Arizona Home Insurance Company
reviews and complaints

I received a solicitation in the mail promising to insure my home for just $429. That's more than $200 less than what I currently pay. it sounded too good to be true and from a company I've never heard of before called Arizona Home Insurance Company (further investigation reveals the company is actually Western Mutual Insurance Group. Again, another company I've never heard of before. I was skeptical. I filled out the required information online on Friday night and a salesman called twice on Saturday, left one voicemail and then called again on Monday and left another voicemail. It said I could complete the application online, that I did not need to talk to anyone, but clicking the link resulted in taking me back to the original form I already filled out. When I called them, they said they needed to know the breed of my dog. I explained that I already put this information in the online form - a golden retriever mix. They said mixed with what? How should I know? What difference does it make? They said they WILL NOT insure any home that has a dog with Dalmatian, Chow, Pit Bull, and a couple of others I can't remember at the moment. Since I have no way of knowing what my dog is mixed with (and my dogs not telling me) they said I would be REQUIRED to send them a picture of my dog and an employee (not a canine biologist, or even a specially trained employee) but ANY employee (potentially) will examine the picture to determine if my dog is mixed with a 'dangerous' breed. Theoretically, I could send a picture of my dog under four different applications, and depending on the employee who evaluates the picture, I could be both approved and denied, depending subjective view of the employee. I could also trim my dogs hair, or even Google 'Golden Retriever mix breed' and submit any photo that shows up. They have no way of knowing, but they are DISCRIMINATING against me because I refuse to send a picture of my assets to them prior to allowing them to bill me $429 (for the first year - it goes up after that, and it goes up again the year after that). Despite the fact I am more likely to bite someone in my home, I am more likely to set my house on fire (by mistake - my dog doesn't bite people or play with matches) and I own several guns, so if an intruder were to break into my home, the dog should be the least of their concerns. I am the dangerous one. I am the one seeking insurance. Not my dog. I have never filed an insurance claim (car or home) in my 25+ years of home ownership. I don't mind if they want DNA from my dog and want a canine biologist to determine his breed characteristics. I take issue with the inconsistent and non-scientific manner upon which they determine my eligibility. They don't ask if I smoke, they don't ask if I light candles, they don't ask if I work from home, they don't ask the age of the dog (an old arthritic dog that can't even get up without assistance is irrelevant to them.) This is judgmental discrimination placed solely in the hands of random, unqualified employees. Can I seek legal action?

My home was burglarized about Nov 4, 07 around $60k worth of cash, jewelery and items were taken, about $42 to $45k should have been cover by my policy they launched an investigation, and the investigator tells me the insurance co. Smelled a RAT so that is why they are doing the investigation, another time i had to go to his home and drop off some paperwork and he tells me he is going to bill my insurance co. for the drive to my home, because it was about an hour away from his home. They continue the investigation, they kept delaying asking for item that had no bearing on this claim, then when i said i was going to have to contact an attorney if they kept delaying they made me an offer of $7500.00 for damages and replacement of stolen items. Vernon Garza (adjuster) said if i did not take that offer i would here from there attorneys. that that was reasonable because i had claims before. I furnished them with about 95% of receipts and now they refuse to return them or make me copies of them. They also canceled my renewal policy with in 3 weeks of my claim being filed. I asked to speak with a supervisor for 4 months and no return call and he was always busy or not there when i asked the adjuster to speak to the supervisor... VERY POOR CUSTOMER SERVICE! I was robbed and had to repair my home and now i am being robbed again by the company that was supposed to have offered me protection. do not trust them, change insurance companies now before you are robbed.