01/04/2016, January, 2016

I switched to farmers for better coverage on our 5 cars and 2 houses. That was a joke. My agent Katrina Scheeter gave me a quote. I accepted. When the policy came it had less auto coverage. She did not lock in the policy so the amount I requested would cost me more than she had quoted. My son in law was listed as a my 16 year old son and as a driver on my policy. He was 26 and had his own Farmer's policy. When I tried to call Ms Scheeter she was only interested in asking me if I had heard from her husband, who was also with Farmer's, and had come with her to sell me my policies. It seems that he had taken their children and left. She wanted me to call him to see if I could find out what state he was in. She was not very interested in answering my policy questions. I requested a new agent. I only got a new agent when I was told she no longer worked for the company. I requested an agent that was closer to home. I filled out the paperwork twice. I finally got all but one policy transferred. After 4 requests I gave up. I had a claim after 3 or 4 years for vandalism on my rental. Farmers promptly declined to renew my policy. The amount they paid was around $5000 and I had paid them over $12000 in premiums. I had to argue that the garage was covered. The adjuster said he had to follow the policy to Michigan to find that it was covered. It was clearly written on my policy that it was covered but he could not find it on the policy he had. It was a mess. So now I will have to pay someone else higher premiums because they chose to not renew my rental home policy. (Other companies now ask if you have had a policy nonrenewed and it will cost you if you have had one that is not renewed.) It makes me feel like they want only clients who pay and pay and never have a claim. It does not work like that in the real world. Damage happens. If damage never happened I would not need insurance.