Recommended Companies

Recommendations for Insurance Companies 

Best Insurers:

Chubb Group                                                                               215-569-9660

Fireman’s Fund                                                                           215-928-4500

Other Insurers to Consider:

Philadelphia Contributionship                      215-627-1752 or 888-346-9229

Amica                                                                                              800-242-6422

Keystone                                                      888-222-0086 or  local AAA agent

Westfield Group                                                            Google for a local broker

Metropolitan                                                                                   800-422-4272

 

Please note: this is not a complete list of all worth-while property insurance companies.  It is a list of the companies we have learned play the most fair.  If you are interested in a company and they are not listed here, contact me and I will share whatever I can learn with you.  However, do avoid the companies that market the most heavily, as these seem to be the ones who are the most awful when you need them, in my experience.

2 Responses to Recommended Companies

  1. Tom Noden says:

    how does Erie rate on claims and premiums?

    • admin says:

      Hello Tom,

      Premiums, while a serious consideration, for your best protection, should not be your only criteria. Some of Erie’s claims adjusters can be challenging when you have a claim, but many of their ‘Ultra [fill-in-the-blank]’ policies cover a lot. Just be sure you get the endorsement to match roofing & siding (it may be included with some policies). It is cheap and will pay great dividends in the event you have a covered loss.

      To keep your premiums as low as can be managed in the event of covered loss, I recommend not to exceed a $1000.00 deductible unless you never intend to use it. Raising your deductible can lower your premiums, but it will also discourage your from using your insurance if you need it.

      Erie also offers a GRC policy – Guaranteed Replacement Cost – and this does cost more. For your personal residence, however, depending on the materials of construction (mainly masonry), they guaranty they will pay whatever it costs to rebuild and this can be a great thing if you have an above average home and a total loss.

      I also recommend a broker for most quotes, as I am sure you know, brokers work with a pool of companies and can often better meet your needs and budget. If you would like, I would be glad to look over any quotes you get. Just email them to me and I will provide feedback, free of charge.

      Please let me know if I can be of any further assistance.

      Thank you,

      Mike Mumma
      215-272-0129
      Public Adjuster
      Advocate for the Insured
      http://www.papublicadjuster.org
      mike@papublicadjuster.org

      By the way, I am never too busy for your referrals. Thank you!

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