Consumer reviews and reports on scam companies, bad products and services
Homesite Insurance Company of the Midwest Homesite Insurance Just want your Money Boston, Massachusetts
24th of Nov, 2011 by User532789
One month after obtaining the insurance I received a cancelation notice for "Underwriting Action: There is a tree touching the house, the front porch lacks a railing. The Garage has a damaged gutter. Oct 31, 2012 12:00 AM (yes, it clearly says 2012). The gutter and tree I can easily take care of. The tree just needs trim and the detached garage just needs replacement. Total of $20 to replacement. My porch is all of two feet from the ground, however would require real work, this is something I would have to get a permit to do. However after talking to the agent at Homesite and Progressive I only have until Dec 29 to get it fixed or the insurance is gone. My biggest problem with that is the insurance clearly says "An insurance company can only cancel a insurance policy for reasons stated in the policy" I double checked my policy and nowhere does is say anything about a railing is required. A large dog yes, railing no. When I spoke to both agents and ask this I was told that it would be imposable to give a list of all the reasons the insurance company would look for that could produce a cancelation. I was told that if I could get the railing added that they would look to reinstate the insurance, but they couldn't guarantee the same rate. Though I was assured that my $800+ that I paid would be returned to me by check with in 10 to 15 days. However after reading the other complaints I am worried it will be a smooth transition. I've owned this house for over a decade and it has been without a railing on the front porch for as long as I've had it. It was also build in the 40's, there is no sign of ever there being one. I can't understand how they can cancel because of that. Plenty of houses on my street have much higher porches than I do with no railing, I'm sure they are insured.

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