I got the sterile form letter several weeks ago: My homeowners insurance was being canceled.
It was an out-of-state notice from State Farm headquarters, and the "sincere apologies" added insult to injury. My family has been insured by State Farm since time began, it seems. Dad always used State Farm, and I've made my payments dutifully since I turned 16. All our car insurance, all our home insurance, all of our policies have been State Farm -- we didn't shop for bargains, we went with Old Reliable.
Well, whatever hurricane never arrived in Manatee County but posed a threat apparently changed that. As of Jan. 11, 2009, my home, like so many others, won't be covered by State Farm.
So I grumped my way over yesterday to my still-reliable State Farm agent -- I selfishly think Wayne Scroggins is the best in Tampa Bay. Imagine my surprise when I learned that the Scroggins had lost their home insurance -- and he's been working for State Farm for four decades.
We've signed up with Citizens Insurance, and actually will save a sizable amount. So the glass is half full, right?