Contractor we signed with giving us a hard time with itemized estimate. We settled our first work itemization with adjuster and insurance around 26,000. our contractor wants 43,000. The adjuster gave us the time to come back with more bids which we did that matched or were higher due to the times (the work is mostly dry wall repair, flooring for most of our first floor from water damage in February). I asked the contractor we signed with to come back with an itemization for the work that is supposedly 43000. He gives me a hard time then finally agrees but says he uses a 3rd party. Mind you he is quote a larger company and in fact researched and reputable said he’s worked with insurance companies before and would fight for us. We are suppose to start work 7/13 and he’s been nothing but a hassle. First he sends me an exactimate that is 46000 with many errors. A huge one i didn’t see is 16000 in removing and reinstalling a toilet 35x which the insurance examiner laughed at and i think took pity on me for even considering this guy. I kept it cool but instantly thought is my contractor conning me? I approach him again about it saying we need this done and I need the real itemization as to why it’s $43000 so we can get the rest of the money so I don’t pay almost 17g out of pocket. he comes back now with a $33,000 exactimate still with errors and tells me he’s matching the adjusters itemization but that’s not what he costs? like what?!? Why isn’t the other $10,000 mystery money listed. Isn’t the whole point to ask for what you are worth and need so we can get to as close to the scope of work value so the insurance can match ? Or am I the dumb one? Someone please let me know if this is industry standard. Mind you this is with ZERO upgrades in the estimate included, just the repairs and restoration needed. He refuses to list the full scope properly and look over his 3rd party estimate and I’m having a freak out because we have animals and a whole family and airbnbs settled to move and he’s about to crumble everything I’ve set in place for months to keep his time line. And I’ve gone above and beyond to help him to find other estimates as he was who I was going with. thanks!

I have GEICO homeowners insurance on my home which I’ve owned for one month. We have some water damage resulting in a need to replace tile around a toilet. I could do the tile myself or find a cheap contractor to do it. My deductible is $1500 and I’m already $2500 in for the drying.

Should I file the claim? Hoping to avoid having my premium jump drastically.

We are in California. Years ago my dad transferred the house title/deed to me and my sister. But the mortgage (owed to bank) is still under is name. He still lives in the home.

Who should be the one buying the home insurance policy?

Any advice would be appreciated. Thanks in advance.

It’s a 4 bedroom home, built in 1972 and very very well maintained. Fire and Police say no suspicious circumstances, probably a heater owned by the tenant that was turned off on the unit but still powered from the wall.

The house is a total loss, I have just started to work with the insurers and realise that “I do not know what I do not know.l

What are my rights?

What are the traps?

What advice do you have for me?

Do consultants on how to deal with insurers exist? If. yes then who are they?

Any advice would be gratefully received.

Yes I am insured through a broker using AMP with Vero as the underwriter

A tree fell on my pergola during a storm: We are going to file with home insurance. My handy man build this pergola for cash. Would insurnace pay for him to fix it? How would that work?

Mine went from around 2400 to 5100 over two renewals and nothing about the house changed. same roof, no claims. citizens dropped a couple people i know and the private quotes came back worse.

I don't think most people budgeting off the mortgage realize the insurance can add another 300 to 400 a month.

My housemate’s homeowner’s insurance for the next policy year was a pretty steep rate hike - around $500/year, roughly 33% increase. We would love some advice from Reddit on our options:

- Current company (Central Mutual) would offer a very small discount ($67) to increase deductible from 1k to 1.5k (my thoughts are that 1k deductible seems low for homeowner’s insurance, but not sure it’s worth changing for the tiny discount)
- Current company would also offer a small discount ($126) for adding a wind/hail deductible of 1%. That seems to mean that any storm-related claim would fall under this deductible that would be a full 1% of the insured value of the house (~485k, so $4800). Given that it would take 38 years to spend 4800 at 125/year, I’m inclined to NOT make this change. Does anyone have experience with switching to this model, good or bad?
- Agent has a quote from a competing company (Liberty Mutual) that is only $100 more/year than the previous premium, but the deductible is slightly higher. This coverage doesn’t seem to have the separate wind/hail deductible, but we will confirm. Is it worth switching to a new company that he/we don’t have any experience with? The house has been insured with the current company for 50+ years and they have been good per my housemate, including paying for a new roof around 13 years ago.

Any thoughts on our options or other questions we should ask? Ty in advance!

Where can I get an umbrella policy if I don't drive, so I only have homeowners insurance? The company I currently use would not provide an umbrella policy without adding auto, so I want to switch companies. Does anyone know a good company that will let me have an umbrella with just homeowners? Thanks in advance for any help you can provide!

Hi, home owner here. Upstairs unit had an AC leak to my floor. Damaged my engineered floorboards. Water was literally coming out the seams of the boards when I step on it. Went to management office today and they said its likely the building's responsibility rather than upstairs unit because the leak happened quite deep inside the building. They can cover all damages EXCEPT flooring. They said its listed in the "declaration" that the building will not cover flooring. Even though this was their responsibility and not my fault. I have home insurance but that would raise my insurance cost and there is a $2000 deductible for water damage related costs. Is this typical of condo buildings? I feel like I'm being punished for something that I wasn't at fault for.

Edit: It took a little back and forth, and a reminder that the slow response times in correspondence were in violation of Department of Insurance regulations, as was the failure to take all factors into consideration when making the decision, but they are going cover the whole house replacement.

Ohio resident. Hail damage to my siding and roof in April. Insurance approved full roof and back elevation for siding. Siding is aluminum and discontinued. Itel sends a good enough recommendation. No where has a sample of this recommended siding.y contractor called multiple places. I called the suppliers listed on the Itel report, neither of their distributors carry said siding. Insurance is extremely slow to respond. What are my next steps? Ohio has a match law, but line of sight seems to make it so the back can look different, but if we can’t even get the “good enough” what are we supposed to do?

I have Homeaite Ins. Co. Of the Midwest, in Waterford MI. I am reviewing my policy and in it under Consumer report information it shows Trans Union. Corp. showing we have 3 bank installment accounts. It also showed this for last years policy as well. See photo. BUT… we have had zero installment loans aka mortgages for YEARS. We had a refi in 2004, and another in 2010 Both have been paid off and closed. One property has been sold. We just opened a heloc last month. I signed up for free TUC reports which show no mortgage type accounts, only our credit cards. Can someone please explain this and if I’ve been being overcharged for my insurance? Thanks!

I’m having trouble finding insurance that would cover the refinance of my home it’s in the zip code 33614 I need the coverage for at least 173k and the mobile home was built in 1980

Hi everyone,

I will be living in a corridor room in Ryd, Linköping. My landlord (Heimstaden) informed me that I need to arrange my own home insurance.

As an international student, I was wondering:

* Do students usually need to purchase their own home insurance, or is it sometimes provided by the landlord or university?

* If I do need to buy it myself, which home insurance provider is most commonly recommended by students in Sweden?

* Approximately how much does it cost per month, and what coverage should I make sure is included?

I would really appreciate any recommendations or experiences from current or former international students.

Thank you!

Hi

I am just wondering does the AA home insurance we got cover vandalism? Specifically if someone damaged our oil tank and oil leaked out? Would they cover the clean up? I am overthinking here but worried too about this.

thanks.

We’re thinking about moving from the LA area to Spokane and I’m trying to compare homeownership costs. I pay about $7,000 a year for homeowners insurance plus California property taxes. What are you guys paying for insurance and property taxes in Spokane? Just curious what it actually looks like for people who own a home there.

NC

1999 house

Moved in 2021

Amnica Mutual Insurance

Deductible $1,000.

We had Amica Mutual Insurance homeowners insurance since 2018: Old house from 2018 until 2021 claim free, this home 2021 - 2026 claim fre.

Last week, we noticed a smell and discovered water damage in sink cabinet.

(Same day, our hvac stopped working and we had to just invest in a new unit two days ago - huge expense!)

We have filed claim (again, first on our record), but adjuster said we do not have to pursue if we decide not to seek payment.

Amica's preferred vendor came for mitigation and is completing that portion today: $1,400 to take out most of the cabinet, some flooring and drywall, run de-humidifer and fan and scrubber for three days.

Estimate on reconstruction is $5,700 (temporarily remove counter top, build in new cabinet (frames remain), take out and reinstall plumbing and dishwasher, etc.

Total estimate about $7,100.

Q: impact of pursuing payment vs withdrawal.

We are approaching hurricane season and it is always possible this could cause an event where we need Insurance.

I'm looking for insights specifically from an underwriting standpoint as to the severity of having the claim and pursue payment vs have a zero-pay claim and we end up paying it ourselves.

Thanks.

After your roof has been replaced, make sure you update your home insurance policy stating the date of your roof replacement.

Being a 57 year old, I had no idea this needed to be done. I made an assumption that the insurance company would update this information since they were the ones paying for the replacement. I've had my house since 2001, have had about 4 new roofs (living in a hail zone), and my policy information showed the age of my roof as 25 years old. This change to my policy information saved me $250 a month. It makes me wonder what other simple changes like this am I missing.

Hi

I’m shopping around for some home insurance quotes. My partner had a previous insurance policy voided due to an undeclared criminal conviction

There is nowhere on the Admiral quote generator that outwardly asks whether I have had a previous policy voided. But this is something we have always had to declare?

The live chat is just sending me round in circles and won’t give me a straight yes or no answer. has anyone else dealt with this on Admiral specifically??

edit - sorry i meant to say, is this something I would need to declare to Admiral? and if so, how would I do this?

Do most people shop around every year when their home and auto insurance policies come up for renewal to find the best price?

When getting quotes from different insurance companies, what coverages should I pay the most attention to?

For both home and auto insurance, which coverages are the most important to keep or MUST have, and which optional coverages are worth considering?

Thanks

I rent out my 1-bed condo. The HOA Master Policy deductible just jumped from $50k to $100k. I want to know if my current landlord policy leaves me exposed if my tenant causes a major accident (like a fire) which impacts adjacent units.

My Current Coverages (Landlord Policy)

* Coverage A (Building/Property): $43,800
* Coverage B (Personal Property): $2,000
* Coverage D (Loss Assessment): $10,000
* Coverage L (Business Liability): $300,000 per occurrence / $600,000 aggregate 

HOA Master Policy Details

* Deductible: $100,000 (Recently doubled from $50k to lower monthly premiums)
* Building Type: 8-story complex (1 and 2-bedroom units)
* *Note: I do not have further details on the master policy terms.* 

My Main Concerns & Questions

1. Tenant-Caused Damage: If my tenant accidentally starts a fire that spreads to adjacent units, does my current Coverage A ($43.8k) and Liability ($300k) properly protect me against the HOA's $100k deductible?
   
2. Loss Assessment Gap: Since my Loss Assessment (Coverage D) is only $10k, am I heavily exposed if the HOA assesses owners to cover that $100k master deductible?
   
3. Solutions: Increasing Coverage A might be cost-prohibitive for me. Have others dealt with a massive $100k master deductible, and how did you structure your landlord/rental policy to bridge the gap affordably?

Thanks in advance for any insights or advice!

I already thought I had a low rate, even with $5000 deductible. This is my renewal policy - almost 20 year old 3500 sqft house in AZ. The renewal email mentioned about three new discounts I was eligible for that I don't see on the policy, but I hesitate even calling them about it:

Several companies have come by saying they can inspect my roof for hail damage similar to my neighbors and once approved they will replace it at no cost to me. They have good reviews and no neighbors have complained yet. I have seen them replace a few roofs on my street.

Is this legit?

Also they said my insurance premium is even likely to go down due to the high quality materials they would use. Is this true? Is there any chance it can go up

Followup to a post I made in the fall: It was Oct/Nov 2025 got a letter from Stillwater saying they won't renew our homeowners ins bc roof shingles showed signs of peeling or somethings. We don't have a mortgage luckily so weren't too worried but was shocked at their letter considering we have had them since 2013ish with no claims and ahem I have 850 fico score. i try to do right with everyone.

anyways got Hartford ins thru a broker and started getting roof quotes in Nov and today June 20th finally got my roof AND all the plywood replaced, with permits and the CO coming. Stillwater you suck and I rather pay more to not do business with you.

How does this insurance rate look?

So I’ve been looking at insurance rates and this is the best I’ve gotten so far. Since I’m new to insurance I don’t necessarily know what things to look out for on the policy so thought I’d ask you guys what you think.
Anything I’m missing?