State Farm Home Insurance Reviews

I will start with the facts. They are, about a year ago I had some missed payments. I had had my identity stolen and was having some issues with payments. I sorted it out, and did not have another missed payment until January. There were some extenuating circumstances to that one. I received a replacement credit card in December, days before Christmas. Same card number, different expiry date. With the craziness of Christmas, it simply did not occur to me that I needed to call to update the info. By Boxing day, I was deathly ill with the flu. I am asthmatic, so when I say deathly ill, I mean deathly ill. I did not get out of bed for nearly a month. All of my mail went unopened until the end of the month. Which is when I realized that my January payment had bounced because of not updating the info, I immediately called and made the payment. I also asked the girl I was talking to, to prepay February, right then. She stated that she had and that it went through. I then called the credit card company, I specifically asked if both payments from State Farm were showing as gone through. I received an unequivocal yes, both payments had gone through. We now get to near the end of February. I get a call from State Farm saying that I need to sign a form for the "new" credit card. I sent my son (I am disabled and have mobility issues) with a signed note that authorized the use of the card in the hopes it would be sufficient. State Farm sent back a form, saying that the note was not. I got another call, one that was just to confirm that I had received the form and to inform me that it needed to be returned immediately. I was discussing this with the person on the phone when suddenly I was passed to someone else and told that my insurance was cancelled. This was the first indication to me that anything might be wrong. I did not, in February, receive a phone call or letter, as, apparently, the office did not put through the prepayment for February. (The fact that that the credit card company confirmed that it had is a whole other issue I am taking up with them). Because I have had my identity stolen, the credit card company has instructions to not let any payments go through with out my prior consent, and as they had confirmed that 2 payments had gone through, they did not have the needed consent for a February payment.) The agent, Louise D. was not willing to even listen to the sequence of events as I understood them. At no time was I asked for a payment, which I could have authorized immediately. After 20 years of being a loyal customer, with not a single claim ever made, I was very rudely shut down and told I wouldn't be dealt with anymore. Also, as I understand it, by law I am supposed to receive written notice that my insurance is being cancelled. Although I did receive a letter in January, I made the payment and was told everything was fine, so I have not received anything from February, which is against the law. The insurance office is claiming that the January letter is sufficient, in which case they should not have taken my January payment or that they need to send me something for February. (As advised to me by a lawyer.). My advise is to stay far, far away from State Farm. They are not the good neighbour that is there, they are that bad neighbour who makes your life a nightmare.