Jacquelyn's complaint:
January 07, 2013

Insurance Company: State Farm Insurance
Coverage Type: Homeowners Insurance

• Underwriting - Premium Too High
• Underwriting - Cancellation
• General - I feel abused by this company

Have had homeowners policy since purchasing my house in 2005. I had moved from this house to another property a few miles away. I received a call from the insurance agent a few months ago--don't remember exactly when, sometime in September or October, I think--telling me that State Farm does not cover homes that are not occupied by the homeowner. I told them that I was
planning to move back into the house in the near future. They said I would need to prove that I was living there by 12/13/12 or my policy would be cancelled. I moved into the house in the first week of November. They wanted an electric bill showing that my electric usage was increased to prove that I occupied the home. I brought this to the office. Then they said that they really needed 2 months bills, so I took them one that showed 2 months of increased electric usage. Then they said that the underwriters would not re-instate my coverage because my homestead exemption was still on the other house. Meanwhile they cancelled by coverage and notified my mortgage company, so that I
now have no homeowner's insurance. Also, they sent me a check dated October 16, 2012, which is identified as a refund on my homeowners policy premium, but at that time they were telling me that my policy would not be cancelled unless I was not living in the house on 12/13/12. I feel like I am being jerked around--happens all the time, and I am sick of it.

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