Industry: Financial Services
Headquarters: Idaho, USA
Address: P.O. Box 236 Gooding, ID 83330, United States
Website: gemstateinsurance.com
+1-208-934-5729
Nothing is better than working with an Idaho company and keeping your $$$ local. The entire team at Gem State the insurance is always pleasant to work with, their rates are extremely competitive, and their service is second to none!
By all means stay away from this company. Made a home claim with them involving a flood. Hired a restoration company to take care of it. They stopped showing up hired second company and they did the same. Was left with what the two first two restoration companies felt it would take to get home a 100%. Had to pay out of pocket sub contractors to finish my 70% flooded house while I lived in it. When all was said and done Gem State’s adjuster was off $17000 to bring home to the way it was. Was only cut a check for what adjuster came up with. So by all means if you want to go through the closest thing to hell go with this company for your insurance needs. I’m still to this day paying for this nightmare. Not to mention they said they wouldn’t drop our coverage. Yet and I quote “one claim with us is no grounds for us to drop coverage”. A cheese grader to the face would have felt better than the day my bank called and asked where my home owners insurance went. Yeah Gem State had a amazing price up front of $875 a year. But the high risk insurance afterwards of $4726 a year was outrageous. Three years at that rate before I could get a lower rate. $28,553 is what one broken pipe while being out of town cost me with this company. Having spoke with many other insurance companies they couldn’t believe the turn out of my family’s experience. Did I mention our family was forced to live in the only bedroom not affected by the flood for 6 month. Family of 4 in one bedroom. If at this point you have not seen the picture by all means schedule an appointment with them.
We called to file a small claim. We have been a customer for almost 10 years. The person on the phone in the Coeur D Alene office (Anna), was rude and condescending. She said they would raise our rates, and then went on to say “this is how insurance works”, blah blah blah. We will be seeking a better insurance company. Anna was not phased whatsoever when I told her we will be changing insurance companies. Stay away from this company. It is trash and its employees are no better.
