State Farm is discontinuing the policy for my 3-unit multifamily rental property. My umbrella policy is also with State Farm. My agent told me umbrella will cover the rental property if a new policy I find is A-rated (i.e. by AM best, JD power, etc) and underlying liability limit of $500k is purchased. Is it really true that the new policy for my rental property must be an A-rated insurer? What if it is less than an A-rating or not even rated at all? Insurance is insurance, isn't it? It is becoming extremely difficult to find a good, quality top-rated insurer that will write a new policy for rental property (building) that is 70 years old.

My company moved from Aetna to Cigna self-funded open access. Every month I submit claims for reimbursement with an out of network provider. The diagnostic codes never change but at least 2-3 a year, they play this game with me where they either lose the claim, claim is pending for weeks or the superbill is "missing" information even though its the same info every month with different dates. Of course, we all know they are just playing a game and trying to weasel out of paying me. Is there any where I can go to escalate these issues? My companies care advocate is useless but it feels like that is my only recourse.

Looking for updated info — my pet’s annual dental cleaning usually runs **$900–$1,200** (under anesthesia, with X-rays). **Nationwide’s wellness plan used to reimburse for it**, but I just found out that plan is **being discontinued** or no longer offers the same benefit. Most "wellness add-ons" I’ve looked at (like Figo, Spot, etc.) only reimburse **$75 or less** for dental cleanings, which barely makes a dent in the total cost. Has anyone found **a provider that actually covers full dental cleanings** under wellness or medical plans? Either as part of a **preventive package** or through **major dental** coverage?

[Ontario, Canada] Might not be the best place to ask this, but I was unable to find anywhere else. Following a car accident that was not my fault, my vehicle was totaled. My insurance provider, TD Insurance, paid off the car loan, and during the process, the agent proposed deducting my deductible from their payment to the finance company, with the understanding that they would later recover this amount from the other party's insurance. However, almost six months have passed, and I have yet to receive the deductible reimbursement. When I inquired, the TD agent explained that they have had difficulty contacting the other insurance company, citing a recent instance where they were on hold for over an hour without success. As this is my first experience with such a situation, I would appreciate guidance on how to proceed.

Long story short, we have never had issues with people buying and selling in our 6 unit condo building in Chicago until today. We accepted an offer and the lender reached out stating we needed **replacement cost coverage** in order to move forward, this is due to Fannie and Freddie guidelines as of June 2024. We have never changed our master policy provider and our bylaws specifically state that we must have **replacement cost coverage.** I have looked over our policy and it does not state either Cash value or replacement, just the limit on coverage with a \*attached for the inflation rider. Agent we reached out to has been non-responsive. Anyone else run into this?

I have been driving for nearly 25 years. I have nearly a completely clean record but didn't drive for a while up until a couple years ago. I am looking for any suggestions for sources to get the beat rates possible. Are there Any websites anyone knows of that are noteworthy? And trustworthy? I love my agent but I can't keep paying progressive $2000 a year (discounted 200-300 every 6 months for paying in full) for basic state minimum coverage (no collision etc)

My son damaged his car leaving a parking lot. He didn’t tell us for a few weeks (he parks with the passenger side near the garage wall so we never see that side) and can’t remember the address because he was lost in a scary part of town. He definitely drove over something because the frame behind the front passenger wheel well is bent. Geico wants the address in case there is property damage. I’m pretty sure it was an abandoned lot and nobody cares about a piece of cement. I don’t even know what to say to them. I’ve explained the situation but they keep wanting an address. It’s a 2 year old financed car that we bought brand new and have been with Geico for 10 years and have maybe 2 claims. This is my son’s first claim and he’s got no traffic violations or accidents but this. He’s 25.

My girlfriend received a collection letter last month about an outstanding AllState Insurance bill she does not believe she owes. Following my advice, we sent a debt validation letter to the collector, using a template we found on the cfpb (consumer financial protection bureau) website. The response from the collector did not make much sense to us. They essentially said "we need more information from you to provide the info you asked for. You also didn't provide any info to dispute the debt"....which is not what we were trying to do. Does this response mean they do not have the information to validate the debt? Or did the template we used not do what we expected? Is the next step to file a complaint with the cfpb as [this](https://www.consumerfinance.gov/ask-cfpb/what-information-does-a-debt-collector-have-to-give-me-about-the-debt-en-331/) page suggests, or do we just ignore this and go on our way? By the way, this isn't affecting her credit yet. **First two images are the validation letter we sent. The last image is their response:** https://imgur.com/a/EWyOVfO

I currently have Healthy Paws for my 4 year old (soon to be 5) dog. She has been with them since Dec of 2023, - almost 2 years - and my premiums have increased twice so far (once after the first year and then once again because I moved and I've never hit my deductible yet). My policy covers 80% with an unlimited payout and a $500 deductible. I currently pay $73 monthly but when I first got my policy it was \~$58. I see a lot of posts on this forum about the premium increases from HP and it makes me nervous for the future, especially when dogs are hitting 10 and premiums are sky rocketing to unaffordable rates. My question: if you have an elder pet, what insurance do you have, how long have you been with them, what is your policy and how much do you pay? I've found HP easy to deal with and I like having an unlimited policy, but the premium increases make me nervous. What insurance company has comparable policies that don't sky rocket their premiums as your pet gets older?

so I think the title explains it clear enough got a info in the mail me and my mom share a policy because i'm 19 and from my knowledge its pretty hard to get one note says "we are kicking you off on the 8th because you are doing deliveries" I am not doing deliveries I was in my previous car but I didn't even have that car insured with them and i literally told noone i was, along w the fact that the insurance company i used when I was doing deliveries has gone down under I had to switch and it was a totally separate thing and I haven't done any food deliveries since getting my new car since its a 350z lowered and its practically impossible to do them, so me and mom call agent and agent says "idk it just says you are there is nothing you can do your just going to get kicked off"? need advice in general, and just general questions, why can't I just send them proof that i haven't 2nd question where am I going to get insurance at 19 now