Fireman's Fund Review

Overall 3.00 of 5 (by 1 user)

add to my favorites email to a friend view more Insurance Company Reviews

Jolie
Chicago, IL

add Jolie to my friends list

It was our only option, but proved to be a sound choice

appreciative of good service, researcher, owner of 1800s house

Pros

insure old homes, reasonable rates

Cons

required moving auto insurance over

APR

2007

When my husband and I bought our house five years ago, we had a last minute issue come up that would have kept us from closing. We could not get home owners insurance. What??? Are you kidding? We have good credit, are responsible people-why cant be get insurance? Well, our house was built in the 1800s and insurance companies think there is too much risk in insuring a home like ours. It doesn't matter that all the plumbing, wiring and electrical had been updated. It doesn't matter that it in a house from the 1800s and still in amazing shape (and in fact, in better shape than many new construction buildings). It doesn't matter. It's still a risk for them.

After pleading with several insurance companies (that wanted to bring their own assessors over), Firemans Fund finally came to the rescue. Firemans Fund agreed to insure our home but only if we transferred our car insurance policy over to them as well. Are you kidding (and their quote was about a $1000 more per year from our current provide!)? Is that really legal?

While, we thought that was a little shady, we were desperate and signed on the dotted line. We have since stayed with them just because it is easy.

Thank goodness, we havent yet had a need to call Firemans Fund for anything material. However, given that they were the company to be remotely flexible with us on an old house, I have to give them some props for trying.

I rate them a 3 only because I havent had to place a claim, so I dont know how they react in a challenging situation.