BEWARE. We lost our home thanks to Home Site.

BEWARE. We lost our home thanks to Home Site.

We are First Time Home Buyers. I'll summarize the scenario as short as possible, super left-field and unexpected. Recently our home insurance quintupled (x5) doubling our mortgage. We cannot get other insurance, it seems our only option is to leave our home.

The Reason: When we purchased our home, we did not have an insurance adjuster or anyone to call. We simply chose our home insurance based on who we currently had auto insurance with (Progressive). This ended up being an insurance provider called "Home Site Insurance".

When we had questions, we called them directly. Fast-Forward to now, I call and ask why my rate quintupled and they say it's because I have 5 claims (five?!!!). I ask to rundown each claim, turns out 3 out of 5 are zero dollar claims where we simply called to ask a question/inquiry. For example, there's an old tree on a public street that could fall on our house. My wife called to ask in the event of a bad storm if this fell would the city cover it or them? They marked this (and two others) as claims that were closed due to lack of interest from customer. They filed it as a Weather Damage claim.

I feel extremely conned, we have never missed a mortgage payment. We've paid our mortgage early every month. All other insurance providers cannot insure us based on the amount of claims we have. I feel Home Site has kicked us out of our home. Registering zero dollar claims is illegal in some states, but not ours. Take it from me, AVOID Home Site at all cost.