My experience with All State and Cliff Hart has been nothing short of miserable. I had an agent that promised me over and over a rate of $140/month for auto insurance and kept re-writing my policies. He told me not to worry about the bills that were coming in the mail and that I would see my new policy. Cliff Hart's office told me that the agent had since left and that I was responsible for the policy balance. I paid it and switched to another insurance provider. It's amazing that I found policies that cost me $60-$70 less WITHOUT a multi-policy discount.
Early in 2014, I had a refund from an old policy deposited into my ex-girlfriend's checking account rather than my own. This old policy we shared at the time and All State had our checking account information. I contacted my agent with a new checking account number. However, it never did get put on file and a refund due to me was deposited into the old account. I contacted AllState and they said it was my problem to get the refund from my ex-girlfriend....which obviously didn't happen.
My homeowner's policy was drawn up wrong from the beginning. My house has a 3 year old roof, and the policy shows a 20 year old roof. Cliff Hart's office told me that they would contact Hanson roofing for the documentation and even send an inspector to verify. This, of course, did not happen.
I emailed Cliff about the whole experience with his agent, broken promises, homeowner's policy inaccuracies and the refund deposit mistake. He took no responsibility for the situation and told me that I should have contacted him or his office to clear it up. This proves that there is no point of an independent agency. Just do it through the company directly. I received an explanation as to why it was my fault to trust his agent; no explanation for the refund I never received; as well as no solution to the inaccurate homeowners policy.
Shop around for better rates if you are using AllState, in particular if you are dealing with Cliff Hart's agency. You will find better rates and deal with someone with higher ethics that actually does appreciate your business. The worst part of this experience: not one single apology from Cliff Hart or his team for his agent. Not one single apology or resolution for the refund being deposited in someone else's bank account. Not one single apology for the inaccurate homeowner's policy. This agency puts profits as a #1 priority; while putting ethics and customer service on the back burner
Below Cliff posted a comment rebutting the review. My post is 100% accurate. Slander is a false spoken statement about an individual or business. I have documentation of my homeowner's showing a 20 year old roof which I cannot post on this. My ex never made a payment in 2014 either. I gave the updated information to my agent (Jason) and it never was filed....hence the refund going into her account. Look in another direction for auto insurance. I even found a better rate without a multi policy discount. read more