Good thing we are being forced to move away from State Farm here in Florida. They are closing their home insurance group in this state because the laws will not let them raise their rates enormously to offset what they think their losses could be in the event of future major hurricanes. We also bundled our auto and flood with them.
They decided to threaten the State that they would leave and the State called their bluff. The good thing is that it forced us to do some shopping and we are still evaluating our choices. Right now Farm Owners has the top of the totem pole.
State Farm doesn’t take any risks. We looked at them here (Tennessee) and they wouldn’t cover a home that had wood heat. My daughter went with them and they told her she had to either get rid of her trampoline or put a cage around it. She just sent it down to our house since she’s only 500 feet from us.
I’m surprised they stay in business in rural TN due to the wood heat thing. Wood is the way to heat in most rural communities like mine. We’ve been with TN. Farm Bureau for over 20 years now and they didn’t say a word about the wood stove. They checked it to see if it was safe and that was all.
I don’t know if State Farm still refuses to insure homes with wood heat or not but we’ve been happy with Farm Bureau.