I am angry.
I am angry because when we contacted Progressive Insurance three months ago to let them know that we were in the process of buying a farm and would need to alter our insurance, they said that would be fine. I’m angry that when we signed all the papers and money changed hands, Progressive Insurance told us that it was all set up, the property was insured, and payments for the insurance were lumped into the mortgage payment. I’m angry because the form I got in the mail on the 7th of May came with a letter dated the 24th of April saying that unless we signed and dated the form within 10 days, our policy would be cancelled. Ten days from the date on the letter or ten days from receipt? Mostly, though, I’m angry that it was that letter that led us to the knowledge that Progressive Insurance had every intention of cancelling our policy regardless of what we did, but they weren’t interested in giving us much notice and no way to appeal the decision.
They had several reasons why they were going to cancel the policy on the farm. One was that there is a metal building on the property that could “blow away.” It’s difficult to get a straight answer from them, but they seem to be referring to a corrugated metal equipment shed that has been on the property for a while and is very solid. They also hinted at a handrail that was missing. We were confused as the only stairs on the property that are high enough to require a handrail already have a hand rail! We eventually worked out that what they meant was the guardrail around the back deck, the one we informed them we would be replacing as soon as possible. Another reason was the tree branches that are over hanging the roof- the same ones that we informed them the entire tree would be removed shortly. All these reasons for questioning the policy, asking for clarification, I could respect that. But they didn’t ask for clarification, they threatened.
The most appalling reason for cancellation, though, is non-negotiable, ridiculous, and an absolutely mind boggling example of what is completely wrong with Progressive Insurance’s company. One of the out buildings they required to be torn down is a chicken coop. When we questioned why, their response was that if there is a chicken coop on the property, we may be tempted to have chickens. It’s a farm; of course we’re planning to have chickens. Progressive Insurance cannot insure a farm property that has farm animals. If we have a single chicken on the property, our policy is void. One of our reasons for moving out to the country was to have chickens!
I am angry that this is the system. I’m angry that Progressive’s response was, “You should get quotes from other agencies.” We took their advice, and are collecting a few other quotes. The interesting thing is that even the “expensive” companies are coming in very close in price to Progressive’s bargain.
I strongly urge anyone who has Progressive Insurance to start shopping for better insurance now, before they decide to cancel your policy for an illogical reason that they have no obligation to inform you of.