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Fiendish Thingy

(24,239 posts)

13. We've never had a problem

Reply to mahatmakanejeeves (Original post)

Sun May 31, 2026, 09:52 AM

Sunday

In the US we had State Farm, only made a couple of claims in 25 years, both paid without hassle (one involved a woman whose car rammed through our fence and hit the corner of our house- fence destroyed, house only minor external damage- they went after her insurance company)

In Canada, we use BCAA (AAA equivalent) which is underwritten by Manulife. One claim in the seven years we’ve been here, paid without hassle. When we paid off our mortgage, our insurance agent was worried we would cancel our insurance…seems crazy to me to not carry homeowner’s insurance.

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Highlight:

The Home-Insurance Coin Flip: Nearly Half of Claims Result in Zero Payout [View all] mahatmakanejeeves Sunday OP

It is all junk insurance for homeowners now... OhioBack2Blue Sunday #1

If a customer has a question, that sets off an alarm with those mother-f6ckers wolfie001 Sunday #3

You can't even have them check to see if your roof is okay after a hail storm. moreland01 Sunday #40

Expect more crappy outcomes with the KKKrappy occupant in the WH nt wolfie001 Sunday #2

Umm... that reticence runs throughout the entirety of the insurance racket. OldBaldy1701E Sunday #4

Yup lonely bird Sunday #9

Not just necessary for mortgage holders but required. mdbl Sunday #29

THE BIG FIVE: These are the biggest offenders. New Jersey's Department of Insurance listed companies with 3Hotdogs Sunday #5

We had State Farm lonely bird Sunday #8

That's not what Jake from State Farm says. mdbl Sunday #30

I bet they don't even cover chip board glue now bucolic_frolic Sunday #6

Another insurance rip-offs are the health insurance clubs that are not insurance. They are not rated by state agencies 3Hotdogs Sunday #7

Medishare? lonely bird Sunday #10

Sirius XM. Christian Healthcare Ministries. 3Hotdogs Sunday #16

Insurance is a scam. it started coming clear to me because of a movie mwmisses4289 Sunday #11

May I suggest? lonely bird Sunday #25

Wow, never heard of that one. Will look for it. Love Meryl. mdbl Sunday #32

We know this has been the trend line for health "insurance" for a long time Bluetus Sunday #12

We've never had a problem Fiendish Thingy Sunday #13

What year was your last State Farm claim? mdbl Sunday #33

Oh jeez...I'm not sure Fiendish Thingy Sunday #36

I have a strange feeling it would go much differently today mdbl 6 hrs ago #48

Peace of mind for the bank only... JT45242 Sunday #14

So you'd think homeowners would have an ally in the bank that owns the home Bengus81 Sunday #18

Link to non-paywall article flvegan Sunday #15

"I don't understand why people post shit nobody without a subscription (to the WSJ, no less) can read." mahatmakanejeeves Sunday #19

There's a better way to deal with that than just denying claims mdbl Sunday #34

State Farm is not like a good neighbor, they suck Historic NY Sunday #17

Everything is a scam now. Oneironaut Sunday #20

How well I know... KSL-Washington Sunday #21

We just dumped USAA (after 70 years with several generations of my family) moreland01 Sunday #41

Too often, when someone files a homeowners claim their policy is not renewed by the insurer dlk Sunday #22

Kick dalton99a Sunday #23

I had a water claim a few years back. All the basements on my block flooded because a storm drain behind our Raftergirl Sunday #24

I have also had a recent experience with Nationwide (luckily) and they have been remarkable FakeNoose Sunday #28

Great to hear this and good luck with the rebuilding! Can't imagine going through something like that with Raftergirl Sunday #35

About how many years back was that? pnwmom Sunday #43

'22 or '23. But I have this specific coverage in my policy. As another poster wrote, it only costs an extra couple Raftergirl Sunday #45

Our broken pipe and the damage was covered. On top of that, pnwmom Yesterday #46

Catastrophic Losses Backstopped By Government 2na fisherman Sunday #26

Like a good little drone, I've been paying house insurance premiums since 1978, BobTheSubgenius Sunday #27

The companies pay some people a lot of money Quanto Magnus Sunday #31

People are not customers any more. hunter Sunday #37

It pays to spend a little time with an agent to understand what your insurance is covering sarisataka Sunday #38

That graph is close to tracking the past three Presidential elections Uncle Joe Sunday #39

The bastids join in on the fleecing of the majority of Americans GreenWave Sunday #42

Well to be honest i thought it was higher. Figarosmom Sunday #44

Oversaturation. Xolodno Yesterday #47