Was hoping to get some insight before I call my agent. My $1 Million umbrella policy with State Farm has really gone up this past few years from $300 to over $1500 per year. So I started looking at it and saw the following: Automobile Liability: $500,000 Recreational Motor Vehicle Liability: $500,000 Personal Residential Liablility: $100,000 Watercraft Liability: $100,000 I don't know what a Recreational Motor Vehicle is. I have 2 cars used for commuting around town. I don't have an RV or Jeep for off-roading. So what good is that doing me? I don't have a watercraft. I consider watercraft to be a money pit and I'll never own one. I'm in Florida near the water, so maybe it's assumed I have a watercraft? I don't know. I feel like I'm paying for a bunch of insurance I don't need. Any advice would be appreciated.

Does anyone have experience with this company? I don’t expect any claims but how are they in this area? I’ve had Foremost for several years but this renewal they screwed me with 3x increase. No claims. I’m in SoCal. Apparently another broker couldn’t find me a quote and my current broker has ignored several of my inquiries for options. I understand it’s tough to get affordable fire insurance in Cali. Arghhhh

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?

Not sure if this is allowed, but here goes: My employer retirement $ is with Empower, and 100% of it in a **T Rowe Price 2025** fund. I'll only be working for them for 5 years tops, and this $ will not be a big factor in retirement. This TRP 2025 has done great, barely lost anything at all. *Most* of our $ is with Ed Jones, and one of the funds they have me in is **TRP Large Cap Growth** fund. This fund is not doing as well as the 2025. It may be important to know that I am not contributing anything new to Ed Jones, this $ is growing / declining as funds do. They have me in a ratio of growth / stability appropriate for my age (62, want to retire at 65). I asked the Ed Jones, guy, "The TRP 2025 is doing great, the Large Cap Growth is not doing as well, is there a compelling reason to NOT to move from the Large Cap and into the 2025?" Ed Jones guy answers with "The market goes up and down, don't watch the news so much, we're re-investing dividends and buying low. Dips happen and then we recover..." or words to that effect. ***It's like he didn't answer my question, I know the market goes up / down, I'm not saying "sell everything" in a panic. SO, is he just dodging my question for some reason? Are there valid reasons to NOT switch from one TRP fund to another?***

I have Aetna with acupuncture coverage. I had seen a provider 6 times, 3 times in 2023 and 3 times in 2024. All of the visits were coded CPT Code 97811 and CPT Code 97810. In 2024, I saw the provider in January, June, and July. For some reason, the visit in June was denied and Aetna said it was experimental. But the provider billed using the exact same code as before and after June 2024. All other claims had been paid. I'm at a stage of appealing this decision. But I'm wondering if anyone has any insights into why a claim would randomly be deemed experimental when it was paid as normal otherwise?

So I got hired onto State Farm in the Aspirant Program since I already have experience selling life insurance. It all sounded great when they were hiring me. But….. I am a week into this and I am getting zero direction and am told to just look into the book and see if there is any way to resell life insurance to any clients already with life insurance. Does anyone have any experience in this program. Because as of now I am a little confused on what this program actually is. It seems more like I got hired to be a sales guy for the agent instead of actually striving to be an agent.

I’m moving out of NY to another state soon for my masters and the school requires that I either have full coverage health insurance or I purchase theirs which is $4,500+. Is there any health insurance plan either in NY or nationally that I can enroll in which would allow me to be seen for any medical purpose out of my home state? My current insurance is health first but it is an HMO which only allows me to be seen at UC/ED for emergent purposes only. The school requires non-emergent purpose insurance as well.

Me and my girlfriend purchased a 2020 Rav 4 like a week or so before Christmas. We got GAP insurance and got Progressive insurance that next day or so. She and 2 others drivers were hit by an 18 wheeler less then a month later back in January while they were parked at stop light. The 18wheeler driver was in the CDL drivers ed program at a local community college and didn’t swing wide enough and ended up dragging our RAV4 and 2 other cars. And of course we got the worse of the damages and ended up getting totaled. We put $3K down as a down payment and paid the 1st car note like a week early. After several weeks of back and forth and getting police report correcting and etc, we are stuck without a car now. Progressive paid out enough to pay off the car and had like $380 leftover for us. Our adjustor said they didn’t need to use GAP or it wouldn’t help. Is that correct? Cause even after we can the deductible and rental reimbursements back, it’s still not enough compared to what we put in. And all that has to go into subjugation. And then he said all that won’t be processed till and medical/bodily harm stuff is settled and they will do all of it at once. I guess we are just still shocked and disappointed cause basically got screwed by an unfortunate event. But I just knew the GAP would get us back in something else. Any suggestions or corrections?

So from just looking on here it seems that this happens often. I got my vehicle yesterday afternoon after them having my car for a lil over a month. I didn’t look at my car much yesterday. This afternoon I went outside and was looking at the stuff on there bill of said repairs for the insurance company. A couple small things look fixed but most stuff looks the same as before as in not touched. The thing is what do I do now? I also had just called said place and the person was busy and in telling the person on the phone if they just ripped insurance company’s off he was dead silent.

Hi all, I keep running into an issue where my auto insurance is OK then it goes up eventually which makes me want to look around. This past year I've been on a mission to reduce my expenses as much as possible. I cut a lot and the auto is a pain because I lock in a price then when I get it all set up it goes up eventually later. I got advertised a commercial about a site that offers "wholesale" insurance prices that apparently is cheaper because no middle man. I didn't recognize the site so to me it seemed weird so I avoided. I looked for a local broker in my city but they only rep a few companies, one I gave my info to like vin and they never sent me a quote or anything but I got an email that showed they were looking for rates on the carrier sites. That company appears to be out of business now, my city doesn't have many options with local people that can compare rates. Is my best bet to call bigger places individually like geico etc and just change companies each year when the premi