mabowden
Well-Known Member
- Thread starter
- #1
The sentiment towards Nationwide (Rivian Insurance) on these forums has been fairly positive, so I decided to give it a go given all the good press and OEM replacement parts. To make any insurance company work, I have to bundle my house and umbrella policy with the same insurer. The market for homeowner's insurance in California is getting pretty terrible, so there are really only a few insurers left where you can get auto-home-umbrella in the same place and it is generally the bigger names.
And almost from day one I've regretted it, and let me tell you why. NOTE: Rivian Insurance agency was lovely and very good to work with. This is more a review on Nationwide. Also, almost all the problems came from the homeowner's policy and not the auto policy.
The signup process with Rivian Insurance was fairly straightforward and easy. They have a dedicated call number with people who are honestly super friendly and helpful. I never had a long wait when I called.
That's honestly where the niceties ended in my book.
PSA: Nationwide sucked for my situation with their homeowner's insurance. Wish I wouldn't have switched.
And almost from day one I've regretted it, and let me tell you why. NOTE: Rivian Insurance agency was lovely and very good to work with. This is more a review on Nationwide. Also, almost all the problems came from the homeowner's policy and not the auto policy.
The signup process with Rivian Insurance was fairly straightforward and easy. They have a dedicated call number with people who are honestly super friendly and helpful. I never had a long wait when I called.
That's honestly where the niceties ended in my book.
- About a month after my coverage began, I received a letter from Nationwide saying my homeowner's insurance went up because I hadn't signed a certification of occupancy. Note that Nationwide never sent me this or ever asked for it. The first letter I get from them says, "Your occupancy discount has been canceled". This was fixed in ten minutes with a docusign, but they had already contacted my mortgage provider to have the difference in insurance cost paid out of escrow.
- About 2 weeks after that I get the same thing but for my centralized monitoring alarm discount. Again, they never asked for the certificate. I get the letter saying again the discount was canceled and again they contacted my mortgage provider for the difference even though I had emailed it to them within an hour of receiving the letter.
- About six weeks into the coverage they sent out a home inspector for a safety inspection of the house
- About six weeks after the inspection I get a letter saying my homeowner's policy was canceled (again no one called before this). In order to reinstate the policy I would have to:
- Fix my 70 year old brick pathway to the house. I have a few bricks that are cracked that they want to be fixed. I live in a historic district in Socal and one of the best parts of the house is the masonry. If you saw the bricks you would think this is total overkill.
- Repour my driveway. I have a crack in my driveway and one side of the crack is about 1/4" higher than the rest. They wanted me to repour my driveway. If you saw my driveway you would think this is total overkill.
- They claimed I had trees touching my house. I have one tree in my front yard that I always have about a 6 foot clearance between the lowest branches and the roof of the house. I'm pretty retentive about this because the ideas of rats getting in my attic scares me. This was a flat out lie.
PSA: Nationwide sucked for my situation with their homeowner's insurance. Wish I wouldn't have switched.
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