With such limited options available in California for home insurance, I often encounter consumers who feel discouraged and unimpressed with insurance company reviews. Established insurance companies are no longer writing new business, leaving lesser-known carriers to fill the gap.
While these smaller insurers may lack extensive marketing or established reputations, they are stepping in to meet the state’s critical needs. Unfortunately, many of these carriers were unprepared for the huge influx of business caused by industry leaders abandoning their clients. Without sufficient time to staff and train for the sudden demand, they faced legitimate criticism, leading to the negative reviews seen online.
Well-known companies continue to advertise, but they are off-loading their loyal customers and outsourcing their customer service, further frustrating consumers. Despite these challenges, the carriers currently operating in California have the financial backing to handle claims.
I always recommend that consumers focus on the AM Best financial assessment rather than relying solely on service reviews online. Having an agent who will advocate for you and guide you through these challenging times is essential.