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Beverly Balowsky
Oct 2, 2025
I had been a customer at this specific insurance company for more than 10 years by purchasing : 1. Car insurance for 2 cars with full coverage; 2. Homeowners Insurance and 3, flood insurance.
First, my car insurance went from roughly $175/month to $325 per month. I asked imy Allstate agent if Allstate would please REDUCE my CAR insurance because I retired in 2023 and am now on a fixed income. Allstate said their $325 per month rate was the BEST it could do even though my driving record is spotless. That “NO!” popped out of my agent’s mouth quicker than a bunny.
LOYALTY means NOTHING to this Allstate company.
I shopped around on the internet for only a FEW minutes and discovered that State Farm was willing to provide full coverage for both of my cars for $135 per month, so I cancelled my automobile insurance with Allstate and immediately enrolled with State Farm.
Then, on September 15, 2025, I paid off my mortgage and decided to cancel my insurance because 1. The monthly premium for my homeowners insurance thru a company called American Modern was charging me a monthly premium that was costing me almost $100 per month HIGHER than my mortgage, and I was emphatically told that IF I had any claim that American Modern would NOT honor my claim. But at that time, I was in a pickle to take that coverage because Allstate said either American Modern or Texas Fair Plan were my only options for homeowners insurance. I worked for a local law firm that represents Texas Fair Plan, which, identical to American Modern, does NOT honor its customers’ claims, and it gets sued all the time because it does not honor or pay its customers’ claims. So why should I maintain and continue to pay an insurance company like that??? So when I asked my agent to please cancel that policy, it was done QUICKLY.
Now, one thing I want to interject here was that I asked my agent FIRST THING if she needed my payoff letter from Bank of America OR MY RECORDED LIEN RELEASE and was told “no.”
In addition to cancelling my homeowners insurance, I decided to cancel my flood insurance, and was told both my homeowner insurance and my flood insurance had been cancelled. Then, about a week and a half later, I received a letter FROM ALLSTATE ON ITS ALLSTATE LETTERHEAD that said that the insurance AGENT and I “did not sign and date the appropriate and REQUIRED closing form.” So I drove over to Atchison Insurance at Highway 3 close to El Dorado and took that letter, along with my payoff letter and my recorded release of lien. My flood insurance was due to provide a refund, but the agent I spoke with tried to baffle me with bull by telling me that I “can’t cancel this flood insurance policy in the middle of the policy period.” This fool thought I would just accept what he said as the gospel, but I knew better. It took almost an HOUR of arguing with him, and FINALLY! He pulled up the closing form, he signed and dated it, then he handed the form to me to sign and dated. Then he told me he “would follow up with FEMA tomorrow (Thursday, October 2, 2025). The problem with that was our government shutdown that began today, October 1, 2025, would mean be too LATE!! Because nobody will be there to process my cancellation.
It was close to 5:00 by this time and the agent really wanted to leave, but I said I wasn’t MOVING until he could confirm my refund due. Now I am not expecting to get this refund anytime soon, if ever, under the circumstances. However, I left this Allstate company after 10 years and then it seemed like it was trying to steal $291. Hopefully that was not the case, BUT it took over an hour to get something done that should have been done in a much smoother and orderly fashion. This agent shamelessly admitted that Atchison Insurance Company “didn’t know how to do this because it didn’t do it very often.”
Be careful with this company.