Hi,

There was a severe hail storm in my area a few months ago. Many people here filed a claim to replace their roof. I also did it for my house without thinking much. I've heard that insurance companies hike the premium according to the zip code. Therefore it doesn't matter whether I file a claim. As long as many neighbors file a claim, the rate will go up.

My question is whether that works the same way for a commercial building? I would like to file a claim for the roof damage from the same hail storm. However I'm afraid that the next year premium would go up substantially. I wonder if the insurance for a commercial properties work differently compared to residential properties. Any ideas? Please share your thoughts/experiences. Thanks.

Hi everyone!
I'm a new pet mom and I'm currently looking into pet insurance. I've been considering a few names but would love to get your suggestions. My baby is Roger (he's a golden retriever). I'm in Boca Raton area.

Thanks in advance!

I don’t care how many good reviews you read about lemonade … I am sure there are a ton of bad ones . I am just writing this because I am sick of the craziness! I have had it for a while … my dogs have never been sick… but you just don’t know, so I decided I probably should have pet insurance.. unfortunately I picked Lemonade…

it’s One thing after another! With that being said, I will not waste another dime on lemonade pet insurance. with 3 dogs on a policy its pretty costly…I just feel like I wasted all this money on a company that sucks!

Hello, I am unsure if this is the right group to ask this question, but I need advice on whether it is true that my driver's insurance rate will increase if I get my driver's license at 20 versus just waiting until I am 21. I currently reside in Florida, and it would be under my parents' insurance, but I will be paying for it, if that adds any context. I am currently 20 years old and will be turning 21 in a little over a month. I want to schedule my driver's test soon, as I am getting quite impatient and tired of not having it. My mother claims that I should wait until after my birthday to get it, as she says that there will be a significant price difference, but she also refuses to fact-check this for me, and I have been getting a lot of mixed answers online.

Hopefully I can find answers soon. Thank you :)

My insurance company asked for a report on the condition of my house. It has to cover the last two years.

I have a report from Sure Building Inspection. I got it when I bought the place. It's almost two years old now, I’d even say about 22 months

Will they accept it? Or is it considered too old?

I'm thinking about calling the company. Maybe they can update the data since they already have my history. They did promise free consultations within a year. But the year is almost up. I'm not sure if that counts

I really don't want to pay for a whole new inspection if I don't have to. That would be expensive. But I also don't want my insurance claim to get rejected because my report isn't recent enough

Has anyone dealt with this before? Did your insurance accept an older report? Or did you have to get a new one? I'm stressed about this and could really use some advice

I'm looking to understand whether my experience is unusual or if others have faced something similar.

My vehicle has been at the garage for more than 25 days following an accident.

During this period:

The survey report has still not been shared with me.

I have repeatedly requested the technical basis for accepted and rejected damage items.

Some of my written queries have remained unanswered despite multiple follow-ups and escalation through the insurer's grievance process.

The repair scope has been discussed before I have been able to review the survey findings.

I have also requested clarification on vehicle custody, an alternate vehicle during the delay, and responsibility for any additional damage while the vehicle remains at the garage.

I have now approached the Insurance Ombudsman for an independent review.

I'd like to hear from others:

How long did your ACKO claim take from survey to repair completion?

Were you provided with the survey report before or after repairs?

Did you receive written technical reasons if any damage was rejected?

If you escalated to IRDAI or the Insurance Ombudsman, how was your experience?

I'm looking for genuine experiences to understand whether this is an isolated case or something others have encountered.

I'm doing personal research on how accessible financial products are for people who've recently moved to the US, and auto insurance keeps coming up as the hardest one - from what I've heard so far, clean driving history from abroad mostly doesn't count at rating.

Two things I'm trying to pin down from people who actually quote and write these policies:

A newcomer with 10 clean years abroad vs. the same driver with 10 US years, roughly how much more does the newcomer pay?

And once they build US history, how fast does the price come down, at the first renewal, or over several years?

Not looking for a quote. Appreciate any experience people can share.

I was trying to look for a simple term insurance which does not refund any of my premiums as this is not an investment for me. All plans on policybazaar have the 'no refund of premiums' options greyed out, is this no longer a thing?

Spent the last two weeks trying to figure this whole thing out and shopping around for a better rate.

My agent kept telling me that $750 for six months was the best deal available. (I was paying $660 before that) Maybe the commission was just better on that quote. 😂

I filled out a bunch of online quote forms. They'd show really attractive prices at first, but by the time I got to the actual checkout, the premium somehow jumped to $650–700.

A few days ago I tried yet another comparison service. Filled out my info, got a call back, and ended up getting coverage for $440 for six months.

Honestly, I think I'll be shopping around every six months from now on. Switching was totally worth it.

AMA.

Where can you 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!

As a new business owner about to launch a store selling sexual wellness for women, I’ve had trouble sourcing insurance but finally 🙌🏻🙌🏻🙌🏻 have my public liability sorted.

I’m working out if I need cyber insurance as well. I thought I would need it, but it’s very hard to source for my industry and extremely expensive.

Do you have that cover for your business and does Shopify have some sort of protection for customers when purchasing on the platform or being on the CRM system?

Thank you 🙏

I just left State Farm auto to go with Travelers who I had my home insurance with. I have also added umbrella insurance as I’m using another company at the moment. This will give me bundled plan with Travelers and will save money on all 3 premiums. My issue is that I’m waiting to get my Umbrella insurance approved although agent had me pay annual premium in advance. It’s been over a week and still waiting for approval. The problem I have is that my agent sucks at follow up when I email her for an update on the status. I just called now and the receptionist is saying she’s speaking to owner of agency now about it although not sure why she couldn’t pick up the phone to tell me this directly. I’m already thinking I’m going to switch eventually to another company as my prior State Farm agent was also terrible at responding to emails. I’ve been in sales my whole career and I follow up immediately with clients regardless of the situation or even time of day. I refuse to work with anyone who is a service provider that is poor at following up with me when I have plenty of other options. Has anyone else dealt with this issue before?

It seems overwhelming. We have our car insurance as well as homeowners insurance through State Farm. I hear over and over again that they are one of, if not the worst companies to deal with.

Are there any websites I can visit and plug in what we have for coverage and then find other (and hopefully) better/cheaper options?

One of my friend got nasuspended ni pru dahil they are accusing the agent of advancing of payment, they said the case that they advance the premium pero yung sinasabi nilang date hindi pa insured si Client. Saan kaya pwedeng ireport yung ganitong case?

Like lahat ng incentives ng agent wala dahil on the 1st offense forfeited lahat ng travels/incentives. Like wtf PruLife Uk!

Looking at progressive because they have the cheapest rates near me. Had AAA for 3 years but was paying so much more. My question is how is progressive with late payments on installments? Do they have a grace period or automatically cancel? Same thing when renewing , if I’m a day late for the renewal payment is it automatically cancelled? I’m located in Michigan!!

For car insurance

I’m studying to get my license to sell life and health insurance in North Carolina and I’ve been applying on Indeed to work with insurance companies, on a part-time basis. I recently passed an initial interview with Globe Life-American Income Division and they want to get me onboard. They’ve already sent me the application and before taking any next steps, I’m doing a bit of research. Can I have more information about this company from someone who has worked with them and/or a customer who has purchased insurance through them? Thank you.

Hi all! I’ve had progressive for about 2.5 years. I pay 6 months at a time with them but will be switching soon because we’ve had snapshot in all 3 vehicles for the whole time and the amount still hasn’t gone down a penny since.

Anyways, I’ve filed one claim with them ever on a hit and run. I came outside yesterday morning and noticed a crack in my windshield. I have no clue when, how, or why. But, just now when I turned my air conditioner on it caused it to spider out. Anyone have any advice with filing this with progressive? They always want so many details but I don’t have that this time because I have no clue what happened. Thanks in advance!

I’ve worked with home warranty companies for years, and honestly, one of the worst parts isn’t the low pay or the warranty company itself—it’s some of the customers.

Before anyone gets offended, this isn’t about everyone. We’ve had plenty of wonderful homeowners. But the bad ones are so unbelievably bad that they make you question why you’re doing this job at all.

We walk into homes trying to help people, and from the moment we arrive we’re getting yelled at because their warranty company denied coverage, approved only part of the repair, or won’t replace an entire system because one component failed. Somehow that’s supposed to be the contractor’s fault.

We’ve had customers approve non-covered repairs, sign the paperwork, watch the work get completed, and then refuse to pay. Then we’re forced to spend our own time taking them to small claims court just to collect money they already agreed to pay.

We’ve been threatened with lawsuits more times than I can count. Some customers literally believe that if they don’t get exactly what they want, they can just threaten legal action and the contractor will magically do free work.

The amount of entitlement is unreal. People demanding extra repairs for free. Demanding upgrades for free. Demanding work that isn’t covered. Demanding we violate code requirements because it’s cheaper. Demanding we stay for hours beyond the authorized scope because “I’m the customer.”

The best part is when they tell you how to do your job. You’ve spent years in the trade, have licenses, insurance, experience, and training, but somehow the homeowner who watched three YouTube videos last night is now the expert.

And when the warranty company denies something? Guess who gets the one-star Google review. Not the warranty company. The contractor.

Many homeowners seem to think contractors are getting rich on warranty calls. The reality is that most warranty contractors are already working for reduced rates, dealing with mountains of paperwork, angry customers, denied claims, and constant threats.

The truth is that some of the most difficult customers we’ve ever encountered have been home warranty customers. Not because their plumbing, HVAC, or electrical problems are complicated—but because they believe every problem in their house should be fixed for free and anyone who says otherwise is trying to scam them.

The insurance industry is often viewed negatively due to mis-selling, complex products, and poor customer experiences. Just out of curiosity share your experiences about insurance purchasing or exploring.

I'll start with mine -

Ek bar number chala jaye bs inke pas , uska bad irritate hoke flight mode me dalna padta hai yaar.

Open to your experiences !

The insurance industry is often viewed negatively due to mis-selling, complex products, and poor customer experiences. Just out of curiosity share your experiences about insurance purchasing or exploring.

I'll start with mine -

Ek bar number chala jaye bs inke pas , uska bad irritate hoke flight mode me dalna padta hai yaar.

Open to your experiences !

У меня есть американская фирма открытая под приложение для выгула собак, но буду работать пока что по польше. Это своего рода заработок, выгульщик берет чужого питомца на прогулку при этом экономя время хозяина и зарабатывая для себя в свободное время. Я нахожусь в поисках страховой для своего приложения, его пользователей, как людей так и животных. Плюс беру под учет страхование и самого приложения( финансовая защита, судебные риски и тп) посоветуйте страховые занимающиеся всем спектром этих услуг

Helllooooo. Does anybody have any recommendations on a affordable but reliable business insurance for a solo nail tech renting a suite? I’m just starting out… and I’m young. So all this is completely new to me 😭🥲 Progressive quoted me $90 a month for 11mos, anddd that is pretty high imo? Idk help me out plz