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    6 years ago

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    Farmers Insurance - Derek Diaz

    Farmers Insurance - Derek Diaz

    (1 review)

    I was with Mercury for many years and have switched to Farmers…read more Derek and his team have gone above and beyond in explaining and triple checking every discount available to me and because they care so much about the clients, they have taken a personal interest in lowering my cost. Derek was referred by a friend in that area and he was kind enough to take me on even in another city as I live in Los Angeles They are sympathetic due to this hard economic climate and do everything in their power to make it affordable so I will be protected in these times of SUE HAPPY. I do not want to risk losing my home or going broke for some crooked bandit to leave me without the proper coverage. I will now look into a life insurance policy as I would hate to be kicked out of my home if something should happen to my husband because I could not now afford to pay the mortgage without my husband's part and this really worries me as we all have to check out sooner or later and I don't want to live my older age on the streets. Being with Framers a reputable company gives me peace of mind. Derek and Gina Thank you for being compassionate human beings not just some hard sell agents.

    From the owner: At the Derek Diaz Farmers Insurance Agency, my priority is to ensure that there is a sense of trust…read moreand community with our clients, and we pride ourselves on our excellent customer service. My experiences as successful local business owner has provided me expertise in serving families in the Santa Cruz, Monterey, San Benito & the Santa Clara County areas. With this community experience, I am able to extend a helping hand for all of your insurance needs! CA Lic. #0783434

    State Farm Insurance

    State Farm Insurance

    (1 review)

    DO NOT PURCHASE STATE FARM HOMEOWNER'S INSURANCE…read more I had State Farm Homeowner's Insurance for over 30 years. Although I paid thousands of dollars of premiums during that time, I had very few claims. The total amount of all of my claims was under $10,000 for 30 years plus! And they rarely paid anything on a claim, there was always a reason they couldn't cover it. For example, I had my electric scooter stolen, and because the scooter went 2 miles per hour over the type they would cover, they wouldn't cover it. I had an $11,000 plumbing job because of root intrusion into the pipes in my yard but they don't cover that. There is a far more extensive list of what they don't cover than what they do. But I found all of this out the hard way. In 2016 I filed a claim on that plumbing disaster which was denied, and a few months later I had all the property in my car stolen out of it and they covered that. I received under $5000 for that. But because I filed two claims within a six month period, whether they covered it or not, without any warning they canceled my homeowner's insurance policy. After 30 years. And the agent that I have had all of that time did not go to bat for me in any way shape or form. Because my house was built in 1935 I am quite sure that they figured at some point I might actually use my insurance with a loss that they might have to cover so just got rid of me the first chance they got. If you don't have homeowner's insurance your mortgage company can call in their loan, or make you purchase their insurance that is exorbitantly expensive. This puts you into a position where in order to find a new insurer, you are at the mercy of what they require you to do in order to 'qualify" for their insurance. For example, my roof does not leak, shows no signs of a propensity to do so, but I have to purchase a $15-20K roof in order to qualify for another homeowner's policy. My house has normal paint fading, but I have to paint my house. You get the picture. They want to reduce every risk they might have to cover before they will cover you. I filed a claim with the California Insurance Commissioner and found that they can't make an insurance company do anything. So - a word to the wise. Don't purchase State Farm Insurance. They have no loyalty or integrity in serving their long term customers, and if you actually file a claim with this company be prepared to lose this insurance regardless of your own loyalty toward them. It's a one way street. I recently changed to AAA Insurance, and from the onset I have received more customer service than in all the years I was with State Farm.

    Dwight Lynn - homeinsurance - Updated July 2026

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