CA folks — need some insurance wisdom. New home in contract → current home becomes secondary. 2 autos + want an umbrella policy. Been with GEICO forever but they keep hiking rates. What’s the smartest way to shop & compare bundled quotes for all of this in California’s nightmare insurance market? Any go-to brokers or tools you recommend?

Hi! Thought id share my experience with my cat! He is 4yr - i have had Trupanion since i adopted him a year+ ago. He had no pre-existing conditions. I specifically asked agent of dental was covered and they said yes. He has been to the vet a couple times - first time visit, ear infection, worms from new kitten we got, etc. The vet has briefly checked his teeth previously and said a little tartar but overall healthy gums. Friend got a new cat so was asking about my policy - reading the “fine print” is that dental doesn’t kick in until first post-insurance dental/oral examination. I immediately emailed and asked that his dental coverage has kicked in - they said no because they have no notes from vet. I said she probably didn’t note because there was nothing of note…asked if i got her to confirm they could put into effect retroactively. They said yes. Vet sent over full records to them - vet “briefly” checked mouth with said assessment on 12/11/24. They said it will take a couple days to process but will get back to me. Still waiting and can update but wanted to just flag!!! I also checked because he may have some mouth issues that i flagged to vet a couple weeks ago (still undetermined) but glad i did because i could see their potential denial saying “he didn’t have an oral exam prior blah blah blah.” Anyway TLDR - check the fine print!! They are so sneaky and if they fight me on this i will probably cancel.

Is it even legal for Healthy Paws pet insurance to increase premiums at almost 200% in CA? This is outrageously high!! Anyone experiencing the same? #healthypawspetinsurance

Townhouse covered by condo insurance. Pipe in the ground(HOA property) breaks, excavation needed to determine the cause and replace the pipe. Insurance denied repairing the pipe due to wear and tear which is understandable,, but shouldn't they pay the excavation which was needed to determine the cause? There was other damage that was covered. Montana condo policy. Back up water/sewer damage coverage on the HOA policy.

Hello, Considering a agree value policy for a 2004 Lexus LS via Hagerty. While I was able to get a quote and even approval online with Hagerty, before paying I wanted to talk to them. The wait times were pretty long. Is it a bad idea to deal with them when there is no local agent? Now, those who have agreed value collector car policy with Hagerty, did you do it all online? Or did you go with a local agent if there are local agents for Hagerty? thanks.

I’m in New York State, I had GEICO and I made a payment on the due date(yesterday) but noticed they didn’t want the full payment amount that I normally pay but a smaller payment(I assumed for a new car that I added on). Long story short, I gave them a call and they cancelled my policy because they said they sent a letter regarding a rate change, which I haven’t received. I live in a rural area and we have to physically pick up the mail from the post office, it looks like the mail was returned to the GEICO. They put in request to underwriting to see if they’ll reinstate the policy. What are the chances they do? Do they normally reinstate policies? Policy lapsed for only 1 day.

My mom was checking her and dad's bank statements and for some reason they're being charged by First Enroll but mom says that that isn't the insurance company they use. Any clue why this would be happening? Is some type of scam or fraud? Just so you know, I know almost nothing about how insurance works so sorry if I seem stupid.

I was involved in a motor vehicle accident where I hit two other vehicles at an intersection. I live in an “At fault” state and both of the other drivers told the Peace officer that I ran the red light. The officer gave me a citation for running a red light which I will be contesting in court. I gave the officer my proof of insurance card which was expired. Here’s where it gets interesting. The next day I contacted State Farm. State Farm told me that my insurance policy was canceled more than six months ago due to lack of payment. MY HEART SUNK. I canceled my credit card which was on an automatic payment cycle with them. They denied the claim as to be expected. However, I have insurance through Progressive on a secondary car that I literally NEVER DRIVE. But I have full liability coverage through them on a secondary car. My question. Will progressive cover the cost of the accident even if the truck was not on the policy? Will the other insurance companies go after progressive? Would progressive rather cover the cost upfront rather than go into litigation?

State farm sent me a letter saying they weren’t going to renew my policy due to my dad’s driving record, mentioned said claims and one accident that he was in and that I had to switch by April. My parents and I have different agents and I have my own policy but I think our policies are tied together somehow? Anyway, I asked my mom if they had finally switched and she said no, that their agent didn’t see such claims on their end and were able to remain with State Farm. My parents never used the roadside assistance that State Farm claimed in the nonrenewal letter so what the hell.Has anyone been in a similar situation? I’ve already switched insurance but I’m curious to talk to my agent to know why there’s inconsistency.

Location: Florida So I'm frustrated with Progressive because they identified a person who was staying in my home temporarily and added them to my policy. This person has never driving or touched either of the cars on my policy. They supposedly sent out a mail notice, which I could not find physically or even in my email, where I'm signed up for Informed Delivery and would be able to see any envelope that said it's from Progressive. I looked through my email to see the notices dated months ago stating the persons name and that if I do not contact Progresive by January 16 that they would add them to my policy. I looked though the details of my policy today and that's when I found that they are listed as a driver. So I've been paying for this person to be on my insurance for the past three months. I have to wait until Monday to speak with underwriting to figure out what happened and what to do. My question is whether this practice is even legal in the state of Florida. From what I've seen, a lack of response of a notice does not indicate consent. My explicit consent was not obtained to make changes to my policy. I have not even talked to or seen the person added for months before the changes were completed.