My prior homeowners insurance was through my progressive car insurance. They raised my rates almost $389 dollars this year so I started shopping around. Went to a state farm agent near my work and got a very reasonable quote. Was actually cheaper than my old carrier before the rate raise.
When he asked if I have a wood or pellet stove I said fireplace insert. He said those don't matter only free standing stoves or pellets. Something like they consider them a fireplace or someting. My old insurance company wanted my invoice for the professional insert install and it was listed on my policy as wood burning appliance or something.
New policy has no wood burning appliance listed. Did the agent maybe lie just to sell the policy? I asked him like 3 or 4 times you are sure you dont need to list it. I said I can provide the documentation that it was installed by a licensed professional.
He also said that someone was going to come out and take pictures of the front and back of my house. I have like 3 cords of wood stacked a few feet off the back of the house and under my deck. Do you think this is going to be an issue? Old company never came out to look at anything in the 3 years I had them.
When he asked if I have a wood or pellet stove I said fireplace insert. He said those don't matter only free standing stoves or pellets. Something like they consider them a fireplace or someting. My old insurance company wanted my invoice for the professional insert install and it was listed on my policy as wood burning appliance or something.
New policy has no wood burning appliance listed. Did the agent maybe lie just to sell the policy? I asked him like 3 or 4 times you are sure you dont need to list it. I said I can provide the documentation that it was installed by a licensed professional.
He also said that someone was going to come out and take pictures of the front and back of my house. I have like 3 cords of wood stacked a few feet off the back of the house and under my deck. Do you think this is going to be an issue? Old company never came out to look at anything in the 3 years I had them.