Unlike most things you buy for your home, you hope you'll never have to use your insurance, even though you're required to spend hundreds or thousands of dollars every year for it. But when you need it, you expect that the company will be there for you, especially after all those years of paying premiums without ever making a claim. Consumer Watchdog keeps an eye on the practices of homeowners insurance companies to make sure they don't overcharge customers and that they pay claims properly and quickly.
Unfortunately, for many people, the first time they think about their home insurance is when disaster strikes. In addition to doing your best to protect against a disaster, some simple steps can help ensure that, if you have to file an insurance claim you won't find yourself having to fight your insurer, while picking up the pieces.
- Review our disaster insurance checklist.
Consumer Watchdog has worked in California and across the country to fight for homeowners and renters who have to buy insurance and, because of wide-scale disaster or a burst pipe, have to file an insurance claim.
- lowered homeowners insurance rates in California by hundreds of millions of dollars;
- fought insurance companies practice of basing premiums on customers' credit history;
- gone to regulators to stop "Use It and Lose It" abuses in which insurers charge homeowners more just because they filed a legitimate claim;
- we've exposed the smoking guns that show insurers trying to jack up prices when a big storm hits; and
- we've sued insurers for low-balling and defrauding customers in the wake of an earthquake.
Have you been cheated by a low-balling home insurer? Let us know.
2/17/2016News ReleaseAfter Consumer Watchdog Shows Allstate Has Been Overcharging California Homeowners Policyholders For Years, Allstate Will Immediately Cut Overall Rates By 12.6%Santa Monica, CA -- Responding to multiple challenges to its excessive homeowners insurance rates brought by Consumer Watchdog... More >
8/2/2016News ReleaseConsumer Watchdog Files Suit To Require State Farm to Reduce Rates By Up To $100 Million To Prevent Homeowners Insurance OverchargesSanta Monica, CA – Consumer Watchdog filed a petition challenging State Farm’s proposed rates for its dwelling... More >
8/9/2016News ReleaseJudge Finds that State Farm Overcharged Consumers $85 Million, Proposes Refunds and $156 Million Rate Reduction; Final Decision From Insurance Commissioner PendingSanta Monica, CA -- In a major victory for 1.7 million State Farm policyholders, an administrative law judge at the California... More >
8/10/2016News ReleaseConsumer Watchdog Posts Judge’s State Farm Proposed Refund Order; Commissioner Must Approve Or RejectSanta Monica, CA – Yesterday, the California Department of Insurance made public a proposed decision by an Administrative... More >
11/8/2016News ReleaseSanta Monica, CA – The landmark insurance reform passed by California voters on Election Day twenty-eight years ago is... More >