No claims in 12 years with Allstate. Hear their home claims are a nightmare. Hear good things about Amica. Carry homeowners, 2 autos, and an umbrella. Would cut my auto insurance half but double my homeowners leading to a wash prior to the amica dividend payment. Couple questions: What do you use to calculate your replacement cost for a house? Do you make any changes to that calculation if the policy has an overage waiver? My Allstate is 20% and the quoted amica is 30%. Any reason to carry additional structures if I don’t have a fence or our buildings? Any others to look into for insurance? With amicas rates in auto, it could make sense to break out my homeowners if we don’t choose to bundle.

Trupanion raised by rate by 56% on my dog who is not yet 2. In other words, we've only had the policy for about 1 1/2 years. She continues to be in perfect health too, no claims. What a breech of trust! I've never missed a premium payment.

Hey all I have to choose between some state medi-cal options for health insurance. The choices are community health, Molina healthcare and Blue shield healthcare. I've already dealt with Molina and I don't like them for my needs. So it's: Community Health vs. Blue shield. Context: My mother and I ( 55 F & 26 F) both suffer from certain health issues and will need specialists treatment, physical therapy and possibly even cardiology treatments (fingers crossed none of it is harmful). Some of these may even be genetic or hereditary, so appropriate testing and treatment are very important. We have either been diagnosed or have a probable diagnosis of some of these below 👇 Examples: •reynard's syndrome (a type of nerve condition) • Rheumatoid Arthritis • Wiggly Joints (causes wear of the joints and hyper mobility) Just to name a few. What I'm looking for is are there any miracle stories? Horror stories? Good experiences or bad? Which choice sounds the best for our needs of anyone can relate to us or has any experience looking for these things. TIA so much. P.S. I am still figuring out reddit so I may not be able to edit the post BUT I will reply in comments! Thank you!

I (live in NJ)have a leased Nissan Rogue 2024. Never been in an accident, have drive and safe enrolled and drive app 10k miles a year max never missed a payment. They've gone up from $89 to $120 in 6 mnths flat. Feels like this is getting a bit out of hand.. Is anyone else facing this and can someone suggest alternatives or suggestions?

Had an accident the other day my insurances says I’m 30% and the other party is 70% so what will I end up paying out? Even though the police said he was 100 at fault. I haven't seen the official Police report yet, not sure if the Police added he was at fault in the report. Hoping he did as even with dash cam it shows him hitting me in between my Drivers front fender and Driver's door which I can't open BTW. How can this be my fault in away.. State of Florida is weird with reports they only gave names and insurance info which the other party gave false information for New York driver.

I own a condo, which I reside in. The unit directly above me is a rental property. So, a pipe was leaking from the unit above me. HOA says the upstairs unit is fully responsible for any costs incurred in repairing the pipe and restoring my bathroom due to the water damage it caused. The breakdown in cost for my Master Bath is as follows: \*Demolition:   $2,879.00 (already completed) \*Remodeling:  $4,554.39 TOTAL COST:   $7,433.39 The upstairs neighbor’s insurance company, Farmers, just paid me a total of $5,570.51 to cover all costs associated with the completed demolition and for the not-yet-started remodeling. That leaves a shortfall of $1,862.88 to make my bathroom “whole” again. Farmers explained that there is depreciation. My condo was built in 1986. I believe the bulk of the cost associated with restoring my bathroom is labor. Not the materials. Right? Since you can't depreciate labor costs, how can the insurance company justify paying out a significant amount less than what is needed to return my bathroom to the condition it was in before the water damage? For example, one item on the list the contractor submitted to the insurance estimate was $290 to hook the toilet back up and reset it. I asked the contractor how much the cost would be for the material to do that. He said all it takes is some wax. I asked him for a breakdown of material costs vs labor costs, and he said he can't come up with that because it's complicated, and the computer spits out the pricing already bundled together. This is my first time buying a place to live. So, I am not as familiar with all of this, and if I am being denied something I am entitled to from the upstairs owner's insurance. Here is a summary of what the General Contractor submitted to Farmers: Recap by Category O&P Items Total % CABINETRY 710.40 15.60% CLEANING 158.33 3.48% GENERAL DEMOLITION 182.82 4.01% DRYWALL 732.75 16.09% ELECTRICAL 214.02 4.70% FINISH CARPENTRY / TRIMWORK 280.02 6.15% HEAT, VENT & AIR CONDITIONING 13.28 0.29% INSULATION 49.76 1.09% LIGHT FIXTURES 58.29 1.28% MIRRORS & SHOWER DOORS 191.83 4.21% PLUMBING 581.01 12.76% PAINTING 564.27 12.39% O&P Items Subtotal 3,736.78 82.05% Material Sales Tax 58.47 1.28% Overhead 379.57 8.33% Profit 379.57 8.33% Total 4,554.39 100.00% Should Farmers have to pay the full amount to restore the bathroom to its original state? If not, how do I go about getting the remaining amount if I am not responsible for costs?

I need some insight from others who seem to be having the same issue with rate increase on their dog’s premiums. My senior dog is going from $179 to $410. I cannot afford it but i need something in case he has an accident / medical emergency. What are you doing if you’ve also received a high rate increase? I understand pre existing conditions are not covered if we switch up. He is currently on an Apoquel medication for lifelong allergies, and so far so good healthwise. He is also a Saint Bernard so as a giant breed, they do not have a longer lifespan. We live in California. A quick search showed me ASPCA pet insurance, which i didn’t know existed… Any advice is appreciated and thanks in advance. Edit: typo on ASPCA 😅

Hey! I have a question. I reside in Tallahassee, Florida. I have one car here (2025 Toyota Corolla) and a car in Miami (2005 Toyota Camry). I informed Geico that the Camry is in Miami, and my sister is the primary driver. Geico informed me yesterday that they will drop the car from my insurance because they think that it’s her car (it’s my car in my name). They told me I needed the registration that shows the car is mine, and it needs to show the address where I’m at, which is the mailing address in Tallahassee (I go between Tallahassee and Miami). Anyone has been through this? Please advise.

Hello, I'm new to having car insurance, when I enrolled progressive the asked me to enroll in snapshot to get "an special discount" after signing up and realizing the app had to run always on the background I deactivated it. The thing is I've been getting emails from them saying reactivate it to keep your discount. Is it really worth it to have it activated? I've seen some people saying their rate actually went up by having it on.

I accepted FEMA'a offer of NFIP insurance for three years with the stipulation that I am required to maintain flood insurance on my own dime for subsequent years. They sent me an acknowledgement form to sign and a glossy brochure with generic information about flood insurance. However, they never sent me a policy, declaration page, or policy number. I have no way to know if I am covered. It has been four months since I was "informed" that I have NFIP insurance. What is the best action to take at this point?