My dog just turned 8 and her insurance with pets best doubled. Where im at financially is not great, im just able to get by with my exisiting bills, part of why i have pet in isurance, for the chance something terrible happens like a broken tooth or torn tendon or whatever may happen. Shes healthy. Has allergies but theyre not on her med record as far as i know. I just am trying ti debate if i should set the money aside each month for an emergency fund for her, rather than pay the insurance fee. My fear is something qill happen before i have a good savings, though i usually try to have $1000 emegency money for pet or car stuff, im not quite there yet atm. I have decent credit so if something happe ef im sure i can do a payment plan of some sort. Idk im just wondering if its worth it anymore at the price theyre expecting. My 3 yo dog is clumsy as hell so im keeping his insurance. I just know theres going to be a day he falls the wrong way and tears a tendon or something hahaha! Any advice is really welcome, im just so broke these days and i really want to find the best option that ensures my pup can get the treatment she may need in an emergency.

Hello! I have a 4 year old dog and I am looking to change my policy from healthy paws. I think they're great but I hate that I have to pay for yearly vaccinations/checkups and dont get re imbursed. Any recommendations for a good insurance that has a low deductible and will reimburse annual exams which include vaccinations, possible dental care and flea meds? Thanks in advance!

In my naïve early 20s (single and no kids) I bought into a NWM adjustable CompLife policy. Then expanded coverage a few years later at the advise of my “advisor”. I haven’t thought much about it until now, when my new husband and I were looking at our cash flow. I’m now feeling that I need to stop my donations to NWM and be smarter with my investments. I’m not maxing out other retirement options (ROTH, 401), and I feel that would better serve our future. Here’s what I’ve got going on: CompLife policy #1 Started: 09/2016 Annualized premium: $1242.72 (Monthly premium: $103.5) Payments since sept 2016: $102 Total paid: $10,557 Net accumulated value: $7,244 CompLife policy #2 Started: 06/2019 Annualized premium: $1799.40 (Monthly premium: 149.95) Payments since June 2019: 69 Total paid: $10,346 Net accumulated value: $7,068 Total benefit: $500,000 Should I cash this out? Roll it into something else? I don’t feel like NWM has my best interests at heart and I don’t want to be throwing money at an inefficient scheme. TIA

We live in a townhome in Florida with an HOA. For context, we do have an HO3 policy. After Hurricane Milton, we sustained damage to the roof of our unit, which caused leakage into our garage. We notified the HOA after seeing the damage, and we were advised that when there is a “named storm”, the individual owners are responsible for paying for roof repairs. The HOA coordinated repair with the company that services our roofs, and we were advised we could pay out of pocket or file a claim with our own individual insurance company. The amount is $2000, but our hurricane deductible is much larger, so we will elect to pay out of pocket IF it’s accurate that HOA is off the hook. We have a copy of our bylaws but cannot see where we are responsible for this repair. All other times where there have been roof leaks, the HOA covers repairs. We asked the board members to point to where in our bylaws that it states we are responsible, but they refuse to answer. Does anyone have any insight? I will also post this to the HOA sub. Thank you!

I reached out to my State Farm rep about why my homeowners insurance went up 30% this year and he said “that’s just what they’ve been seeing lately” and offered to decrease my Coverage A and Increase my Dwelling coverage to bring down the premium. The total replacement cost covered would remain the same. He was selling this as effectively being identical if we would be rebuilding in case of a disaster, but something doesn’t pass the smell test. Has anyone else opted to do something similar? He was unable to articulate why State Farm would do this if the coverage was the same. He only Personal coverage would decline as a percentage of coverage A. Is there anything else I’m missing or anything else I should ask?

Do agents typically approach you? I was approached by a woman with a tablet telling me about insurance plans and claiming she was from ACA. She asked me if I wanted to apply to see if I were eligible and told me that I could cancel at any tome should I enroll in it. Turns out I was eligible for a basic plan that I pay 0 dollars for. So I am a bit skeptical about the whole thing. I have a screenshot about a confirmation on an onboard app. It has a Premier Secure number to cancel. I’m 90% my dumbass got scammed or something. I’ve done an enrollment with a Blue Cross Blue Shield insurance in a similar manner but I canceled that one because the mandatory doctor was an hour away.

Question, we filed a claim on our house in 2023 due to damage from a wind storm. There was damage to the siding on one side. It was repaired but the siding didn't match and my state has a matching clause. Progressive paid a supplement amount to have the whole house sided based on an estimate from our contractor and then told us basically that's it, we are done you don't have to show proof of repair like we are done. The contractor we had then said that wasn't enough to cover what he needed to complete the job, so we paid him for the repairs he completed and made sure everything was good, we then utilized the balance of the left over insurance to make some updates/ repairs to our property since the amount wasn't enough to finish the full siding of our house. Fast forward to a month ago we had a major hailstorm and it obliterated our siding, roof, gutters, etc and progressive is saying they will not replace the siding again since they paid out a claim previously to do a full siding. Are they able to do that? I can't find anything in my insurance contract that says we had to utilize that money for repairs ok that specific item and the repairs to the siding were done they just didn't match our siding completely.

My girl will be 8 in October. Premium went up last month but nothing too crazy yet. She has a very slight heart murmur that’s not affecting her (yet) and hip dysplasia, so I’m very concerned that if I switch those won’t be covered since they’re pre existing. But it sounds like Healthy Paws will be too expensive in a couple years anyway. Does anyone know of any insurance that does cover pre existing conditions?? (That’s probably a stupid question.) Should I switch now before something else comes up?? If so, what other insurances are good?

We recently got hit with a $300 rate increase on our 6-month Geico auto policy just because we updated our odometer. Here’s the timeline: - We bought a used 2022 Chevy Bolt EUV in August 2024. At the time, the odometer read ~30,500 miles. - In January 2025, we started a new auto policy with Geico. - Now, in June 2025, we updated the odometer to 36,500 miles through their system. - After this update, Geico increased our premium significantly. I called a Geico agent, who told me the system assumes 36.5k miles over the entire life of the car, starting from the car’s model year (Chevy Bolt EUV 2022). Since it’s about 3.5 years old, Geico calculates our annual mileage as ~10,400 miles/year, even though we’ve only driven about 6,000 miles in the 10 months we've owned it. She also said that California law prohibits them from adjusting the previous odometer data, even if we can prove when we bought the car and how much we’ve actually driven. That part sounded the most questionable to me, but I’m not sure, which is why I’m here for some advice. I’m not trying to cheat the system, we just want our actual usage reflected accurately. I can provide documentation of the purchase date and odometer at the time (from the bill of sale or DMV forms), but I’m not even sure that can help since the Geico agent said there’s nothing they can do to adjust the previous odometer. My questions: 1. Is it true that California law doesn’t allow insurers to adjust for actual usage if it wasn’t reported at the start? 2. Has anyone successfully appealed something like this with Geico? 3. Should I just start shopping around now for another insurer that works better for low-mileage drivers? Appreciate any insight or advice. This feels really unfair and arbitrary, especially since we were trying to be honest and accurate with our info.

Hey guys I'm with fetch pet insurance Australia due to the fact because they advertised they would pay directly to my vet and I would only have to pay the excess to fetch.. it’s called direct to vet Well I'm learning now no vets are set up with them at all most vets aren't wanting to hand over there vet details so the vet can pay them directly I feel like they are scamming there customers If anyone is with them how do you guys do it?