State Farm Insurance

[mjzman]

I have my homeowners insurance with State Farm. The policy is up for renewal this month, so I decided to ask my agent if State Farm offered coverage on it for concealed carry legal liability. I've had my permit about five years but had never gotten around to getting insurance. My agent was not sure, so called the company support at State Farm headquarters.

My agent was told- No State Farm does not offer CCW liability insurance. But not only that. My regular homowners liability is void if I use a firearm in self defense, say in a home invasion, BECAUSE I have a concealed carry permit. Their rationale: people with CCW have an intent to use their gun. So State Farm will not provide coverage. If I did not have a carry permit they would provide that small amount of protection in the standard homeowners policy.

The agent and I were both dumbstruck. Never heard such a stupid thing. Of course we are in Colorado and State Farm is headquartered in Illinois, so there is that. Next renewal cycle I will be changing all my insurance from State Farm. Too bad because I like the local agent.

Has anyone else ever encountered anything like that with their insurance?

 

[SMSgt]

SF was a pain in my butt many years ago and I haven't dealt with it since.

Almost no "homeowners" insurance will cover a "deliberate or intentional act," which will not fall under "negligence." While many agents will say it does, now you know the truth, at least as SF is concerned.

If you homeowners policy or rider doesn't clearly state it covers intentional acts of violence, or words to that effect, don't expect it to pay off. Agents will tell you anything to sell a policy.

 

[Rustyt1953]

I've been happy with SF for 35 years, but as SMSgt implied, good luck finding an insurer that doesn't operate out of a tree house to cover intentional acts.

 

[mqqn]

Help me understand what they should cover in the even you have to use your firearm to defend your life or the life of someone you have a duty to protect? Damage to the home?

I would say it would be better to go with firearm specific coverage, since you will be looking for legal assistance.

There are several great options out there, and I would never have even thought of asking SF - not their thing.

best

mqqn

 

[OKFC05]

Next renewal cycle I will be changing all my insurance from State Farm.

To whom? None of the homeowners insurance companies I am familiar with cover legal defense for deliberate actions. You might have some coverage if you are sued for a negligent accident.

I have insurance through the NRA endorsed insurance for use of a firearm, including classes and otherwise.
http://www.nraendorsedinsurance.com/

 

[jinx]

My wife worked for SF for 20 years until they closed the office and laid her off.
I learned that ALL insurance companies are thieves that are given a license from the government to steal.

 

[Mark40]

Check out USCCA for insurance.

 

[05CarbonDRZ]

My wife worked for SF for 20 years until they closed the office and laid her off.
I learned that ALL insurance companies are thieves that are given a license from the government to steal.

This,Don't expect ANY Insurance Company to pay off a claim.They will find any reason not to pay under the Sun,Whether ethical or not.Their #1 goal is to collect as many premium Dollars as possible and pay out as little as possible.So the CEO can suck a 250 Million Dollar a Year Salary out of the place.They also Lobby heavily in all States to get Laws changed so they can screw the policy holders with the small print.Can You tell I have been screwed by Insurnace Company's before?

 

[Arik]

I don't understand the problem? You want them to pay for physical damages? Are you planning on using grenades?

 

[Arik]

This,Don't expect ANY Insurance Company to pay off a claim.They will find any reason not to pay under the Sun,Whether ethical or not.Their #1 goal is to collect as many premium Dollars as possible and pay out as little as possible.So the CEO can suck a 250 Million Dollar a Year Salary out of the place.They also Lobby heavily in all States to get Laws changed so they can screw the policy holders with the small print.Can You tell I have been screwed by Insurnace Company's before?

Used them many times. Never been screwed. Both home and auto. Claims adjuster comes out assesses the damage, send a check and job is done.

If they found ANY reason not to pay they would just not pay, that's a reason. Sorry you've been screwed somehow but your explanation doesn't work. Otherwise no one would ever be paid.

 

[05CarbonDRZ]

You don't live in WI my Friend....The Insurance Company's Lobby HEAVILY here.Therfore they pass Laws that lets them do whatever they want,It's all about the Money.

 

[ladder13]

Used them many times. Never been screwed. Both home and auto. Claims adjuster comes out assesses the damage, send a check and job is done.

If they found ANY reason not to pay they would just not pay, that's a reason. Sorry you've been screwed somehow but your explanation doesn't work. Otherwise no one would ever be paid.

Likewise. I had a few cars stolen back in the day, they paid right away. Had lightning strike outside my house, voltage jumped on my well wiring and ran int my electrical panel, then to various areas in the house. It caused $3500 in damage, some 10 years ago. I didn't even have to submit bills for numerous items that I discovered a few weeks after.
"Just let us know what you spent to replace those items" they advised, "check is enroute".
My wife recently hit a coyote, or rather the coyote ran into the front of her car. Car was repaired at a cost that far exceeded their estimate, and a rental car was provided for an extended period.
Been with SF for decades, and have no interest in leaving. They pay all claims lickety split, and no games.

 

[TX-Dennis]

I've been happy with State Farm for nearly 40 years now. Premiums are reasonable (in Texas anyway), and the very few claims I've had over the years were settled quickly and amiably.

I, too, doubt that any homeowners insurance from any company would cover you for a self defense shooting. I assume you are concerned about the scumbag and/or his surviving family suing you. The liability portion of any homeowners policy covers accidents and negligence. As has already been said, they expressly do not include intentional actions. If I have to shoot a scumbag criminal in my home I will certainly do so intentionally.

 

[jack the toad]

Have had SF for years (multi-veh and homeowners). The only claim filed was when my daughter backed into a parked car.
No complaints other than annual premium increases for everything from wildfires to are-wide flooding and tornado storm damage. All of which occurred elsewhere in the state.

 

[Arik]

SF is the 2nd ins Co I've ever head. The first one was Allstate. Got it when I was 20. Had two cars (94 Camaro 6cyl with 160k and 87 Bronco II). Neither one was worth much so I head basic ins. I was paying $1400 and Allstate said that's the cheapest anywhere. I told my dad and he looked around and found a local SF agent who cut my payment in half. I went from paying $1400 for two cars to just over $600. Been with the company and that agent ever since.

 

[Watchdog]

I learned that ALL insurance companies are thieves that are given a license from the government to steal.

Well, just go ahead and cancel all your insurance policies, then. That will solve the problem about dealing with all those crooks, right? Think of all the money you'll save.

Uh-oh, wait a minute. You are required to have homeowners insurance if you have a mortgage or a HELOC. And you have to have auto insurance, period.

What to do, what to do?

 

[Watchdog]

Next renewal cycle I will be changing all my insurance from State Farm. Too bad because I like the local agent.

Why wait until the next renewal? You can change any time you wish. If you've already paid your premium to State Farm, they will pro-rate it for the period you've been covered, and refund the difference to you at no charge. Simple as that.

 

[Engine49guy]

... You are required to have homeowners insurance if you have a mortgage or a HELOC. And you have to have auto insurance, period.

In the state of Florida if you can prove you have $40 K net worth over your debt you can fill out a form and be "Self Insured" on your auto,

Motorcycles do not require insurance under Florida law,

Many Florida home owners have paid their mortgages off and become self insured especially after not putting in insurance claims after Hurricane Wilma and seeing their home owners policies triple in cost...

 

[bhayles]

I have my homeowners insurance with State Farm. The policy is up for renewal this month, so I decided to ask my agent if State Farm offered coverage on it for concealed carry legal liability. I've had my permit about five years but had never gotten around to getting insurance. My agent was not sure, so called the company support at State Farm headquarters.

My agent was told- No State Farm does not offer CCW liability insurance. But not only that. My regular homowners liability is void if I use a firearm in self defense, say in a home invasion, BECAUSE I have a concealed carry permit. Their rationale: people with CCW have an intent to use their gun. So State Farm will not provide coverage. If I did not have a carry permit they would provide that small amount of protection in the standard homeowners policy.

The agent and I were both dumbstruck. Never heard such a stupid thing. Of course we are in Colorado and State Farm is headquartered in Illinois, so there is that. Next renewal cycle I will be changing all my insurance from State Farm. Too bad because I like the local agent.

Has anyone else ever encountered anything like that with their insurance?

USAA...United Services Automobile Association...DOES cover your liability if you have to use your weapon in a legal self defense situation. Additionally, if you get an umbrella for additional liability coverage their umbrella policy covers self-defense as well.

NO homeowners policy is going to pay your legal bills in a criminal prosecution, good shoot or not. That is why, in addition to my homeowners and umbrella policies I am a member of the ACLDF...Armed Citizen Legal Defense Fund. They provide money for your defense AND have a wide range of expert witnesses in everything from the psychology of a shoot to ballistics to forensics to every other field necessary to mount a great defense. Mas Ayoob is one of their board members and witnesses available.

If you qualify for insurance thru USAA you cannot do any better.

 

[mjzman]

I pretty much figured that State Farm would not have any kind of rider on homeowners to cover legal defense in use of a firearm, but thought I would ask while I was there. The thing that has ticked me off the more I think about it though is their position that there is something evil about having a concealed carry permit. As stated, their position is that simply having a permit means that the holder WANTS to shoot someone. The personal liability on my homeowners is only $1000 so I'm not sure what if anything it would be good for. But it bugs me that nevertheless it is specifically voided for having a CCW in the event of use of a gun. Without the CCW it would still be valid if I had to use a gun (though again specifically what for I'm not real sure- maybe one of these crazies that will sue you for injuring them when they commit the offense.)