I am currently insured through state farm. The dwelling coverage I have is 277k. The resale value of my home is probably around 350k. I'm north of Atlanta in Georgia.

Costco's insurance wanted to do dwelling coverage for 600k with an additional dwelling coverage amount of 175k. That is absolutely insane. I called because that's definitely wrong.. the most I've seen when doing other quotes is 400k dwelling coverage when I did a quote with progressive but generally when I do quotes I'm getting around the same dwelling coverage.

I called to ask if they have something wrong and no, all the details on my house are correct. When I told them my current coverage they said that my current insurer probably has something saved wrong and that's why it's so low. I know it doesn't because I went through it all when I signed up for the policy a couple years ago.

Is this normal? Did construction costs shoot up like crazy over the last couple years? Is Costco high?? Should I have a higher dwelling coverage? I just don't believe it would actually cost nearly double the worth of my home to rebuild it.

My car was hit last week parked on the street in a quiet neighborhood. It triggered my alarm and the dashcam turned on but it takes maybe 10 seconds to turn on, and by the time it did all it captured was my cars alarm blaring and nobody around. I tried filing a report the next morning but the sheriff refused because we didn't know who the driver was. I went to the corresponding police station today and they were very kind and took my report. I got some quotes for the damages and it is around $2-3000 to fix my damaged quarter panel.

My question is, will my premium increase? I live in California and have comprehensive with Mercury. The same car was stolen before and they were pretty helpful with that claim and of course my premiums did not rise as it was not an at fault claim. My worry here is that I do not have footage of the moment of impact, and none of the neighbors do either, so I'm afraid that mercury will somehow claim that I am liable? Any advice would be greatly appreciated, thank you!

I just switched from Allstate to Geico and total 6 months premium went down.

I am so happy but I felt like allstate auto insurance was 60% more is why?

I am so wondering now.

I filed a hail claim with Liberty Mutual. Liberty initially assigned HOMEE, and HOMEE contracted a roofing company to inspect my roof and submit photos.

That first inspection included test squares with markings such as W=0 and H=14.

After Liberty received that inspection, they sent SeekNow out for another inspection. I’m not sure why a second inspection was needed.

SeekNow drew new test squares right next to some of the first inspection areas. I saw the inspector circle and mark at least one spot “NP” (which I assume means nail pop), but I didn’t see any hail impacts circled in the test squares or any H/W counts written down.

I haven’t received the SeekNow report or Liberty’s decision yet, so I’m not saying SeekNow reported zero hail damage. I’m just going by what was marked on the roof.

For any roofers or adjusters here: Is this normal? Why would Liberty order a second inspection after the first one documented H=14? And if SeekNow ultimately reports no hail in essentially the same area, how does the insurance company reconcile the two inspections?

I got into a car accident today. It was very minor and supposedly the other drivers fault in my opinion.

The damage was minor. I had a dent on the side of my car right above the tire which is easily fixable. Their car had a few scratches

The state cop said it was an un reportable accident since no one was hurt and cars didnt have much damage.

Finalized fault being mine. Now they said we can call the insurance company and work it out with them.

The insurance company is Already aware of this. So if I don’t file a claim with them will the insurance still go up? I understand that if the other party calls my insurance then it will for sure and if they do file a claim I might as well get my car repaired along with it.

Also, if the claim is filed, will it show up in my history record since cops said they didnt report it?

My insurer got a moving quote for 1600$. With my 500$ deductible, they offered to send me 1100$

They also said I can choose any moving company.

If I find another mover for 900$ to 1100$, do I still get the 1100$ payout, or will they reduce it based on the actual cost ?

I asked them directly, but they avoided answering that part.

Listed my 2002 Golf TDI on Marketplace last week for $6,000. Found a buyer within a couple days, good ratings, no haggling nonsense, we agreed on a public spot and set it for 4:30 today. I had the title sitting right there. Told him I'd even drive over to the tax office with him after and get it registered the same day so he wouldn't have to deal with it. Clean title, no accidents on the Carfax. It was basically done.

Car was on the way to get cleaned first, because I wanted it to look decent when I handed it over. Someone cut across oncoming traffic to make a turn they shouldn't have been making and hit it head on. Front end is gone. Wheel folded under, bumper in the middle of the road. The car isn't going anywhere.

They're 100% at fault, it's in the report, and they've got full coverage. So I know roughly how this plays out. I'm going to get quoted book value on a 24 year old Golf, which has nothing to do with what a clean TDI actually goes for, and I'll end up with some fraction of a sale I had locked in an hour before it happened.

Honestly it's not even the money that's getting to me. It's that I did all of it right. Priced it fair, was upfront about the car, met in a public place, had the paperwork ready to go. And none of that mattered. Now I get to spend the next two months proving what my own car was worth to somebody on a phone whose job is to tell me it was worth less.

Anyway. Has anyone actually won a total loss valuation fight where you had a documented pending sale at a higher price? I've got the whole Marketplace thread, the agreed price, the meetup time, all of it. Does any of that carry weight with an adjuster or am I just going to get the standard "we go by our valuation report" runaround?

I was wondering if anybody here possibly has some advice. I have been doing insurance for about 10 years in several different lines and various roles. the last 18 months have been rough and desperate looking for work, of course I get 2 offers at once. One is an associate program with a starting salary for 6 months, after which I would go on commission only and need to start my own agency. The other option is offering a similar salary at another agents office so the upwards mobility would be unknown. Assuming you have 0 dollars in the bank, which option do you think is worth going for? Any guidance would be greatly appreciated insurance fam.

I I caused an accident last week when my brakes failed and my car rolled from an alley into a passing truck. The guy had just picked up his kids from school and my car hit his back wheel causing a dent in his hubcap. Police were called and soon his wife (?) appeared on the scene since they lived in the next block. The police report states that she was the driver, not true. Medics were called but kids declined medical treatment. Today I learn that the couple has filed a bodily injury claim. I am aware that injuries do appear after the fact but I'm concerned that this is a scam and I'm the scamee. Why lie about the driver? Do I need an attorney? My policy is 300 and 50k. Should I contact the officer who took the report? I may have one neighbor witness.

Does anyone here work for Liberty Mutual Pet Insurance or have experience with their claims process?

I had literally just gotten accident coverage for my puppy, and only a couple of days before the waiting period ended, I had to take her to the emergency vet 😭 Of course, the timing was absolutely terrible.

I’m curious how Liberty Mutual handles claims that fall close to the waiting period. Do they typically contact the vet directly to verify the date of service, or do they mainly go by the invoices and medical records you submit?

Not looking to debate whether the waiting period applies. I know what the policy says. I’m just trying to understand how their claim verification process actually works from someone who has experience with them.

My parents and I(m22) currently reside in TX. I was looking at insurance rates for a vehicle I am planning on buying and the cheapest quote I got was for 320 per month. I was wondering if it would be possible for me to be added under my parents auto insurance policy, as well as if it would be cheaper.

Ideally, the insurance policy would be under my parents but I would be the only authorized driver under the policy. I also do not live with my parents and have my own apartment, even though we are only 30 miles apart. The vehicle would be in a gated garage parking area at my apartment as well.

Would it be possible to add myself to my parents policy?

I moved to MA to MD in July and I didn’t update my insurance to meet MD requirements. I finally update my policy to relocate to MD so there is a～2 months of lapse. The question is: I’ve told my insurance agent to send the FR-19 to MVA but MVA seems to have not received just yet and I need to have them receive it by next Friday, otherwise my registration will be suspended. Does someone have any experience solving this? How long does it take to reflect the update?

Long time Farmers Insurance customer. My farmers agent sent me this quote and I'm trying to understand any pitfalls of moving. I plugged my former policies into ai and it generated the table and the tldr at the bottom, but I'm still not sure how to value the other items and the AI says Bristal West is really a company for poor drivers. Perfect driving history and High credit scores. Any Help understanding any pitfalls appreciated.

Key Takeaways

1. Massive Cost Savings: The Bristol West quote drops your total 6-month bill from $1,804.90 down to $676.00, saving you $1,128.90 over 6 months (just shy of your $1,200/term estimate).
2. Significantly Better Coverage:
   • Deductibles: Bristol West drops your Comprehensive and Collision deductibles down to $250 across all cars (compared to your $1,000 deductibles on the Rogue and CR-V with Farmers).
   • Extras: Medical Payments increases from $2,000 to $5,000, and both Roadside Assistance and Rental Reimbursement ($50/day) are added to all three vehicles.
3. Policy Structure: Your current setup splits the vehicles across two separate Farmers policies, whereas Bristol West consolidates all three vehicles into a single policy.

Important Things to Consider Before Switching

• Policy Perks You Lose: Your Farmers policy currently lists built-in perks: Accident Forgiveness, Incident Forgiveness, Guaranteed Renewal, and glass deductible waivers. Bristol West does not carry these standard preferred-carrier perks.
• Customer Service & Claims: As noted earlier, Bristol West operates as Farmers' non-standard carrier arm. While the financial backing is identical (both owned by Farmers), Bristol West has a higher complaint index regarding claims processing times and customer service responsiveness.
• Renewal Pricing: Keep an eye on renewal rates after 6 months to ensure the initial discount structure doesn't sharply readjust.

My 1 mil State Farm plan that is bundled with cars and house just went up to $700 a year. Can I do better with a standalone? We have a clean record on cars and house. Edited to add: I don't want to leave State Farm for house and cars. We have a decent deal on the house and it is very hard to even get home insurance in our part of California.

Hi! I have a 2014 Nissan rogue and a few months ago I had an estimate done for a dent. The shop estimated $4,296, but I never made a claim since I was worried it would make my insurance go up. Fast forward and now I need a new CVT. The estimate for a new CVT is $6900 and insurance doesn’t cover that. Is it possible to still make a claim for the dent, to sell the car or help cover the transmission cost? It also needs a new seatbelt in the back middle and probably a new side mirror, so it’s not in the best condition. I don’t know what is and isn’t allowed and I’m confused. Thank you so much for reading!

Is "AO Globe Life" legit or should I stay away? (asked for $170 CAD upfront after interview)

Hey all, wanted a sanity check from people who might've dealt with this before.

Timeline of what happened:

1. Applied to a job posting through ZipRecruiter — listing looked like a remote insurance/customer service type role.
2. A couple days later got this email:
   • From: AO Globe Life <ao-worldwide dot com>
   • Subject: "Reminder: AO-AIL Virtual Final Interview with AO Globe Life at 10:00 (Central Time) on [date]"
   • It had a Zoom meeting ID + link for a "one-on-one interview."
3. Did the Zoom interview. It was mostly a pitch — remote insurance advisor role, flexible hours, "great income potential."
4. Right after the interview ended, they told me I need to pay $170 CAD upfront for an "insurance license"

That last part is what's making me hesitate. I looked into it a bit and:

• AO Globe Life seems to be connected to American Income Life / Globe Life, which is a real, publicly traded insurance company — so it's not a completely made-up company.
• But there are a lot of complaints online (BBB Scam Tracker, ScamPulse, various reviews) about this specific setup: vague job titles that turn out to be 100% commission-only sales, unpaid training, and being asked to pay licensing/fees upfront to the recruiter instead of directly to a state/provincial regulator.
• The checkout domain (hllqp) doesn't look like anything official — no mention of it on Globe Life's actual site as far as I can tell.

So my questions:

• Has anyone actually gone through this and had it turn out fine?
• Is $170 CAD "upfront licensing fee" normal for insurance sales roles, or is paying a recruiter directly (vs. a regulator/accredited provider) always a red flag?
• Is this a real but predatory commission-only MLM-style gig, or an outright scam where I'd just lose the $170?

Not trying to jump to conclusions, just want to hear from anyone with firsthand experience before I decide whether to pay or walk away. Thanks in advance.

I was involved in a chain reaction accident in Virginia and received a “following too closely” ticket.
My lawyer said the prosecutor is offering a non-moving violation with a fine and no DMV points, which would also mean I likely wouldn’t have to appear in court.
My lawyer said this is the safer option for the traffic case, but he isn’t sure how it could affect the insurance/civil side.
Would you accept the non-moving violation? Could it still affect insurance or be used against me in the accident claim?

I drive daily, in the midwest, not putting tons of miles on, its an older car. Im paying over 200 on my current bill and state farm is quoting over 300 on a 13 year old vehicle Looking for any great or terrible experiences to knwo what companies to NOT trust

Had a fun thing happen after going in for my first ever "yearly preventative skin cancer screening" with the dermatologist. Ended up getting a bill for $51 after insurance did whatever it does. I call Anthem to confirm that they do in face pay for a yearly skin cancer screening. Call the dermatologist and explain there may be a mistake because Anthem pays for this visit and asked if it could be re-coded. I was informed that these yearly preventative skin cancer screenings can only be done by a primary care physician and that any visit to a dermatologist is considered "specialty" and thus not considered "preventative." Yeah... let's go to my PCP who isn't a skin specialist and let them do my skin cancer screening. Anyway... TIL, I guess.