We have had Allstate insure everything, 2 homes and 3 cars, for over 9 years. Never in our life had we made a claim for anything.
Our premiums for everything averaged about $488.00 per month. This was our largest bill behind our mortgage and one car payment. When we bought our second house, we immediately called our rep, Bill, and advised him of the new situation and that we wanted landlord's insurance on the old house since we were renting it out. "No problem," he said.
Our premium went up like they said, so we had no thought that it was never done. We had terrible renters for 2 years, and after they were evicted, we called to make a claim. When the adjuster came out, he said our house was in terrible shape and that we could not file a claim since it was not landlord's insurance. It was never done.
Keep in mind that Allstate had insured this house for 9 years. Based on our math, that totals about $8,100.00 over the course of the period, just for that property. They didn't think the house was in terrible shape then! We were treated terribly, and although we never received a formal denial, calls were not returned.
Shortly thereafter, we got the letter that the house was being dropped. Their commercials kill me. It scares me to think that if my house had burned down, what they would have said. Would they say it was a mess?
We have since moved our properties to another company and plan to do so with our cars. Allstate should be shut down for taking people's money and not covering them for what they pay for.
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