PEMCO Renters Insurance Reviews

I've had PEMCO for years--renter's and auto. In 40 years of having Renter's, I've never filed a claim. Then water spilled on my laptop. Let's see.... Water damage-check, computer-check, accident-check, etc. etc. Spoke to an adjuster who told me to go get my computer checked and if it couldn't they'd send me a check. I paid to have my computer checked. I reviewed the instructions on the process, which said I could replace it then. I fill out the paperwork and sent it in and was told it was not covered. In the double, triple and yes even 4-negatives, it basically excluded anything not specifically listed. And, oh, by the way, they no longer have those terms, they reversed it. The cost for the upgrade would be $4/year. I asked, why didn't anyone tell me when I renewed each year? Silence.

Good client, 800 credit score, no tickets no claims, 10 years with them. All my stuff is in the USA, building a home in Point Roberts and they decided to non renew me because I live in Canada sometimes while my house is being built. They have no integrity nor common sense. I will never be a client with them again. For a company that claims to have loyalty they sure have none. Thanks for canceling all my stuff on Christmas rental home, renter's policy and auto (all stuff in the USA), Merry Christmas to you too!

PEMCO has good relations with their insureds. They provide the coverage and defend well when needed. Their complaint rate with OIC is very good! Much better than Allstate & others.

PEMCO is good but pricey. Also I don't like that our credit history can affect the rate especially when I have been a good driver for years.

I have never filed a renters’ insurance claim but I trust PEMCO to do the right thing because I also have auto insurance with them and they always follow through and took care of those in a speedy manner. I got the policy years ago and it looked okay at the time. It is time to check to see how much I am covered for. I expect them to take my word for the damage done. If my house burned down it would be very difficult to provide proof of what burned up.

It was easy getting and renewing my policy when I rented an apartment. The coverage amount was sufficient and the quarterly premium was affordable. Luckily, I never had to file a claim. If I did it would have been a seamless process. My claim would have been addressed in a timely manner. There were 3 different tiers for coverage. All three tiers were at different price points. Also, I had the ability to pay quarterly, 6 months or for the whole year. I had the option of covering all of my things up to $20000. Also, have where there's coverage if someone gets hurt at my place and I get sued.

I was cited for a DUI for driving while on prescription medication for a fractured back on 12/31/2015. As we could not afford 4k to fight this I opted for diversion. PEMCO decided to cancel our insurance on 8/25/2016. We have never filed a claim, never had an accident. When we asked them to simply remove me from the policy, their response was rudely stated that they don't do that. They have our homeowner's insurance presently which they decided they would keep since the premium is paid for the year. They simply do not care about customers, simply give me your money. Never have any contact with them or they will just cancel your policy. Scum of the Earth greedy...

I purchased a different vehicle and traded in my old vehicle. I went over to check their phone number and realized that I'd forgotten that I already had an online account. It was smooth and easy to get this done! Also, I have always been pleased with PEMCO and decided I should share this satisfaction. I've had coverage since the 70's with my very first car. I have never had a problem with them, and in fact, was delighted what they did cover a gillnet that was stolen off our property!. In addition, I've called them to ask if I am covered because a friend had the worst experience with her insurance company after she was robbed. She had to show receipts for every single thing that was stolen. I called to make sure that wasn't what would happen to me. (She got a paltry payment since she didn't have receipts.) PEMCO assured me that I was covered. "We do not operate that way."