Return-Path: Received: from MAXWELL.ECE.CMU.EDU by K.GP.CS.CMU.EDU; 20 May 88 18:03:01 EDT Received: by maxwell.ece.cmu.edu (5.54/5.17) id AA00802; Fri, 20 May 88 18:02:13 EDT Date: Fri, 20 May 88 18:02:13 EDT From: Scott H. Robinson Message-Id: <8805202202.AA00802@maxwell.ece.cmu.edu> To: Bovik@k.gp.cs.cmu.edu Subject: Renter's Insurance Pointers I ended up going with Maryland Casualty through the "Young Insurance Agency - 441-9007". Although there's no way to really know, it seemed that if you had to make a claim, then M. Casualty would be easier to deal with than State Farm. They had cheaper and better packages for lower amounts of coverage too. For higher levels of coverage, they seemed to be slightly more expensive. Be careful with State Farm; for low premiums you DO NOT get replacement coverage on personal property. I suggest that you guestimate the net replacement cost of all of your personal belongings before getting insurance. I was astounded at how much my junk was really worth. Scott (shr@maxwell.ece.cmu.edu) Date: Wed, 11 May 88 11:04:29 EDT From: David.Simon@FAS.RI.CMU.EDU To: robinson@OHM.ECE.CMU.EDU Subject: Renters Insurance I've been dealing with State Farm in Squirrel Hill for the past three years and haven't had any problems. I had one claim of about $1K my first year with them, and it went through relatively quickly. Premiums are fairly reasonable (~$130/year) with replacement and liability coverage. David Date: Wed, 11 May 1988 09:33-EDT From: Jeff.Deutch@SAM.CS.CMU.EDU To: Scott.Robinson@ohm.ece.cmu.edu Subject: Re: Seeking Renter's Insurance Ptrs I have State Farm renters with replacement cost. I have used it twice, and was pleased with the response. This past year's cost was $130, and they've paid out over $2000 to me. With the replacement cost insurance, I called retailers for the items I lost. S.F. gave me a pro-rated amount in cash, and up to the declared amount when I sent in the sales slip showing that I had replaced the item. This is with a $250 deductable. Jeff Date: Wed, 11 May 1988 09:07-EDT From: Blake.Ward@K.GP.CS.CMU.EDU To: Scott.Robinson@ohm.ece.cmu.edu Subject: Re: Seeking Renter's Insurance Ptrs Scott, I can strongly recommend AMICA for renter's insurance. Their rates are competetive, and they give a 20-25% dividend at the end of each year. They are also very good about paying quickly and without complaint when you have a claim. Blake. Received: from CIVE.RI.CMU.EDU by CIVE.RI.CMU.EDU; 10 May 88 19:38:39 EDT To: shr@ohm.ece Subject: Maryland Casualty Date: Tue, 10 May 88 19:38:36 EDT From: Irving.Oppenheim@CIVE.RI.CMU.EDU I have had coverage by them, and I had a (burglary) claim during that time. They were quite fair in handling it. Also, I have subsequently worked with the company that does (some of) their claims and adjusting, and I can further report their fair handling. Date: Tue, 10 May 88 19:50:31 EDT From: Andrew Wolfe To: shr@ohm.ece.cmu.edu Subject: insurance I use Md. Casualty - no problems, but no claims so far. Andy Date: 10 May 1988 20:57-EDT From: Hank.Walker@taurus.ece.cmu.edu To: Scott.Robinson@ohm.ece.cmu.edu Subject: Re: Seeking Renter's Insurance Ptrs We have State Farm. I don't remember how much it costs. We might have gotten a good deal since we have car, etc. insurance with our agent. Date: Wed, 11 May 1988 17:16-EDT From: David.Maynard@K.GP.CS.CMU.EDU To: Scott.Robinson@ohm.ece.cmu.edu Subject: Re: Seeking Renter's Insurance Ptrs Scott, I ended up going with State Farm. They had pretty good rates, and would cover my computer equipment. Allstate wouldn't even give me a policy since I live in a house with more than 2 apartments (there are 3). In general I have grown to hate Allstate because of the arbitrary policies. They aren't supposed to be too bad if they think you are a low risk (ie. don't need insurance). -David Date: Wednesday, 11 May 1988 15:23:44 EDT From: Michael.Young@f.gp.cs.cmu.edu To: Scott.Robinson@ohm.ece.cmu.edu Subject: Re: renter's insurance Our household has a policy with State Farm. The closest (and in my limited experience, best) agent is Craig Evans in Squirrel Hill. Don't be put off by his marginally competent secretary -- Craig's a good guy. I also know several people who have auto insurance through Craig. If you're new to Pennsylvania, you might ask Craig for a quote on that too. The rate from State Farm was very good. They were also one of the few companies that would handle more than one person on the policy. [Last year they changed our policy to be two policies, with two people on each, for some reason.] Our one claim (a small burglary) was handled reasonably quickly and without hassle. My previous renter's insurance was written with USF&G, but I forget the broker that handled it. That was when I was living alone -- I don't think they would write for more than one occupant at the time. I didn't need to make a claim. A former housemate (Jeff Koechling) had insurance through the Erie Insurance Company, and he seemed generally pleased with them. They also had a claim, and were hassled a little more than we were, but their claim was more complicated. Good luck, Michael Date: Fri, 13 May 1988 08:11-EDT From: Angela.Hickman@ML.RI.CMU.EDU To: Scott.Robinson@ohm.ece.cmu.edu Subject: Re: Seeking Renter's Insurance Ptrs We got very good coverage from State Farm agent Craig Evans in Squirrel Hill. -- Angla Date: Mon, 16 May 88 17:33:13 EDT From: Edward Czeck To: shr@ohm.ece.cmu.edu Subject: Renter's Insurance Scott, I have a policy thru Maryland Casuality. The policy is thru an independant broker (deals with many companies and is able to find the best deal.) and if you want, I could look up his name and number. Good Luck Ed.