Originally Posted By: John_K
Our insurance co, USAA, has decided after 25 years and no claims, to send someone out to inspect our house. Anybody know what kind of inspection this is? Is it just to check the condition of the house, or are they gonna be nitpicking about extension cords and fire hazards and stuff like that?
Standard stuff as far as inspections, its all arbitrary when companies do them. They do not enter the home as far as any inspections we have ever had, in fact we were never home, they just let us know when its taking place.
I will say one thing, if you have been with the same company for 25 years, chances are you have been paying way to much since year 5.
Most every case (
but not all, yet) the more loyal you are to an insurance company, the more you will pay because they know, you will not leave, yet they make it look like you are getting all these loyalty discounts which you are not, well you are but its based on a 'Retail" price that no one pays, much like a Macys sale, they show a retail price and a sale, though they never sold any at the retail price.
)
In most cases, but not all, you should be switching ins companies ever couple years at most for the best price and at the least, check prices every time a renewal comes up.