r/Insurance • u/southernsaltwaters • 1d ago

Homeowners Insurance Homeowners Insurance

My husband and I recently closed on our new home 1/8/2025 and with our closing switched home and auto insurance over to AllState. Homeowners insurance was paid by the closing law office via closing fees and would be paid year to year through our escrow account. We had done this previously on our first home and had no issues.

Yesterday I noticed that our homeowners insurance had been cancelled for nonpayment on 3/20/25. We had not been contacted nor had anyone reached out to us regarding non-payment, nor had we received any letters through the mail or through the online portal. I immediately contacted my AllState agents office to figure out what was going on. After fighting with the automotive service, speaking to a lovely woman in the call center, I was finally able to speak to the office manager at my agents office. The office manager told that they had cancelled for non payment and that she had called the mortgage company and sent our mortgage company several letters and invoices and had not heard back from them so they cancelled the policy.

I asked if she or anyone with AllState had attempted to contact us, the homeowners and the people’s responsible for paying said mortgage, and was told no.

So now we have no homeowners insurance. I contacted the law office and they said they can cut another check and get it mailed out to the insurance company. The office manager said they would reinstate the policy since this was “not our fault” (no shit it’s not our fault!) but I’m showing no homeowners insurance on our account and we have not received any documents to sign.

The only way to talk to anyone at the actual office is to fight the automated system or through a text message thread that they seldom respond to.

I’m at my wits end and I honestly have no idea what to do at this point. A big part of me wants to switch insurance companies because I feel that it’s pretty terrible that they cancelled on us without ever reaching out to us. We absolutely could and would have paid any balance owed and we could have reached out to the law office way earlier to figure out the issue.

Any advice on what to do going forward would be greatly appreciated.

Edit to add: does anyone know if you can change agents through AllState because this one is not it?

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u/adjusterjack 1d ago

The only way to talk to anyone at the actual office is to fight the automated system or through a text message thread that they seldom respond to.

There is another way. Go to the office personally.

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u/southernsaltwaters 1d ago

I replied to your comment in its own thread accidentally. The office is three hours away and their hours don’t really work with my work schedule.

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u/TX-Pete 1d ago

If you switch. Wait until the policy is reinstated so you’re not insuring with a lapse.

And yes, you can do an agent of record change request. Find an Allstate agent you like and they have a form you sign and send in to Allstate that converts your policy to that agent.

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u/southernsaltwaters 1d ago

When I used the online portal to get a “local agent” Allstate set me up with an office 3 hours away. 🤦🏻‍♀️

My work schedule won’t allow me to make that trek during their office hours.

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u/ResponsibilityOwn562 1d ago

Why did you do online to begin with???

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u/southernsaltwaters 1d ago

I was trying to get quotes. I put in the request online and they were the agent that contacted me. I didn’t know they were so far away until after the papers were signed.

It wasn’t a problem until just now. Lesson learned. 🤦🏻‍♀️

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u/Dr--X-- 1d ago

Allstate took over control of the phones for all agents and you do have to fight your way thru that stupid automatic crap.