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Just became a homeowner in April and chose State Farm for my insurance almost exclusively because I already had them for Auto Insurance. I figured I would get a quote from State Farm and if it seemed reasonable I'd just go with them for both the convenience and the "Multiple Line Discount" that I'd get. I bought a town house and our Association has a large umbrella insurance policy, so I really only had to insure our house and belongings up to $10,000 and the Association covered the rest. This made the premium really affordable, so I didn't even shop around at other insurance companies. I'm not overly concerned about the level of the coverage, as we don't have any extremely valuable items, but I'm guessing it's sufficient. Mostly I was concerned about the price and paying under $15/month for homeowner's insurance makes me happy!
I've had State Farm Auto Insurance since I first started driving in high school, a little over 10 years ago. Thankfully, I haven't had to make any claims, which gives me the"Good Driving Discount" that they offer (3 years without any moving violations or at-fault accidents). Also, the "Good Student Discount" was always an easy way to lower the premium. And when I bought my town home this spring and used State Farm for that, I was able to get the "Multiple Line Discount" With all these discounts, their rates are quite reasonable. Also, both of the agents I've had (one in North Dakota, one in Minnesota) have been very good to work with and always provide prompt and knowledgeable service. I could give them 5 stars, but I don't know yet how well they handle claims (and hopefully I don't need to find out).
I opened a Wells Fargo checking account in the spring of 2012. After moving from local bank to local bank a couple of times, I decided I needed a national bank that could move with me, so I didn't have to go through the process of switching banks if I moved again. It was pretty easy to apply for a basic account, which can give you nearly free checking. You have to meet a few requirements to get the monthly fee waived, just maintain a minimum balance, sign up for a direct deposit, etc. Luckily for me, these weren't tough to do. Also, a month or so later when I bought my town home, I used Wells Fargo Home Mortgage, which immediately qualified me for an upgrade to the 'quot;no-fee' higher level checking account. Their online banking is simple; they have a convenient branch attached to my grocery store of choice, so getting my checking account (and savings) with Wells Fargo has worked out well for me.
I closed on my Wells Fargo mortgage in April 2012. Their rates were about the same as those of any other banks or mortgage companies in the area (Minneapolis, MN). I had a good, thorough loan officer through Wells Fargo, so it made the process easier. Some of the literature was confusing and way more than necessary, but I think that's just the nature of closing documents in general. By having a mortgage through them, I get some upgrades on my Wells Fargo checking account. Not a good enough reason to choose them on it's own, but a nice little perk if you bank with them anyways, or are planning on opening a checking account with them (as was my case). Overall, I've been pleased so far. I set up an automatic payment online for my credit cards and mortgage, super easy to do with Wells Fargo. No major drawbacks for me so far.