Find ANY Other Insurance Agency
About the worst experience EVER with an insurance company - do not waste your time or money. And any real estate agent that recommends them is just trying to get you a cheap quote (which will not be a realistic quote) to close the sale and get their commission.
Let's start with the quote while we were in the process of buying a house - initial quote sounded reasonable (about $2800 for homeowners insurance). ACTUAL cost once we bought the house - 90% more, almost double! When I asked why, the agent simply said the price always goes up when we do the final paperwork.
A month later, we got a cancellation notice. Our agent didn't call us, and he wouldn't TAKE our call - he texted and said to call their phone bank customer service (pretty sure they are a group of ladies in India). WHY are they cancelling our insurance? It turns out they want us to modify the decks - which are fully conforming to all state laws and local building code - so they just made up a reason to cancel the insurance. The agent still wouldn't take our calls.
The customer service bank is horrible - they don't know anything - they just read the letter I already have. No advice, no knowledge, and I was on the phone for about 45 minutes trying to get hold of someone on my scheduled call appointment. The system would randomly cut me off while I was trying to get to a human being. Over and over.
Then, we asked for a quote from a different carrier - and the agent made up some higher number - I called that SAME carrier and got a quote at 1/2 what he quoted. So we told him we would find another carrier, and he said they would require the same modifications. Not true - the new carrier is HALF the price and the agent returns our calls.
Now, the little details - Goosehead and Agent Chris couldn't even get our names right. Like many couples, we have different last names - and every piece of correspondence seemed to have a different combination of my name and my spouse's name. If he can't even get our NAMES right, what is going to happen with our policy? Oh, never mind, we already know - that turned out to be a total CF.
I could go on and on, but let's just sum it up here - find anyone else to insure your home. California Fair Plan is more fair than Goosehead insurance. The mafia would be more fair and kinder to work with. This is possibly the biggest scam that exists in homeowner's insurance. Run, run, RUN away. There ARE better options out there.








