Affordable Car & Home Insurance

Home Insurance

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 practice 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.

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.

We have:

  • 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.

Recent Articles:

Examining 'Emergency' Insurance Regulations

By Dean Calbreath, SAN DIEGO UNION-TRIBUNE
May 4, 2008

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Consumer Advocates Warn Against Auto Insurance Proposals

By Edwin Garcia, SAN JOSE MERCURY NEWS (CA)
May 1, 2008

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New State Rules on Insurance Criticized

By Martin Zimmerman, LOS ANGELES TIMES
May 1, 2008

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Consumer Group Warns of Higher Insurance Rates in Calif.

By Steve Lawrence, ASSOCIATED PRESS
May 1, 2008

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Poizner Capitulates to Insurance Industry, Weakens Prop 103 Insurance Rate Regulations, Author of 103 Says in Letter

CONTACT: Doug Heller, 310-392-0522, ext. 309; or Harvey Rosenfield, ext. 303
April 30, 2008

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Recent Posts in Affordable Car & Home Insurance:

103 exposes costs lower than insurers claim

Our legal team was in San Francisco this week fighting another unjustified insurance rate hike - this time a 6% earthquake insurance rate increase...

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Battling Insurance Commissioners

Insurance Commissioner Poizner has issued supposedly "emergency" regulations that would change new rules protecting consumers.

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Insurance committee gives two to the industry

 
Consumers could use a friend on the Assembly Insurance Committee. I testified against two bills the committee passed this morning that will cause consumers to pay more for their auto insurance and violate voter-approved Proposition 103...

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Guns & Guts Save CA Motorists 62 Billion Bucks

I remember now why I hired armed guards to protect the voter signatures that put insurance reform Proposition 103 on the ballot twenty years ago. ...

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$62 billion saved thanks to Prop 103

I'm going to happy hour tonight, and the whole office is coming with me. It's a rare occurrence that anyone around here leaves the office before 5pm, let alone all of us at the same time. But we've got reason to celebrate...

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Celebrating 20 Years of Prop 103

Prop 103 Credited with $61.7 Billion in Savings

Consumer Watchdog In Action

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