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I have had State Farm Home Owners and Auto Insurance for 60 YEARS. I had a $2,000 claim in 2015 for damage caused by an ice dam in the gutter, and a $4,000 claim 1/18 for a pipe that broke in a wall.

I just received a notice that in 30 days State Farm is not renewing my policy due to my claim history!! Really?!?!? NEVER late on a payment or submitted a frivolous claim. And No problem cashing my checks or insuring the rest of family.

Obviously, customer loyalty is unimportant to State Farm. State Farm dropped my Home Owners Insurance after 60 years State Farm dropped my Home Owners Insurance after 60 years

Product or Service Mentioned: State Farm Insurance Homeowners Insurance.

Reason of review: Poor customer service.

Preferred solution: Renewing my insurance!!!!.

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Anyone is at risk of getting non-renewed after filing two non-catastrophe claims in a three year span. It is difficult for many people, especially seniors to know when to file a claim or not.

Also, many contractor's don't care and will encourage people to file claims because they can usually make more money when an insurance payment is part of the equation.I am not saying I wouldn't be mad too, and want to switch companies, but the best course of action could be to contact your agent and see if you can take steps to minimize your future risk to the company such as raising the deductible and making additional repairs to the company. Then, after three years, you might be in a better position to find another company to insure your property.


Have you paid more then the 6k in claims? It’s basic profit/loss math.

If you paid say $100’a month for a year you would have paid in $1200. In 3’years that would mean you have paid $3600. Meaning youre now costing the company $2400. Brand loyalty over a period of decades means nothing.

It’s not about how loyal you are but how much money they make. You can act all incensed about that fact but you can’t blame them. YOU would do the same thing. Did you not work for a living?

Did you not earn money in your profession to support your life and family? They have to support their family as well. Every person that works at the insurance company has to do the exact same thing as you would. So maybe step back and realize that the insurance company has to do what is best for it’s success.

Sometimes that means cutting customers who have cost you.

It’s not personal it’s business. It’s easy to play the victim.


I'm an insurance agent. The only way to know if this is common or not would be to know the loss ratio.

That is the amount of money you have paid during your history with State Farm vs. the amount they have paid out in losses. That is almost exclusively what an insurance company looks at when deciding to keep a policy. The premiums will go up for everyone if they can't keep the costs low.

It's just the nature of the business.

I do have to say that the amount of your claims given above - if those are the ONLY claims you have filed - do seem awfully low if you've been with State Farm that many years. In your case I would say this should not have happened.


Not uncommon they would raise your rates after a couple of claims within a few short years, but the new tactic with insurance companies is to just cancel you out instead. Apparently, you are too much of a risk.

Of course, the problem may come when you attempt to get insurance from another company. If they do agree to insure you they will charge you more because you have been dropped by another company and are a big risk. Thus, you cannot win. I would sit down with a local insurance agent who can pull some quotes for you from different insurance companies and see which ones work for you.

It is always best to have a local agent rather than the new thing of insuring your home or car with a talking machine somewhere across the country.

Good luck. Who would know you are really not supposed to actually file a claim with an insurance company, just make the payments year in and year out?

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