Farmers Insurance - Ragan Peluso

Most Recent Comments

• March 2022 by Silver Back Gorilla
  Very expensive
• June 2021 by Doc Scott
  An incredible staff to deal with. Informed and eager to assist when called upon.
• August 2020 by Kara Safford
  Ragan saved our family a good bit when we made the switch from Geico! She and her staff have been very responsive and always courteous when handling my account. Highly recommend!!
• January 2020 by Jane Walker
  Would not recommend this agency. Husband and I were shopping around for home and auto insurance last March, 2019. We dealt with Kristal Wheeler, the agent. We forwarded her all the information on our current policies and asked for quotes on home and auto with similar coverages. Our policies for home and auto carried a $1,000.00 deductible for home and $500.00 deductible for our vehicles. Kristal's proposals came back with a savings of $400.00 on our home owner's and a $350.00 savings on our 3 vehicles per year. We chose to switch over for the savings. HERE'S THE CATCH!! The homeowner's policy was not written for the same coverage ($1,000 deductible) as requested. Instead, I assume to get a better rate, our homeowner's insurance was written with a property deductible for: "Applicable to each covered property loss (1% of Cov. A Limit)" The Dwelling Replacement Cost. Kristal never disclosed this to us and when reviewing quotes from Allstate, Geico, Progressive, State Farm and Farmers was not caught upon review. Farmer's conveniently omits this line from the body/content of the Property Coverage Information. All 4 of the other proposals had the $1,000.00 deductible requested in the Property Coverage Information. Farmer's puts the one line deductible on a separate page, misleading, and also with the Property Discounts and Total Discounts Savings. Interesting and SNEAKY!! Unfortunately we had a claim this past December, 1st one in 27 years. This is when we found out our deductible was 1% of the Dwelling Replacement Cost, or $4,660.00 deductible. When we called the agency and spoke with Kristal to question why our policy was not written with the requested $1,000.00 deductible she responded with "we could offer you a greater savings with this policy". It's not a savings if we have a claim and are responsible for the $4,660.00 deductible. My husband requested our policy be amended to the requested coverage as this was never disclosed. Kristal and Adam said they could not do this and there was nothing we could do because basically "we signed the proposal/documents". When my husband questioned Kristal about her error, her response was "Mr. Walker, as thorough as you were, I thought you would have read through everything and caught this". Not so easy when the deductible line is omitted from Property Coverage Information and placed on a separate page with the discounts. Bottom line, our claim was denied, we received no "customer service" from the agency, our bathroom and house was in disarray for the holidays and we are responsible for full payment of the repairs. We have filed a complaint with the Insurance Commissioner of Georgia for the agents errors and lack of responsibility & customer service. We do not believe this is an isolated incident, as writing a policy with the 1% of the Dwelling Replacement Cost deductible allows the agents to offer lower premiums. CHECK YOUR POLICY, you may have the same coverage and not even be aware of this. FINALLY, BEFORE signing know what your deductibles are and the coverages included. THEY WILL NOT DISCLOSE IT TO YOU!!!!
• January 2020 by Alan W.
  Wanted to take a minute to share my experience with this Farmer's Agent. First and foremost BEWARE of what the actual policy is you are signing for!! I was shopping around last Feb/March 2019 for homeowner's and auto insurance bundle. I contacted Allstate, State Farm, Progressive, Geico, and Farmer's. I read(even faxed to two agents) my current policy and coverages that I wanted/desired to have on my home and auto. The same coverage I had on my home & auto for the 26 prior years. The Home Owners policy had a $1,000.00 deductible and auto had $500.00 deductibles on my two vehicles. I received via email quotes from all the agencies for my desired coverage. Pricing was very competitive,all within $400.00. I chose Farmer's because of the rate and because I liked their commercials on T.V. (they seemed as reputable as all the others). The policy come to find out was not written for my requested coverage. (found this out when we had a valve failure in our master shower and had to submit a claim). Seems the policy was written with a property deductible for: "Applicable to each covered property loss (1% of Cov. A Limit)" The Dwelling Replacement Cost. This was never disclosed to me by Kristal L. Wheeler(the agent) via phone conversations, nor in an email, and was not the coverage I requested a quote for. When our claim was denied, I contacted Kristal questioning why this was not disclosed to me and why she had not written the policy with the $1,000.00 which I had provided her and requested. Her response to me was "as thorough as you were Mr. Walker, I would have thought you would have caught that when reading over the policy." When comparing all 5 proposals side by side, the body and numbers all seem to be consistent. Allstate, State Farm, Progressive and Geico all have the desired $1,000.00 deductible in the content/body odf the proposal. NOT FARMERS!! The 1% of Cov. A Limit is on a separate page from all the rest of "coverage". Misleading and hard to notice. It's even on the page with the Property Discounts to lure you to the "Total Discount Savings" line. The claim was denied and the agency made no effort to resolve my dissatisfaction or amend my policy to the requested/desired coverage. Stating "the bottom line is you signed the proposal Mr. Walker there's nothing we can do as there was no errors on our behalf. #1 Writing a proposal for a non requested deductible and not disclosing it is a good business practice? #2 My daughter's name was misspelled (2) different ways on her auto policy (Melisaa, Melisa) and never corrected (Melissa) til moving to Charleston, SC and cancelling. #3 My name was misspelled Allen vs. Alan on original proposal. #4 Our banking information was entered incorrectly and for 5 months we kept receiving cancellation notices after the payment amount wouldn't process. NO ERRORS ON THEIR BEHALF??? All in all it has been a nightmare and very time consuming on our behalf. Before doing business with this Farmer's agent/signing the proposal, I would review CAREFULLY & THOROUGHLY the contents. Do not expect any customer service to the consumer or "a need to fix" their wrongdoings or mistakes. MOST IMPORTANTLY make sure you're not getting the hidden 1% of Coverage A Limit (PROPERTY DEDUCTIBLE) vs the normal $1,000.00 deductible. Should you have a similar situation or occurrence with Farmer's, please feel free to email me at [email protected]. I have filed a complaint with the insurance commissioner's office and do not feel this is an isolated incident. Finally, CHECK YOUR POLICY, you may not even know you have this coverage, especially when they don't disclose it so they can quote/propose a better, more competitive rate.
• June 2019 by Mallory Dominey
  Ragan is awesome and is always so friendly! She always has an immediate response. I’ve had insurance with her for over a year now and haven’t been disappointed!! ❤️❤️