Sterling Insurance Group - Cobleskill (NY)

1 /5 Gabrielle: An agent signed us up with this horrible company we never liked them but dealt with it. Over the weekend we received a letter from sterling stating they will not be renewing our policy because 1) we have too many dogs and the guy taking the pictures of our house was terrified of my black and tan coonhound, my hound was in a fenced in area of our yard. The guy also deemed my dog aggressive because my dog was barking at him. My dog was barking at a stranger on our property my hound was doing his job. Next the roof had some moss on it because the sun never hits that side of the house and the guy was here before spring cleanup. The moss is gone and lastly possible woodstove yes there was a woodstove but we removed it years ago however the chimney for it is still here however its capped inside the house. We had sterling for over a decade and zero claims but they still dropped us. Good riddance to a garbage insurance company. Look no Woodstove just a capped off chimney I love the generic response. NO, I will not to be touch just so I can be annoyed all over again that ship has sailed. We already had another company come out to get pictures and even better the kind lady isnt afraid of dogs. She walked right up to the fence and pet all of my dogs they licked her hands. Here is a final edit: I did call back to see if this could be resolved and spoke with Elaine apparently if you admit you dont like the agent Sterling puts you with they drop you for that reason. Its kind of like being in middle school only worse because were adults. Im thrilled that we are now insured with one one of the top 10 homeowners insurance companies in the United States. I found this company on my own no agent needed

1 /5 Elizabeth harris: Received my renewal policy and noticed there were $165 worth of unnecessary endorsements. Asked them to cancel endorsements and paid 1 year premium in full. Received a letter saying I owed $14 so I went to pay it and inquired what it was for. They couldnt give me an answer. They gave me copy of renewal without endorsements and raised the policy almost as much as the endorsements were. I will be filing a complaint with the state.

1 /5 Kevin Donohue: I opened a policy with this company about a month ago when I purchased my first house. I have an older home and I was getting renovations done and it was extremely difficult to find any insurance company that would cover the house. Thankfully they were there when I needed them with an extremely competitive quote. In fact, it was the most competitive quote Id seen by Miles, so of course I was super excited. Cut to us mid-renovations and our furnace decided that it was time to go. Now I reached out to the claims department and said that the furnace unfortunately went and Im not sure what exactlys going on with it. I had an equipment breakdown package with my policy and they stated that as long as it wasnt normal wear and tear that it should be covered. Now. Unfortunately the furnace was a pretty old unit, but again I didnt know if that was the root cause of the issues that we were having. Of course, this being the coldest week in upstate New York, I had to put a furnace in. Regardless. I reached out to a local loan agency and was able to get the funds to get a replacement furnace in there. While I waited for the inspector to show up. After about 2 weeks he finally showed up to take a look at the old furnace, then I had to wait another week for his information to get to the insurance agency. After calling them a few times to get some sort of a response on what was going on, they informed me that they would not be covering the furnace as it was due to "wear and tear. ". Now this was slightly frustrating because we just had the house inspected not mere months before and we were told that the furnace was in working order, but again things happen so we just kind of took it on the chin and said it is what it is. Come to find out. I get an email today that we are being dropped by this company because we filed a claim within the first 60 days of opening the policy. We were not told that filing a claim within the first 60 days would automatically drop us. We were not told that this is some industry standard. In fact, the woman that we spoke to in the claims department encouraged us to have this looked at because this is something that should not have happened. The fact that this is an acceptable practice of business to completely rip out somebodys security of the biggest asset that they own purely because of some weird back-handed industry standard that within a 60-day span of opening a policy, you are "not allowed" to open a claim hes absolutely ridiculous. But who here is actually surprised that theres an insurance company that doesnt necessarily take into account that things just happen and life is the way it is. Not all of us are trying to win one over on the insurance company and make a buck whenever we can. Sometimes we just bought our first house and were scared and we dont know what to do and are only looking for people to help us. Instead, we get slapped in the face. Overall, if youre looking for a cheap insurance company for your home, Sterlings not a bad option. Just make sure you never file a claim and you should be good. Because whats insurance for anyways?

1 /5 Josh Mulhern: A scam of an insurance company. They wanted to take on the policy on my house only to cancel for a "missing handrail". There are five other houses in the neighborhood with the same house layout and front steps. None of which have a handrail but somehow they are all insured through their insurance companies. Im thinking they realized they gave out a policy for too little money and try to take it back. No way Im installing $1,000 handrail for a $600 insurance policy

1 /5 David Cunningham: Was a happy customer who paid almost $ 20,000 in premiums for our bakery in Buffalo,NY. But because of a few claims filed ( not $20,000 worth) when we had 3 MAJOR snowstorms they decided to drop us. Now no one wanted to insure us and am now paying almost double . It is hard enough to run a small business with the cost of supplies and utilities. Thanks Sterling. K.Cunningham