Not surprised at anybody having problems with SF. Live out in the country. Been covered by State Farm for over 50 years.
Had a walk by home inspection. Was told that they were going to cancel my homeowners because the house needed painting and I didn't paint it by a specific time?? At the time it was 35 degrees and had been raining for 5 days straight. Paint won't dry under 45".
Have NEVER filed a claim since I've been covered by them.
Told them to go ahead and cancel my homeowners policy and while they were at it, cancel my 3 car's policy as well as my life policy. I also told them that my sister, both of my kids and my folks would ALL be canceling their policies also. And any body else that I knew.
Funny thing? They changed their mind real fast and said everything was good to go. I guess the CC letter that I wrote to the Insurance Commissioner may have also had something to do with their decision?
They were trying to dump the fire Ins policies cause they had their asses handed to them three years in a row from the Nor Cal fires. Couldn't have happened to a better company.
Don't trust them any further than you can throw them!!! Money talks and BS walks!!
The only reason I'am still with SF Ins because SIL who is an Ins. broker says I won't find the discounts at any other Ins. Co. because I've been with SF for so long.
As far as our SF agent? Worthless!! Only time I've seen him is when I told SF to STUFF IT and I jumped his S**T for not saying something BEFORE it went as far as it did. Loves getting the premiums while sitting on his butt and doing nothing. You know DAMN WELL the notice had crossed his desk and he didn't say JACK?? . Like I said, WORTHLESS!!
One more nail in their coffin? Picked up a 38 Chevy street rod. Figured I'd get it insured thru SF like the rest of my cars. Was told it would have to be insured at the same rate as my other vehicles? The 38 gets driven maybe 200 miles a year so it should be rated different?
Showed them the car, took pictures and was told to come back after 6 months to get it re rated? 6 months went by, no pictures to be found and they didn't know anything about it. WTF???
One call to an Ins. Co. that covers rods, pictures sent and I got a bill for $105.00 for 6 months ,full coverage with a loss value of $30K. State Farm sucks, BIG TIME!!
I'll add that SF is more expensive than others but, lost a windshield when out of town. SF said get it fixed and have them call me. Same when I tagged a deer about 1/4 mile from home. SF says get an estimate. Told them that it was going to (our) body shop. I just happened to work for an Auto Repair/Body Shop/AAA Towing business and they have a direct like to SF. Even got my deductible covered. You get what you pay for.