Allstate Homeowners Insurance

Why should you, who has had numerous losses, pay the same homeowner premium amount as me, who has never had a claim/loss? That doesn't seem fair. I can understand 1 claim but to have one year after year is ridiculous.

Some very close friends had a similar situation happen to them. I was livid at what I thought was such shoddy treatment of these wonderful people who had faithfully paid their insurance premiums for decades and then had 4 losses in 4 years; and was non-renewed. However, my insurance agent (who is not Allstate agent but an independent agent) sat me down and we talked about this situation. It isn't reasonable that someone with a bunch of losses should pay the same amount of insurance premium as I do (someone without any losses). The catastrophic claims are what we buy insurance for. Not the ones that we can cover ourselves like I suspect the last claim was. That's when you need an agent who tells you that although he cannot stop you from filing a claim the end result may be a non-renewal. And, your agent should have gone over the claim with you to determine if you really, really, really, needed to file that last claim even with the end result being a non-renewal.

Because of this little lesson in insurance from my agent so many years ago; I refuse to file a claim over any situation until I call and talk to my agent. Hence, I have excellent premiums on my autos, homes, and recreational vehicles. Additionally, it really bothers me that people think insurance should pay for and put them in a better financial situation than they were before when in reality insurance is meant to "indemnify" a situation - put back like before.

I'm sure this rebuttal will not change your mind about how you've been "ripped off" but hopefully someone else will read this and make their own insurance agent work for the commissions they are paid. Oh, everyone is a "Risk". The definition of risk is "chance of loss" and we all fit into that category. Good luck to you!