like many others, I was just hit with a huge increase - more than double - for Healthy Paws. we do have pretty significant monthly spend (thank youuu environmental allergies), so I wasn't likely to cancel completely, but I decided to run all the options for 90%, 80%, and 70% coverage through chat gpt, including my set monthly vet expenses. it gave me a detailed explanation for why insurance is still a good idea for me, and which option specifically would save me the most money. for my scenario, it ended up being 80% at $1000 deductible. just a suggestion in case youre not sure what your next step should be.

This is my first rodeo with homeowner’s insurance (Liberty Mutual) and it’s a nightmare. Looking for advice on how to proceed. The backstory is that a local company installed a new appliance in my home and bungled it. Their mistake caused some water damage to my kitchen and major damage in the finished room directly below. The appliance company gave information for their insurer, but when the initial water remediation was done and uncovered the extent of the damage, I filed a homeowner’s insurance claim instead and figured they would subrogate. I currently have a wall in my kitchen down to the studs with some cabinet boxes, trim, and the dishwasher removed and sitting in my sunroom. The counter is being held up by a piece of scrap wood. There are some minor signs of gapping in the hardwood floor that is usually hidden from view, so I’m hoping to let it ride. Meanwhile the room beneath the kitchen is uninhabitable. One wall is down to the studs with no insulation (exterior wall), LVP flooring removed, and holes in the ceiling from water remediation equipment. I received a repair estimate from a local contractor for $25k (HCOL area, home value approaching $1mil). This includes insulation, sheet rock, plaster, paint, baseboards and trim, ceiling repair, LVP flooring downstairs to replace what was there, reinstall of existing cabinet boxes, and plumbing. It does not include new cabinets or counters. My claim with Liberty has been in process for 8 weeks and a field adjuster came out 2 weeks ago with radio silence since then. The contractor has also been contacting Liberty for updates. Liberty called today and said the field adjuster calculated $700 to repair the kitchen and $2300 to repair downstairs for a total of $3k. I understand it’s an initial offer and figured I won’t come out of this without burning cash of my own, but it doesn’t cover the cost of materials let alone labor. And there’s not even a guarantee that my custom cabinets and counters will come out the other side looking the same. What do I do from here? Do I eat $20k up front and turn around and sue the appliance company to be made whole? I thought that was why I had homeowner’s insurance but this is a real nightmare. And to top it off I’ll be adding a newborn to the mix in less than 8 weeks with my house in shambles and no dishwasher (first world problems, I know).

Hello, I doubt I can do anything about this but I'll ask anyway. My broker automatically froze my account yesterday because I supposedly made a large amount of orders (less than 10 a day on average). The average of those orders were positive so I'm unsure why the amount matters, not like i was losing money. I had an ongoing call that I was keeping waiting (hoping) for the price to go up and placing puts as the price was decreasing, so i was slowly making back the unrealised loss (and I did more than make up for it before tariff struck). Anyway, yesterday I tried to place a put but noticed my account was frozen, asked why and the help center told me the reason above and that it was there to protect me. Anyway, tariff happened today so the earlier mentioned call escalated in price which triggered their automatic order closure when the account reaches 25% of its value. Since my account was frozen i was unable to place a put to stop the fall in price and such. They did prevent me from placing a put just before the tariff struck yesterday, and while it was happening. So i was wondering if I could ask them for any sort of compensations or if I should cry. the broker is trading 212 just in case. Location: France

**TL;DR - old dogs, medical history, am I stuck with my current insurer?** (that doesn't add any info to the title of the post but oh well. And yes this post is too long) I have two Portuguese Water Dogs, a [10 year old black curly male ](https://imgur.com/wFUAoUd)and an [8 year old brown curly female](https://imgur.com/xHxNAZn). As older purebred dogs, they've been to the vet once or twice ;-) [Besties](https://imgur.com/sPSnlRh) (and cousins) My dogs have been insured with the same company (H.P.) from as soon as they were eligible as puppies - 8 weeks plus the obligatory waiting period. I would love to be able to leave this company as they have become quite expensive, and their incompetence processing claims for us is truly staggering. They reflexively reject claims as "not covered office visit" when the claims are not for office visits. My dogs recently ate raisin bread (ugghhhh) and so there are a lot of vet bills and it's been three times now they've done the exact same rejection pattern - despite my calling in and saying "you've rejected correct claims before, can you please process these correctly". Apparently they can't. They are owned by a billion dollar company (Chubb) and I guess they need my money for the CEO's granddaughter's golf lessons or something. Maybe it's not intentionally trying to rip me off. But if that's not it then they've been unbelievably incompetent. Which is worse?? Of course I have no idea what the future holds for these dogs - whether they'll need care for preexisting conditions or not (or for something that the insurance **says** is a pre-existing condition.) The older boy had a mysterious illness as a puppy so that is in his record (though from another vet in another state, maybe it wouldn't ever be found); he's had positive Lyme titers on more than one occasion; and he had acute kidney injury (based on his creatinine) from the raisin incident that may or may not have resolved. The girl never showed abnormal values from the raisins but got IV fluid treatment so it's in her record. She also has been seen for recurrent UTIs that are controlled with special food that controls her urine pH. Backstory is We previously had two PWDs [D & B](https://imgur.com/WN920VF), ten years before D died of cancer and one of them ended up in the ER and as the result of a complete medical and administrative dumpster fire, we ended up spending low five figures to keep her alive AFTER the vet practice KNEW she was completely riddled with pancreatic cancer. (Dog medical stuff is no fun!) We had to take out a loan from one of those companies that has brochures on the reception desk of vets, plus put a lot on credit cards. :-( After that experience we resolved we'd insure our new dogs and went with HP because they had no lifetime limit, and we didn't want to have to make a dollar decision on a dog's life. Also at that time I don't think HP was owned by Chubb (?) They seemed like a small soulful outfit out of Seattle and genuinely wanted to provide a service to pet owners. I may be wrong about that though. At any rate Chubb owns them nowand probably the original owners are enjoying their retirement in a 7000 square foot mansion in Bali built entirely from reclaimed Indonesian teak temples. But I digress. So - I'm stuck with my existing insurance? Pre-existing conditions seem to be ixnay for the pet insurance industry (for reasons amply explained in this sub), and if there are any loopholes or allowances it seems like my dogs are exhibit A for not fitting through. Thoughts / insights / advice / comments on how cute my dogs are, much appreciated.

Hi, Curious if anyone else has had this issue. From what I’ve read online, it seems to be a general theme with pet insurance and I don’t think I have any rights or avenues to pursue to do anything about it. I have had Embrace pet insurance to cover my 3 pets since December of 2020. My insurance premiums renewals for my pets, that I still have the records for have been: Dec. 2022: $112.90 Dec. 2023: $133.49 Dec. 2024: $245.76 My pets are obviously getting older from when I initially took the policy. Current ages: Cat (6) Cat (10) Dog (8) Their rationale for increasing my premium is cost of vet bills increasing, my “tenure” (I’ve had embrace 5 years therefore my pets have likely developed ‘pre existing conditions’ that would not be covered if I was a new policy holder which means more money they have to pay to now cover these conditions), and the pets age. I understand things increase year over year, I’m hung up on the fact that my rate has almost doubled in a single year. I was going to file a complaint with the state insurance commissioner, but it doesn’t seem that they are technically violating any laws. I feel like I can’t switch companies because my pets have “pre existing conditions” that won’t be covered at a new place but at $300/ month I might as well save my money and pay the vet bills out of pocket. I found online that Embrace was sold to JAB Holding company for $1.5 billion dollars in 2023. So I don’t think my premiums are going up so Embrace can keep the lights on. If you have any advice, I am all ears. If you don’t have advice, take this as a recommendation to avoid Embrace pet insurance at absolutely all costs.

I noticed on my renewal for my auto policy with Progressive that I was listed in tier 3M. Google told me this is a high risk tier, but I have been driving for many years, have a clean driving record, and no claims. I am, based on my driving record and insurance history, a low risk driver. Is this a high risk tier? Does anyone know how these tiers are assigned? If I am incorrectly assigned to the wrong tier, how do I fix that?

My wife was driving and was hit in the rear driver panel and part of the rear tire in a hit and run. The car was drivable so it was not towed. The impact caused the tire to toe out however. For context, I had the specific tire that was hit replaced maybe two months ago. That being said, BOTH rear tires were worn down to bald and wire showing in some areas. Progressive has deemed that only the drivers side tire is eligible for coverage because it caused sidewall damage and that the tires are bald because it is a performance vehicle. They are also saying that a single tire being improperly aligned/toed would not cause any additional wear to the other tires. Do I have any options as far as getting them to cover the passenger tire? Is there a magic phrase or wording I need to use? I understand that a new tire is only around $250 to mount and balance but I feel like this is something the insurance should cover given the circumstances.

I have my cars and house bundled with Erie. I traded in my old car and bought a new car. When adding the new car they had to re-rate the policy and it jumped my homeowner policy up by 37%. No homeowner claims ever. Not sure how a new car justifies even looking at the home policy in the first place.

Hi all, I keep running into an issue where my auto insurance is OK then it goes up eventually which makes me want to look around. This past year I've been on a mission to reduce my expenses as much as possible. I cut a lot and the auto is a pain because I lock in a price then when I get it all set up it goes up eventually later. I got advertised a commercial about a site that offers "wholesale" insurance prices that apparently is cheaper because no middle man. I didn't recognize the site so to me it seemed weird so I avoided. I looked for a local broker in my city but they only rep a few companies, one I gave my info to like vin and they never sent me a quote or anything but I got an email that showed they were looking for rates on the carrier sites. That company appears to be out of business now, my city doesn't have many options with local people that can compare rates. Is my best bet to call bigger places individually like geico etc and just change companies each year when the premi