Pennsylvania Top-rated in Consumer Protection
Pennsylvania homeowners have more protection against having their homeowners’ insurance policies cancelled or non-renewed or having their rates raised when they file a claim than homeowners in 40 other states, according to a report by the Rutgers Center for Risk and Responsibility at Rutgers Law School.
Pennsylvania is one of only 10 states to receive a rating of four stars or better. “Companies have a right to charge fair rates to cover claims and make a profit, but punishing people simply for using the coverage they need to protect their families and possessions is wrong, and is not permitted in Pennsylvania,” said Insurance Commissioner Teresa Miller. “Our department permits surcharges to be applied only when a claim results in the insurer paying for the loss, so a zero-dollar claim or an inquiry as to whether a loss is covered cannot be used to place a surcharge on the homeowner’s policy.”