Honestly, I’ve never had much luck with the companies that don’t have a local office. The one time I tried, it was a circus—took forever to get someone out after a deer hit my truck. Local agents at least pick up the phone and don’t act surprised when you mention hail. As for clear policies, I swear they all hide behind weird language. Closest I got was Farm Bureau, but even then, you gotta read every line twice. Wyoming weather’s tough enough without insurance games...
Local agents at least pick up the phone and don’t act surprised when you mention hail.
I get what you mean about local offices—there’s something about knowing the person on the other end actually lives here. I’ve had my share of “circus” moments too, especially after a fender bender on icy roads. One thing that’s worked for me: before signing, I make a checklist—ask about every weird scenario (like deer or hail), then write down their answers. If they dodge, I move on. Not perfect, but it’s helped me avoid surprises... most of the time. Wyoming weather keeps you on your toes, that’s for sure.
