Hello. Hoping someone can provide some advice on my next steps. The short version: I bought my house in 2016, at that time State Farm determined my house to be 5000 sq ft., it’s actually 2500 sq ft. Due to them thinking my house was twice the size my annual premiums were higher than they should be. This all came to light this week. My 2025 premium is now $600 less than originally charged. My agent is aware and admitted the mistake but has also told me there’s nothing they can do to recalculate the historical values of my house with the correct square footage. Do I have any recourse to get refunded for the past years I’ve paid the incorrect amount?

So, in December my son took one of our cars from Florida to Virginia for university. VA required limits are much higher than in FL and changing the limits, plus garaging the car in VA, raised our Progressive policy to almost 3 times it's cost. Instead, it was suggested by the insurer we get a different policy for the car in VA. And we did so, through Geico. Now we have 1 policy in VA for my son and I and 1 car. One policy in FL for my son and I and the other car. Today, I received a notice from the state of FL that they are going to cancel my registration because the Cadillac (car in VA under Geico policy) doesn't have insurance, according to their records). Sigh. Will FL accept the VA policy? I can't really register the car in VA since I don't live there and the car is in my name. And both the kid and I have FL licenses because he is a student, so his residence is still FL. Is the only solution to pay 3 times the amount?

I am due to give birth end of May. The hospital that my obgyn is partnered/contracted with is where I went on 03/01 because I had a pregnancy scare. I went straight to Labor & Delivery and was there for a couple of hours. The on-call obgyn is the one that saw me. I have NOT received a bill yet, only an EOB from my primary insurance, stating that the claim was denied. In the EOB- it was stating that the hospital is an out of network facility. However, I’ve spoken to my insurance directly few different times who said the hospital that I went to indeed is an IN-NETWORK facility. Now the last agent I’ve spoken to today told me “address where the service was rendered is confirmed to be outside the network for the facility. Here is what adoress of the facility showing on the claim” and it’s a complete different address than the hospital I went to, like in a whole different state. The first agent that I spoke a couple weeks ago stated the claim type says “outpatient hospital non contracting”. The last time I tried contacting the hospital themselves, the agent was saying I need a bill/statement account number, which I didn’t and still don’t have because I was never sent a bill as of today and he said to wait until I get a bill. It’s been over a month and I still haven’t received a bill from the hospital from when I went to 03/01. I was going to explain my situation and how I still haven’t received a bill but the billing office is now closed. I do have secondary insurance but they didn’t even receive a claim from hospital, which I am assuming they didn’t even bill my secondary. I’m just so confused and overwhelmed! Does this sound like the hospital submitted the claim incorrectly?

I was hoping someone might have some insight on pet insurance. I have a 2 yo pit bull who, in the last year, started limping. (At this point, we did not have pet insurance) In May of this year, we took him to our vet and they did X-rays and said most likely he has a partial tear in his ACL, however he couldn’t really tell in the X-ray because he wouldn’t stop wiggling for the pictures lol. Fast forward 6 months, he has a hard time getting around now on both legs because he’s over compensating with the other leg which I was told would more than likely happen. I plan to get the surgery for him asap. We got Pets best insurance a month later after his appointment in May and we are just about at the “6-month waiting period.” I’ve never dealt with pet insurance before. I am familiar with the fact they don’t cover “pre-existing conditions.” I fear that when we go back in January for a new consult that the insurance isn’t going to cover his surgery because we stupidly took him to the vet prior to getting insurance. I guess my question is, has anyone dealt with pets best insurance for this type of situation? How were they? Also, would anyone recommend a different insurance company? I know there are a select few that cover pre existing conditions. I feel like I totally screwed myself taking him to the vet for this before getting insurance. He’s only two and I refuse to let him suffer his whole life because of this. Thanks for any advice in advance. Picture for attention ❤️

My car is being considered Totaled based on the accident photos. To determine the value of the car the adjuster is asking me to take pictures of the inside of the car only. I requested for them to send someone over to look at the car in person, and they say they don't send appraisers to look at cars, that they only base it on the pictures. They said that if I wanted to get the car repaired that I can, but they would consider it as "Salvaged" and there's a process for that. They would send me a salvaged title, etc. Wouldn't they assess it lower based on inside images only? What about the rest of the car, they don't care about it? What can I do about this. I have also let them know I paid for my registration, bought some new lights, tires, etc. recently, and they asked for the receipt of these items, which I will send but how can I know that I'm not being offered really low? What makes me the most concerned is that I had a body shop come see the car and they tell me that they consider the car's value much higher than the repair. This is why I wish they could bring someone over instead. The car aside the accident part, is in great shape, why can't they be fair and bring someone to do this properly? This is being done by the other driver's insurance.

Any tips on companies offering good pricing? Progressive is charging me $250 monthly - zero accident history or violations in 7 years - 29 year old male, 2016 Camry )

I currently have an auto policy with only my teenage daughter (17F) after removing my STBX from the policy, but I feel like the premium for my car is higher than it should be and I'm wondering if there are any ways to reduce the premium. I am a 40M with a very clean driving record, my daughter had a claim last October where she hit a fire hydrant and the repair was \~$10k or so (no meaningful property damage to the hydrant). I drive a 2021 Tesla Model 3 and she drives a 2017 Audi A4 that her grandmother gave her. Total monthly premium with GEICO is $548 for my car and $366 for her car. I believe the average Model 3 insurance rate in Colorado should be closer to $300/month and I'm just trying to think of ways to lower my premium. Is it possible to separate policies and save money if I make it so that she can't drive my car and doesn't need to be insured for that? Any advice or ideas are greatly appreciated!

Insurance company sent an inspector. Contractor said roof is in amazing condition but there's always a but, since the roof is over wooden shakers it has to be replaced!!!! My agent is a total pain, she just says get it done, sure no problem because I have dam neat $16,000 to do this.🥺

So I’m (M22) new to all this Pet Insurance jazz. I just recently moved to my own apartment from my mom’s house, so I moved my cats pet insurance to my new address just so it’s easier and have a sense of independence. When I called MetLife to switch my address, the representative said NOTHING until the very end about me having to pay my deductible AGAIN and I would also be charged ANOTHER payment for my cat’s insurance as it would be getting restarted. I just wanna know if this is true or if I gotta make a phone call?

Hello, So Just to give some background my Experian score is 667 and I'm looking for a Heloc or Home Equity loan of about 35k. I make about 60k a year. In 2020 I had 2 late mortgage payments due to covid before I found out about the mortgage forbearance which I then signed up for, however the mortgage forbearance now shows up as ND on my credit report. I tried a local credit union who denied me based on the late payments. I am currently working with AmeriSave but they are saying that the ND on my credit report have to be explained. I contacted my current mortgage lender to request documents for that but I don't know how long that will take. Any advice on what else I can do in this situation?