Had a similar experience with bundling myself—thought I was being clever by combining home and auto, but when my roof got flagged for being "too old," suddenly my car policy was under scrutiny too. Felt like being punished for trying to save a buck, lol.
Curious though, anyone ever had the opposite happen—where bundling actually helped smooth over an issue rather than complicate it?
"Curious though, anyone ever had the opposite happen—where bundling actually helped smooth over an issue rather than complicate it?"
I've seen cases where bundling actually worked in someone's favor. A friend had a minor auto claim that might've raised eyebrows, but since they'd bundled home and auto for years without issues, the insurer seemed more lenient. Loyalty can sometimes pay off...though clearly not always.
Interesting point about bundling...I had something similar happen. Had a minor issue with water damage at home a couple years back, and since I'd bundled home and auto, the insurer processed it pretty smoothly. Maybe loyalty does count for something after all? Still skeptical though...
"Maybe loyalty does count for something after all? Still skeptical though..."
Totally get where you're coming from on the bundling thing, and glad it worked out smoothly for you. But honestly, I'd caution against relying too heavily on loyalty alone. I've seen plenty of cases where insurers suddenly tighten their belts—especially after a big storm or natural disaster hits an area—and even long-time customers get caught off guard.
A client of mine had bundled home and auto for nearly a decade, never missed a payment, and then had one claim after a hailstorm damaged their roof. The insurer covered it, sure, but at renewal time their premium jumped significantly. Loyalty didn't seem to factor in much there...it was more about risk assessment and numbers.
Not saying bundling isn't beneficial—it often is—but it's always smart to periodically shop around and compare rates. Insurance companies can shift policies pretty quickly depending on market conditions or internal changes. Staying informed and proactive usually pays off more than just counting on past loyalty.
Just my two cents from what I've seen in the industry.
Yeah, totally agree with you there. Loyalty's great and all, but insurance companies aren't exactly known for being sentimental about long-term relationships, lol. Had a buddy who'd been with the same insurer forever, then one minor fender-bender and suddenly his rates jumped way up. He was pretty annoyed—felt like all those years of clean driving meant nothing.
I guess insurers are just businesses at the end of the day, crunching numbers and managing risk. Still, it's kinda frustrating when you think you're building some goodwill and it doesn't pan out.
Makes me wonder, though... has anyone here ever successfully negotiated a better rate after a big increase? Or is shopping around pretty much always the way to go?
