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Cathy of San Diego CA (07/11/08)
last year I purchased insurance with homesite insurance and had my monthly premium deducted directly from my bank account. I ended up switching to farmers insurance and canceling with homesite. recently I noticed a $37.00 charge on my bank statements when I called to find out what this was about they told me it was a past due amount and that it would be canceled after that.
well now its been months later and they are still charging my account and when I try calling I am left on hold for hours and get transferred from one person to the next. this is completly outrages I honestly believe that this comapany does not exist and its fraud what they are doing!
as a result I have been charged overdraft fees by my bank because I do not count on this getting taken out every month from it. so I ended up closing my bank account that I've had for years!
Colleen of Pittsburgh PA (07/07/08)
I tried to contact Homesite (my homeowner's hazard insurance company) and was left on hold for hours. No one replies, no one calls back. I was threated by GMAC that I would be charaged $2,000 because Homesite would not provide proof of insurance. When in fact I was insured.
I am starting to believe that there is no Homesite insurance. That it is a fraud and only takes my money. But I am unable to call or contact anyone at the company -- they never answer their phones. They have no customer service department either. they have put people on hold and play background music and occasional voice announcements that someone will be with you . . and calls are taken in order!
C. of Newark NJ (03/17/08)
I was referred to Homesite Homeowner Insurance by my auto insurance carrier (Progressive). I gave the rep all the details of the property and received a quote of $476 over the phone, which I thought was great because it's half of what I now pay. As promised, an email confirming the conversation was sent; however, the quote had risen to $619. When I attempted to reply to their hyperlink for an explanation, I got error messages. I searched the web and found a website for Homeowners and asked them why the difference in the quotes. After two weeks, I have not received an answer.
I was going to cancel my current policy, but wanted to firm it up with Homestead first. Glad I held off doing so.
Karan of Lorton VA (02/12/08)
On Sunday Feb. 10th, 2008, due to high velocity winds, the siding of my house and some singles from the roof were blown away. My house is less than 3 years old, and I am the original owner of the house. The insurance document clearly states that we have a deductible of $1000, and wind and hail damage of 2%. I called the company on Sunday and was told that an adjuster will contact me on Monday. I was contacted and was told that this does not apply. I was told that I am covered for anything over $9000; hence, I am responsible for the first $9000. My question is that, what does the 2% on the insurance document mean? This is called ripping someone off cleanly. You tell them something and do something else.
I was given an estimate of $5000 roughly. This covers the roof and the siding.
James of North Charleston SC (11/05/07)
Homesite Insurance doubled my premium from $1,388.00 for 2007 to $2,768.00 for 2008 for no reason what-so-ever. I've made no claim, I've paid loyally for 3 years to them, even installed an alarm system and still, they've doubled my insurance! Is this what companies in America are all about anymore--ripping off the customer once they get them in the door? Raising the rates 10-15% per year is high, but understandable considering the natural disasters in the past 10 years, but doubling for no reason other than taking advantage of some small state rate hikes is unholy to put it best.
I'm going to immediately look for a new insurance company tomorrow morning! This is unbelievable. I'm also going to contact my state representatives and report them to the insurance regulatory commission in Columbia, SC.
Anna of Doniphan MO (06/24/07)
Your company enlisted contracts that were not acceptable according to your underwriters which means those contracts were null and void. Due to that a customer is entitled to full refund on all policy written on said contracts. And customer is requesting this.
Since our home was not in acceptable condition I formally request a full refund for my policy and all prior policy written on this residence. And since your company refuses to reinstate the current policy it was apparent it did not qualify for insurance from your company according to the underwriters. Even though we had made repairs and corrected those issues that underwriting stated. So the prior policy beginning in 04/16/2004 was 30153293, copy of policy enclosed. Also additional policy was reinstated the following year as the same policy number and was continued until March 23,2007. So that would be a total of 3 years on policy # 30152393. Then our new policy that was started this year on March 23, 2007 being policy # 30513468. I will forward this request to the investigating agency from the State of Mass. After all that is where your company has its main office from and that is in their jurisdiction. After all no claims were ever paid, all corrections were made and repairs done and completed. It is apparent that your company enlisted contracts that were not acceptable according to your underwriters, which means those contracts were null and void and the customer is entitled to a full refund on all contracts regarding the residence. Thank you for your prompt assistance in this matter.
Had to pay for own roof repairs, had to enlist another home insurance policy worth only 40,000 instead of the recommended 150,000 which was the ammount insured from that company. Had to pay higher premium due to them saying losses were reported but they never paid on any claims.
Anna of Doniphan MO (06/22/07)
Said company submitted a cancellation on our policy due to the underwriters for the following reasons; debrea around premises, no stairs or hand rails on property, and the roof and chimney was classified as worn and deterring.
We contacted the company and requested reconsideration due to the fact we have been a customer since April 2004. Latter we had several roofers inspect the home's roof and chimney. All the roofers verified that the roof had hail damage from recent and past storms. We contacted the company and filed a loss report. Note this property has had this same company since April 2004 to the present. With one of the prior policy being 30153293. There were no claims from us on this property, but it was brought to our attention that the prior owners had filed a claim and they refused our claim due to the prior owners claim. In the photos we sent to the company, before we replace the roof you could clearly see that the roof had prior repairs. Refering to the different colored shingles in said photos.. Note we also did all the corrections of the underwriters issues and they refused to reinstate our policy on our residence. Note I enclosed the photos to verify those corrections were made in the time prior to the cancellation date of 6/23/2007. I am requesting this company to be investigated for unfair business practice, consumer fraud and breach of contract. Also their refusal to pay on our claim #1056608 was unfair and unjustified when roofers verified hail damage past and present. It was also clearly visible that repairs were done by the prior owners and I have verified I was a prior customer since April 2004 and various storms have occurred in that time era. I would also request this to be turned over to other investigating agencies on Home Insurance Issues to avoid this occurring to other potential customers. This company unfair practices should result in the loss of their license and refund to the customers they attempt to scam. Thank you for your assistance in this matter and hopefully this issue may be resolved.
Charles of West Jordan UT writes (1/18/03):
I had had two burglaries at my home, so my previous homeowner's insurance company dropped my policy. I installed an alarm system, and then searched for a new insurance company online. I found Homesite. They allowed me to enter all my info and get a quote online. Considering the two burglaries, it was higher than what I had been paying, but nevertheless I thought it was reasonable. The quote was $399/year.
I received all the papers via mail, filled them out again with the same information (including the dates and claim amounts for the two burglaries.) The policy went into effect in May of 2002. I paid the entire premium up-front; I thought I was done paying for the year. In June, I got a bill for another $393 with no explanation. I called and questioned the bill. I was told that their auditing department had "turned up" a burglary claim -- exactly what I had already told them twice and exactly what they had supposedly based the original quote on.
I felt cheated; this seemed like either extremely slipshod initial underwriting, or an underhanded way to get more money -- get clients in the door, then double the premiums. I told the representative that I was probably going to cancel my policy and look elsewhere for a more reasonable rate. I then asked her how long the $399 would keep my policy in effect. She said November 30, 2002. She further assured me that if they received payment by December 1, there would be no interruption of coverage. I called again later, and was again assurred that my $399 covered me through November 30, 2002.
Based on that, I obtained insurance elsewhere (at a much more reasonable $450/year). The new policy went into effect on November 30, 2002. Today (January 18, 2003) I received another bill from Homesite. This bill was for $55, consisting of a $15 cancelation fee and an additional $40 premium, supposedly to finish paying my coverage that ended on November 30. I had never been told of the $15 cancellation charge, and the $40 seems arbitrary and unexpected, considering my previous discussions with the representatives. Again, I feel Homesite is just fishing for money.
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