Review: GuideOne Insurance

"I have been with Guide One for 11 years. I had two claims with them, no problem. After adding my teenager to the policy my rate definitely went up. I began to get quotes from other insurance companies and some were quite lower. I began to research those companies (scary). I had second thoughts about switching. You have heard the saying "You get what you pay for". Cheaper does not alway mean better. I decided to stay with Guide One."

"Take the time to get to know your agent. Don't hesitate in asking a lot of questions. Your agent will show true colors during this process."

"We have church policy with Guideone. After nearly a $100,000 flood damage claim, they have refused payment. Even though we have the correct coverage in place. If I had another policy, I'd tear it up and run to another company. RUN NOW!!!"

"Use bogus credit-based 3rd party evaluation for insurability. Raise rates every 6 months. "

"GUIDE ONE REFUSES TO PAY THE ENGINEERING FEES MANDATED (STATE SAYS WE HAVE TO HAVE AN ENGINEER DRAW & STAMP OUR PLANS)TO BUILD OUR NEW BUILDING. WE NEED MORE S/F IN OUR BUILDING FOR THE SAME # OF SEATS DUE TO REGULATIONS FROM PA DEPT OF L&I. THEY ALSO ATTEMPTED TO GIVE US A NEW ASSESSED VALUE AFTER OUR LOSS WHEN WE ARE ON AN "AGREED VALUE" POLICY. LESS THAN STELLAR PERFORMANCE SO FAR. DIFFICULT TO DEAL WITH."

"Guide One will do whatever it takes to keep from paying a claim. "

"I was rear ended in a car accident. Once the other partys insurance assumed liability Guide One stopped even giving me guidance and didnt return my calls. I needed help which Guide One did not give."

"They gladly accept premiums, but when it comes to paying out on a claim they take their time and find everyway out of paying a fair amount. They are crooks!"

"Our church was hit hit by a tornado and suffered nearly $250,000 in damage. GuideOne was very slow to respond and very quick to challenge the credibility of damage. It was a full three months before our initial settlement was reached with GuideOne. Do not ever use this company!"

"Raised rates on me within a year. Informed me that my credit rating had dropped (it hadn't - rated at 803). All my conversations with the agent always seemed as if they are super picky about things. Makes me question whether claims would be processed quickly and without a lot of hassle."

"I have been with guideone over 20 years. I have always found there service to be excellant. I have had several claims over the years. I have found them very responsive and had a smooth and quick service experience"

"We have watched how they have treated a neighbor with a fire loss and decided to run now, before they have a chance to treat us as poorly."

"Extremely slow in paying the claim, kept handing it off to different adjusters and seemed very disinterested in getting it settled."

"Great experience with guideone. Great agent, great service. Had several claims, all handled well. I have referred the company to many others over the years. All have been happy."

"I have had the same agent for 10 years, and have been very happy. I have a few minor auto claims, but just filed my first homeowners claim. The adjuster was at my house in 2 days, and actually pointed out some things that I had missed. Interesting to note that he works out of the same office as my agent. For those of you with negative reviews, I think it could be your agent, not the company as a whole."

"We are in the middle of a fire claim and we're very dissatifed with the handling of our claim so far. They offer us absolutely no help. All they seem to tell us is the many very expensive items that are not covered; now my agent tells me! We are overwhelmed with all the many things we are trying to do ourselves with no help from our so called "adjuster" and our agent. By state law, we only have so many days to compile a list of destroyed items, get the many requested estimates and proof of ownership, and replacement cost prices of the destroyed items. We are obsolutely exhausted and frustrated and get no help from GuideOne. We are greatly disappointed with our GuideOne agent, who took our premiums for over 17 years without ever coming by our house again to see what we have accummulated. And,unfortunately, we will not receive a dime for many items that I would have gladly paid extra for, had I only known that they weren't covered. This company is having a field day with us, don't let them get to you!"

"They will do whatever it takes not to pay a claim. There ins agents will mislead and not follow through on what he says coverage. Very rude and hard to deal with. "

"I had hail damage to my roof and siding. They acted promptly to replacing my roof. They took a bit longer on my siding, but replaced all sides of my house. My local agent has been great! "

"Totaled by Car and Trailer had check for more than I could sell them for within days of filing claim"

"was hit by uninsured motorist, GuideOne paid claim quickly and then returned my comp deductible to me!"

"I have filed auto claims as well as homeowners claims and have been treated very professionally by all involved. They have been prompt to pay any claim that I have made in the 15 plus years of using them."

"This company relies on third party adjustors and then refuses to listen to the adjustors reports. They are lacking in their customer service skills. I would never recommend this company."

"You had better have a very good attorney if you are with Guideone. You will never know how terrible this company is until you have a fire or flood and then you will find them obstructive to the point of operating in bad faith. If you are a church, find someone else to insure you. These guys are wolves among sheep. Buyer beware!!"

"Everything is great until you have a claim. The price is always better at first. "

"In short, the company made up excuses to avoid payment on my claim. As a contractor, I saw right through these lies. I had to hire an attorney, pay for the repair up front, and file suit in court for reimbursement of damages. They fought me until the end, never settled, and lost anyways. It ended up being very expensive for them in the end. Avoid this company at all costs, they do not practice what they preach. "

"I had a burst waterpipe that did several thousand dollars worth of damage to my home. GuideOne sent out an adjuster, they worked with my contractor and the entire process was smooth and easy."

"Have had the same Agent for years. He is very helpful. Our claims experience with Guideone has been terrific. Their prices are incrdible. "

"GuideOne insurance does not work well with the military, I was activated for deployment and they refused to work with me. To say the least this company difficult to work with and is unpatriotic. I do not recommend anyone waste time on them."

"This is a very bad company, be Careful"

"When I needed my agent he provided no help. The main office part time guy was great, but showed me everything my agent never told us. I have been with this company since 1984 and am making a change."

"Very rude and unprofessional"

"Home was broken into. The adjuster sent out a 3rd party adjuster to take pictures. It has been almost 3 months and still nothing. "

"Agent was very helpful, adjuster walked me through the whole process. Would recommend this company to anyone. "

"I was hit by an uninsured motorist and my ankle was injured. The whole time that I was getting treatment my claims examiner was my best buddy in the world. After I refused the settlement offer(which was a couple of hundred dollars over the total medical cost) she would not return my phone calls. I have called over 5 times with an amount that I consider fair and now I am seeking an Attorney to sue my own(soon to be ex) insurance company. After buying this ins. I got a lot of my friends to switch to them and now I will offer to pay the difference for them to leave guide one"

"DONT! use Guide one people!! we have had home insurance with them for over 11 years and had only one claim in august of 2009, in our time of need and comfort from loosing our home they overwhelmed us in paper work, and mis leading us in everyway you can imagine, our so called adjuster never returned calls never would meet to explain anything so we could understand it,they have done everything you can imagine to not to pay the claim,after months of trying we finally got a lawyer when they found out they stopped paying our rent for the housing we were in and all the rental furniture and left us and our two kids out cold and then went up 800 dollars on our premium they have tried to ruin us and we still havent settled, so please people do not use this company, and for those just like us just pray and keep fighting companys like this that are tearing good familys down and treating them like dogs when they need comfort in their time of need."

"They are not a insurance company. They take money monthly/yearly and in your time of need will pay as little or nothing if possible. They are a scam. I would highly recommend anyone to run!!!!!"

"Upon filing a claim with the company, they don not return calls or answer their phone. The have been extremely unhelpful throughout the process and will not even fully reimburse the amount owed. Terrible customer service and a terrible company!"

"Do not use this company, "

"This company is the worst company and they are only in it for the money and when it comes to you needing them its like you never exsisted to them.. They have people work from home who are not professional and do things when they want to, they take it upon them self to return a call when they want."

"Their workers stated that at 60 per hour it wasnt worth saving anything in my home that was sentimental including the ashes of 2 of my late husbands and daughter. Ive been lied to by the adjuster and supervisors dont respond-except to say that the adjuster would handle it. I cant get to my boat as they piled walls and ashes in front of it-after I told them not to."

"It was very easy to get my claim handled. Love the Christian values"

"Had hail damage and most homes in our subdivision had roofs replaced. GuideOne said there was less that 1k damage which was below our deductable. Then noted that if we didnt repair the damage to the roof that they could deny future claims. Been with the company for about 20 years and this is my first and last claim with this company."

"This company will use any means possible to get out of paying legitimate claims. They are happy to receive your payments but if you need them to pay up they are quite difficult. Wish I had listened to the reviews before we purchased insurance from Guide One."