I pay my Home Insurance through my Mortgage Bill every month from there my lender pays my Home Insurance. For the second year in a row they have failed to pay the Insurance company (Progressive). Unfortunately it renews in July and if the payment isn’t remitted by the first from the Mortgage Lender it lapses. My neighborhood goes crazy on the 4th everyone and anyone capable of flicking a bic lights fireworks. Should the payment not be submitted by the first and it lapses; worst case scenario something happens on the 4th would the Lender be responsible for any damages being they failed to pay the insurance bill?

I had signed up for trupanion pet insurance after reading good reviews. Now my dog had a CCL rupture and needs surgery. They refused to cover ANY costs because they classified limping as a pre-existing illness. After my vet send them a lengthy letter (as seen in picture) they STILL denied coverage saying they do not cover any CCL injuries that occur within 18 MONTHS!!!!!! Absolute waste of time and money. My vet hates them too. Have cancelled my subscription.

This past Sunday, while watching a movie at a theater, someone ran over brand new my motorcycle in the parking lot. Thankfully the person who did, told an employee and waited for me. He gave me all of his information. I filled a claim with his insurance, The Hartford and am a little worried about it now. Within a day of filing the claim, they have switched the adjuster and the new adjuster told me, “honestly, I don’t know. I’m not going to ghost you…” when I asked for a timeline on them getting back to me. Are they just going to give me the run around?

Seeking advice from folks involved in the auto insurance industry... A bit of background. We've been insured with State Farm continuously for over 30 years, getting both home and auto insurance from them. A couple of weeks ago we received a notice that they were dropping us from our auto coverage because there were 4 claims on our record: 1. An accident where my wife was at fault, where she hit a car in a parking lot. Our insurance ended up paying out about $3,000 for that accident (mostly to other driver.. very little damage to our car) 2. An accident where my 17 year old daughter rear-ended another car at low speed. There was minimal damage to the other vehicle (scratches on the bumper) but due to the age of the car my daughter was driving, the amount of damage to her car was high enough that the vehicle was totaled, and the insurance paid about $6k to us for the totaled vehicle. 3. My older daughter was riding her bike (pedaled bike, not a motorcycle) 4 years ago and was hit by a car who illegally ran a stop sign. The other driver was found to be fully at fault, and State Farm paid absolutely nothing for that claim to anyone. In Texas apparently anytime there is an accident with a bike and police are called, it gets reported to your insurance. 4. My older driver was riding her bike again 2 years ago and was again hit by a car who rear ended her as she was legally riding on a city street. Again, the other driver was found to be fully at fault, and State Farm paid absolutely nothing for that claim. State Farm said that those 4 accidents were enough to drop us from coverage. (Technically, it's a non-renew, when our policy ends in about 3 weeks.) While I personally strongly disagree with them considering the 2 bike accidents, their representative told me that they are within their rights to do so, and that they have indeed done so, and that "there is nothing you can do to appeal". That upsets me, but that actually isn't my question! Because we're being dropped, we've searched for alternative insurance. I have obtained quotes from a variety of companies, and found that Progressive is offering coverage that is comparable (actually, a little better) than the State Farm coverage we had, at a fairly significant reduction in cost over what we had been paying State Farm, so we're switching as soon as our current term with State Farm ends in a few weeks. On one of our vehicles that is currently insured (with comprehensive and collision coverage), we sustained hail damage on the car a couple of years ago, resulting in dents to a number of the body panels and a crack in the windshield. None of these things bothered us that much, and we've just let them go. However, we are considering filing a claim for that damage before we leave State Farm and getting them repaired. I'm not sure what the total cost will be, and it's a somewhat older car, so I'm worried that MAYBE the cost of repairs could end up reaching the dollar threshold where they would total the car, but there is nothing whatsoever else wrong with the car. Here's my real question: If we did file this claim with State Farm before we leave them, is there a potential that this could come back to bite us later with Progressive? Would having this claim for hail damage impact our rate with Progressive, either now or later? Also, if they did decide to total the car, it's almost certain we would choose to buy the vehicle back (not relinquish title) and then hopefully fix the damage on our own, as best we could, using whatever State Farm paid out after the buyback. However, would the fact that the car had been totaled impact its future insurability or our rates for insurance coverage? (We've had a history of always getting "full coverage" on our cars, even though they are paid off.) My understanding is that Texas does not require a salvage title on a vehicle if it is totaled due to hail damage, although I'm not positive of that. Any advice from folks "in the know"? Thanks so much!

Buddy of mine is really having issues with State Farm. After a long back and forth they came to a number of $25,750 minus the $500 deductible for a total of $25,250 for his truck. He was hit in mid February of this year. He finally received an email today saying he could accept the payout and the number was almost 10% less at $22,999.19. What in the world is going on here? What recourse does he have and has anybody experienced this? Thanks in advance

I submitted a claim on 4/12 for my three year old domestic shorthair cat for a diagnosis of FHS. On the claim I asked for reimbursement of the medicine ( Gabapentin ) and the cost for the emergency visit. I submitted all medical records as requested. Today 4/29 and the claim is still in review. I signed up for Lemonade when my cat was a kitten. He has no pre existing conditions and I take him to all his annual vet appointments. Lemonade is not very communicative. I only received correspondence when I reached out to them asking for an update. They say they are working on processing the claim as quickly as possible. Is this normal turn around time?

FIGO Costco pet insurance. I’ve been paying $133 a month for a healthy dog. They literally only pay $50 a year toward vaccinations. I went ahead and cancelled. I just can’t justify such poor assistance for these expensive vaccinations. His vaccinations and annual checkup is $300. I am considering setting up a savings account dedicated for my dog. I should have read the fine print.

My 2-year-old husky/rottie mix, Raymond, is insured through HealthyPaws. They have been wonderful- it's $57/month for 90% reimbursement with a $250 deductible. As I'm sure you can guess from his breed, he has had several expensive accidents, especially when he was little. HealthyPaws has covered all of them and saved me thousands. There's also no annual limit. My boyfriend and I live together now, and we want to insure his 8-year-old greyhound/lab mix, Tucker. He's healthy and has no pre-existing conditions. I called HealthyPaws to add him, but they said the only option is $69/month for 50% reimbursement with a $1000 deductible. While looking into other options, I found tons of reviews saying that HealthyPaws significantly increases premiums each year. Now, I'm considering moving Ray too and putting both dogs on a new plan. Despite competitive pricing, it looks like Lemonade is bad about premium hikes too. Trupanion would triple Ray's premium and make Tucker's absolutely ridiculous. Nationwide only offered Tucker a dirt cheap plan that doesn't cover illness. PetsBest gave me a great quote for both dogs, but has mixed reviews about coverage and price hikes. I'd appreciate any recommendations/advice. I'm looking for a company that is able to do 90% reimbursement and a lower deductible for Tucker despite his age, doesn't increase premiums much each year, has no annual limit (or a very high one), and doesn't deny claims for stupid reasons. Add-on riders for routine wellness are a plus as long as the limits are reasonable- we spend $400+ each on Simparica Trio each year, and their annual exams are pricey.

Been with Healthy Paws for quite some time. They were great during the life of my senior dog that recently passed away. I have another senior dog whose rate just increased by an insane amount and have been debating whether or not I should keep paying it or just cancel and set that money aside. She does have pre existing conditions so unfortunately getting her on a different plan seems pointless. I have a 8 year old cat with no pre existing conditions and a 10 month old dog. I would like to have them on pet insurance but I feel like every company I research there are some good reviews and then horrible reviews. Is pet insurance even worth it anymore? Does anyone have any good companies they would recommend? Thanks.

I recently had a life event (job) that allowed me to change my plan. I chose blue cross blue shield options, because the doctor I need to get a surgery from is in network with them! As of yesterday the hospital in Dallas is not in contract with blue health blue shield anymore.... would this be enough to qualify for another life changing event? This doctor is one of the few specialists that preform this micro nerve surgery. I heard soemtimes hospitals and insurance companies come to agreement and they will start accepting my insurnace again.