pres589
SuperDork
10/30/13 7:41 a.m.
I'm getting desprate trying to find renter's insurance that will cover theft and I decided it would be wise to ask here. Backstory: August 2012 my home gets broken into during the day, TV and related items stolen, I make a claim. I then move to a different home in the city. August of 2013 my home is broken into again. This time it was more extensive, TV left along with everything computer related, etc etc. The first time was probably someone involved with the various contractors the rental property manager was having check out the home for a number of serious repairs that were needed. This last time was probably related to the meth dealer I was living across the street from. Both good neighborhoods.
State Farm informs me that they're dropping me because I get burgled too often. Okay, well, what other options exist? It's looking like nothing. I'm waiting on a phone call to see if State Farm can get the state to underwrite a police that offers theft coverage. I've talked to other agents and they don't have anything to offer me either, even when underwritten by Safeco and other related "second tier" insurers.
Right now I have most of my belonging is a pretty secure & modern storage facility and I'm living in a friend's basement bedroom. I'm not too worried about this happening again in the short term. But I'd also like to not live in a friend's basement forever. State Farm's position is that I am able to get their insurance (at who knows what rate) in two years, since that will be three years since the first claim.
Who should I be talking to or what company should I be calling about this to try and get some renter's insurance that will cover theft and my horrible history?
How do the new insurance companies find out about your history? It's been a long time since I've had renter's insurance, but I don't remember any questions about theft or them pulling my police reports. That's likely to have changed, I guess.
pres589
SuperDork
10/30/13 8:34 a.m.
In reply to dculberson:
They ask, I answer truthfully. I believe they can find out and I don't want to get on the wrong side of insurance fraud. It might work out okay but I'm sure that if there was another claim reported they would go through my history and find this with the police.
how many places have you hit up for a quote?
yamaha
PowerDork
10/30/13 11:23 a.m.
Why are you breaking your tv so much that you have to "Steal" it??? 
I'm sorry, I've got nothing for you other than I've never used mine.
I don't know for a fact, but it seems once you are denied insurance, all the other companies know about it.
A former coworker had a fire in his attic caused by a faulty exhaust fan that happened while he was at work. Not a great deal of damage and the house was repaired. Everthing was fine until he sold that house and downsized to a patio home. Then State Farm refused to insure the new house. Nobody else would insure hi either. He's getting ready to close and can't provide an insurance policy. Finally a sympathetic agent gave him a name of somebody that finally wrote him a policy.
pres589
SuperDork
10/30/13 12:00 p.m.
In reply to madmallard:
I called a friend that works for Shelter and she said that she contacted about a half dozen other agents, trying to find a company that would underwrite the policy, and no one would pick me up. Same thing with State Farm. The hope of both was that, as a last resort, the State of Kansas insurance boards (not sure if that's the right term, but it's something like that) that exist to provide insurance to anyone that doesn't have a better option would pick this up. And I'm being denied by them, too.
I'll try some Google searches for tier-two companies and see if I can't find something.
pres, you may have to get REALLY bad insurance in order to then transition away from them into a 2nd tier provider.
There may be a state-run fund in Kansas for renters. I'm pretty sure there is one for homeowners, but unsure about renters.
call this number for the Kansas insurance commissioner office and ask them.
785 296 7829
That blows. Sorry for your troubles.
My insurance company dropped my old house when I was renovating it since it was vacant. Then I had to get "vacant house insurance" from AMIG at a whopping 3x the previous rate. Turns out later that if I had told them I was using it for storage and was there at least once a week - which was true - that I could have kept the policy and paid over $1200 less in insurance for the year and a half I was paying AMIG. That sucked.
