I'm looking for homeowners insurance. Recommendations please.
Ashlee H. replied:
Steven Harvey of Williams Insurance in Rehoboth (302) 227-2501
Adam P. replied:
Eric Blondin. Super chap!
Kathie B. replied:
Yea, Eric or Jeanine...State Farm is the best and if you want a little background I can give it to you.
Scott W. replied:
I'll do it for you, Eric Blondin. We have our home and auto with State Farm-Eric Blondin in Rehoboth. Great service!
Greer M. replied:
Call Jeanine O'Donnell at State Farm - she's the BEST and will never steer you wrong!
Denise V. replied:
Eric Blondin. Complicated home policy and they are always helpful.
Gail D. replied:
We've had Eric at State Farm, and then George Bunting. However doing some research for our commercial policies, we were not looking for the cheapest, but the better served and have moved to Williams Agency Travers Downes302-584-5629 (mobile) 302-227-2501 ext 258 (office)
Andy H. replied:
State Farm. George Bunting
Bob G. replied:
Eric Blondin, State Farm!
Howard W. replied:
Joseph Polichetti, Wilgus in Lewes.
Carla M. replied:
William Insurance Agency, Sue Hudson, 302.227.2501. Have had Auto, Home/Flood, Commercial for years.
John L. replied:
Jeanine O'Donnell at state farms is who we use.
Marsha G. replied:
Clay Monroe in Lewes, DE He can do it all!!! Have been with him for over 14 years!!!
Alison H. replied:
Jeanine O'Donnell with State Farm!!!
Kathy D. replied:
State Farm with Eric Blondin or Jeanine ODonnell
Jeff E. replied:
Been in the commercial end of insurance for 39 years. State Farm has the most comprehensive homeowners policy at the best rates. I have shopped them all. Mine is with George Bunting. Whatever company you choose, check the wind/named storm sub limits and deductibles!
Steven S. replied:
I've used State Farm since I was 16, now 47. Always have been easy to work with. George Bunting is the agent/office I have worked with since moving to DE.
Linn H. replied:
Lititz Insurance out of PA cut our premium in half over what SF had charged. I had a lightning strike, and they were very responsive, punctual, and more than fair with the treatment of the claim. I live in MD, so it's possible they don't insure in DE...but I think they do.
Before you engage ANY business, either from here or anywhere else (including referrals) PLEASE request a copy of their current Delaware Business License and a...
Jeff E. replied:
DE law is that if the sub is uninsured, the General picks up the coverage, since the General Contractor is the point of hire. If the GC is also uninsured, you could pick up the tab but a court would have to make that decision. Licensing is more a protection from an ability/tax/payment situation. An unlicensed (business) contractor could mean that he is not paying taxes; "working under the table" so to speak. Also, since they have no way to track him, you could wind up with a mechanic's lien on your home for work performed by a sub that was not paid by the GC-even though you paid the GC in full. (Bankruptcy aside) A professional license ensures (sometimes lol) that they have the training to perform the job correctly.
Cindi S. replied:
Also a GREAT idea to make sure they have a Professional Business License as well. Electricians, HVAC and Plumbers are all REQUIRED by LAW to have attended a State Approved 4 year School and Apprenticeship and Journeyman, then take the State Board of Professional Regulations test to acquire a Professional Business License. As I stated before if you use UNLICENSED (Professional License, not Business License) on any of your electric, hvac or plumbing and something goes wrong, your insurance company may not cover it !
Cindi S. replied:
I understand Jeff, but I was trying to educate that there is a difference between a Delaware Business License (which anyone who pays $75 can get) and a State of Delaware Professional Business License.
Libby S. replied:
Those of us who are licensed professionals have to have both a prof. license and a business license which incidentally is as hard to get as writing a check. The Prof. Lic. is a different story. Cindi is correct. If you are getting electrical, plumbing, etc work done check the professional license as well.The mechanic should carry a ppocket card.
Cindi S. replied:
Yup ! Here is a link to the State Professional License Division where you can also do a quick search. Also I'd like to point out, beware of any contractor or handyman who brags about how cheap he is or how he charges half of what a REAL Electrician, HVAC or Plumber charges. He undercuts for a reason. You will get what you pay for. Here is the link: https://dpronline.delaware.gov/mylicense%20 weblookup/Search.aspx
Cathy A. replied:
What about General Contractors? They use sub-contractors. Are we covered Jeff if these people aren't properly licensed and insured?
Lyn M. replied:
Oh - and GOOGLE their business name and the owner's names. Also BNI (business network international) does a fabulous job of vetting out reputable businesses in your area. Go to their website http://bni.com/ and look up a chapter that is in your area. If they are in a BNI they are stamped and approved. OK - off of my soap box!
Does anybody know a local or non local insurance company that insures older mobile homes? I called my girl Katie at Williams and she gave me a couple names but nothing...