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Won't Insure Unoccupied House - State Farm Review

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State Farm

1.5 Overall Rating by

won't Insure Unoccupied House

I have had homeowners policy since purchasing my house. I had moved from this house to another property a few miles away. I received a call from the insurance agent a few months ago telling me that State Farm does not cover homes that are not occupied by the homeowner. I told them that I was planning to move back into the house in the near future. They said I would need to prove that I was living there by 12/13/12 or my policy would be cancelled. I moved into the house in the first week of November. They wanted an electric bill showing that my electric usage was increased to prove that I occupied the home. I brought this to the office. Then they said that they really needed 2 months bills, so I took them one that showed 2 months of increased electric usage. Then they said that the underwriters would not re-instate my coverage because my homestead exemption was still on the other house. Meanwhile they cancelled by coverage and notified my mortgage company, so that I now have no homeowner's insurance.

1.0 Coverage
3.0 Cost
1.0 Service
1.0 Claims

State Farm Ratings

  • 2.8 coverage
  • 2.6 cost
  • 2.1 service
  • 1.9 claims
  • 2.4 overall rating

Based on 186 reviews - 1 is lowest, 5 is highest

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