State Farm Insurance

Overall Rating
 1 of 5

Value Rating
 1 of 5

Used product for
More than 1 year

Price Paid:  $0.00 from George Humphry-State

Summary:
Sump pump, septic drains and/or any plumbing attached to these are NOT covered unless you have specifically requested that type of insurance. Don't expect your agent to ask you if you need sump pump/drain insurance. You have to ask for it.

Then, only major appliances are covered, NO other content (i.e. tv, furniture, toys, videos, games, books, decorations, scrapbooking supplies, luggage, etc.). There is also no coverage for these available to purchase from State Farm according to my agent.

After 17 years and 2 homes with the same agent, our basement flooded w/7" of water due to a crack in the coupling. Because we didn't have the sump/drain coverage the came was denied.

After finding out that State Farm would not have covered any of our basement content either way, I know why the agent never brought our attention to this major hole in our policy. They don't provide addequate insurance to begin with.

If you have a finished basement or it contains anything other than major appliances (i.e. washer, dryer, freezer, furnace, water heater) do NOT use this company. You will not be able to recover any of your losses due to sump pump failer or drain backups.

Strengths:
The ability to sell the ideal of insurance without actually providing the coverage when needed.

Weaknesses:
State Farm does not provide adequate insurance coverage to those homeowners with basements.

Overall Rating
 3 of 5

Value Rating
 4 of 5

Used product for
More than 1 year

Visitors rate this review
5.00 of 5, 1.00 votes

Price Paid:  $9000.00 from Private

Year / Model Reviewed:
1998 Pontiac Grand Prix SE

Summary:
I have had auto insurance with State Farm for seven years, since I was 16. I went with State Farm then because my parents both used it.

I've only had one claim with State Farm, in 2005 after a woman sideswiped me on a 60mph highway in the city. She fled the scene and, as we later found out, was DUI. I was left with $2000 damage to my car. State Farm was wonderful.

They paid the body shop directly, minus my $500 deductible. They covered my week and a half rental car to the tune of 80%, just as specified in my policy. They actually paid the rental company directly too... I didn't have to pay up front and be reimbursed. Also, my rate didn't go up at all.

My only gripe about state farm is the customer service. It's nearly impossible to actually talk to my agent... instead the secretary handles my questions and payments. She even filled out and approved my renters ins app two years ago. I haven't actually ever talked to the agent who took over the office 2 1/2 years ago.

When that same secretary found out I had a roommate, she demanded his drivers license and proof of insurance and said I had to list him as a driver on my policy. Even though he never drives my car. She called repeatedly, multiple times a week, trying to get this information.

Since paying off my vehicle earlier this year, I've been needing to cancel comprehensive on my policy... but I honestly can't stomach the idea of dealing with that woman. It has me searching for a new company.

So, personally, State Farm has been great overall. I'm simply unhappy with my agent's office.

Strengths:
Affordable Rates, Good Discounts (good student, multiple policies), Easy claims

Weaknesses:
Local agent availability, hounding people with multiple phone calls.

Price Paid:  $0.00

Summary:
This review is different in that I was hit by a driver insured by state farm. They have a habit of trying any stunt they can to blame the victim or the innocent driver involved. It does not matter on the kind of evidence including photos and police reports. It's a tactic they use to see if the opposing party gives in. That way State farm saves huge amounts of money in claims each year. Search fot it and read about it.

Strengths:
Ignoring you and dragging things out as long as they can. Oh they are good at playing stupid also.

Weaknesses:
They'll normally give up if you have a clean case and start talking about going to small claims court.

Overall Rating
 1 of 5

Value Rating
 1 of 5

Used product for
3 Months to 1 year

Price Paid:  $2000.00

Year / Model Reviewed:
2004 Saturn Ion

Summary:
State Farm is the absolute worst auto insurance company on the market, if you are interested at all RETHINK!!! I switched from AllState just to save, and believe me, you get what you pay for. Customer service, or lack of in this case....

Strengths:
NONE

Overall Rating
 1 of 5

Value Rating
 4 of 5

Used product for
More than 1 year

Visitors rate this review
5.00 of 5, 2.00 votes

Price Paid:  $0.00

Year / Model Reviewed:
2001 Honda/Insigt

Summary:
I've used the same agent for 19 yrs. and have always been very happy with the service. Filed a claim and the claims department has caused me to start looking for a new insurance company.

Strengths:
Local agent support

Weaknesses:
Claims department