State Farm will not renew homeowners insurance

Go with Allstate.

Who cares how "loyal" the customer is? He's become too much of a risk.

Tell your brother to move to a less risky area.

Problem solved.

It happened to me too. They dropped me after 7 years. No claims. I'm not in a danger zone either.
Called around and every other company (allstate, nationwide, geico, progressive...etc...all the name brands) were asking for more than double (I was paying about 1K/yr and the quotes coming in were around $2100/yr).
Finally signed with MAPFRE (large ins company in Spain with Subsidiaries in north east). They are AM BEST rating A (which my mtg company required).
Premium now $1600/yr with NO additional Hurricane deductible (hard to believe but it's there in writing).

Your brother lives in a high risk area, and state farm made a decision to cut their exposure. If he can get insurance elsewhere, he should

Why is the tone from Riversider and NYCMatt as if the formerly insured something wrong?

Sometimes a colicky actuary may set off a new direction of corporate policy.

Find someone else.
There is no loyalty to you from banks, insurance companies, and most big business.

The sooner you learn this, the more you learn to make them and their competitors work for you.

as if the formerly insured DID something wrong

Is that how State Farm typically treat their loyal customers?

There is no loyalty. Business must be earned very single moment. State Farm's only obligation is to honor the contract. This is basically a pay for service arrangement and rightly or wrongly State Farm decided they don't want the business anymore. just as your brother always had the right to cancel or not renew, State Farm had the right to end service at the end of a contract term.

I dealt with State Farm for a type of policy a number of years ago, and for dumb reasons they decided not to renew. Made a few phone calls and got a cheaper and better policy from a competitor. By the time they acknowledged their flawed logic, it was too late for them and i had already signed with a competitor. It's just business and I still us State Farm for another policy where they are more competitive.

you're not loyal to Philadelphia Cream Cheese?

Does c0lumbiac0unty use State Farm or Farmer's insurance?

riversider....

very awkward for you

once again.

C0C0, I've noticed that you've taken on the aboutready style of staccato writing. You and AR ... ?

"Why is the tone from Riversider and NYCMatt as if the formerly insured something wrong?"

I'm not saying they DID anything "wrong".

I'm saying that because of their location, they are no longer a desirable client.

This is because you don't like single women, right?

http://streeteasy.com/nyc/talk/discussion/36039-stonehenge-57-balcony-death

I don't like STUPID single women. There's a difference.

Back to the topic at hand, I had a similar situation w/ our weekend place. It's about 2,000 feet from the water, perhaps 200 feet above sea level. They said they were no longer insuring anything within x feet or y miles from the water, regardless of flood risk. They're just categorically refusing to write this coverage.

That's dumb.....they will miss out on so much business by not insuring so many properties

That's dumb.....they will miss out on so much business by not insuring so many properties

--
its an actuarial decision. the numbers said don't take the risk.

I understand for homes near water, but not if they are at a 200 feet high elevation!

It might be a decision they regret, but I'm fairly certain what State Farm did was look at their risks from a portfolio standpoint and didn't like the some element of the risk exposure or decided that capital was better deployed elsewhere. Not insuring your brother's home meant they no longer had to reserve against the risk and another risk might have a higher ROI or require less reserves. And again sometimes these calculations are done by bean counters.

Have you worked for or consulted for a P&C insurer?