The simple answer is NO. State Farm is the worst home insurance company and you should avoid them at all costs. Due to how aggressive State Farm is in denying valid insurance claims and bribing governmental officials, you are better off saving your policy premiums or gambling them in a Las Vegas casino.

Is Allstate better than State Farm?

Yes, Allstate is better insurance than State Farm because they are not as agressive in denying perfectly valid claims. Allstate will deny legitimate insurance claims but eventually they will settle the case instead of fighting you for decades.

State Farm Held Accountable

In Mississippi's first Katrina slab case, a jury awarded the couple $2.5 million in punitive damage. Judge L.T. Senter gave them $223,292. That's the amount of Brady Drive home State Farm policy limits. For the first time in a while, State Farm had to pay out an insurance claim instead of spending the premiums on slick television advertisements.

The Broussards sued State Farm after the home insurance company refused to pay a perfectly valid claims. The critical factor was whether it was the plaintiff's responsibility or the defendant to prove whether wind or water caused the house's damage and eventual destruction. Since State Farm refuses to pay legitimate property damage claims, they refused to do the right thing. Judge L.T. Senter, Jr. said the burden was on State Farm.

Considering the ongoing bad behavior of stealing consumer's hard-earned premiums, State Farm attorneys left the court not surprised that Judge Senter issued a direct verdict for State Farm that morning to pay Norman and Genevieve Broussard $223,292. If anything, they were in shock how small the amount was for.

The judge said all complainants had to prove they lost their home in Katrina. He said that if State Farm denied the claim based on the policy's water exclusion, the company must prove how much damage the wind did before the surge damage began. Broussard's policy covered wind damage, while water damage was not.

Since State Farm experts could not determine the exact wind damage before the storm surge arrived, the insurance company had to pay the entire amount. State Farm would rather spend these monies on massive amounts of lobbyist to make insurance laws more favorable to them.

John Banahan, State Farm Attorney's attorney, articulated that was disappointed since they spend a fortune of policyholder premiums on hiring biased experts. State Farm's loves collecting insurance premiums and using them to deny paying legitimate insurance claims.

The judge let the jury determine if any punitive damages should go to Broussards. The judge told them that they had to find clear, convincing evidence that the company denied the claim because of gross negligence or malice. The jury was convinced of $2.5 million.

Some asked State Farm representatives what this could mean for 200 other pending lawsuits and a mass lawsuit. State Farm didn't appear worried and acted certain that they would once again get out of paying the legitimate property insurance claims.

State Farm says the judge made a direct verdict on the insurance claim and it is likely to spend large sums of money appealing the issue to further delay payment of the legitimate insurance claim.

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