Long story short, we have never had issues with people buying and selling in our 6 unit condo building in Chicago until today. We accepted an offer and the lender reached out stating we needed **replacement cost coverage** in order to move forward, this is due to Fannie and Freddie guidelines as of June 2024. We have never changed our master policy provider and our bylaws specifically state that we must have **replacement cost coverage.** I have looked over our policy and it does not state either Cash value or replacement, just the limit on coverage with a \*attached for the inflation rider. Agent we reached out to has been non-responsive. Anyone else run into this?

Couple of questions if I may... I recently used Goosehead to get home and car insurance. They said that AMWINS would be best for homeowners insurance. Has anyone heard of AMWINS? Are they any good? Anyone had any claims with them? Also, I just received a notice of a rescind of cancel notification from both of them. I never received notice of cancellation and that is concerning to me. They stated that the original reason was "underwriting". It does state that there was no laps in coverage. I will call them later today but I was wondering if anyone could shed some light on this as to what happened. I live in DFW and the house is paid off if that means anything.

My dog is 7, I've had her on Nationwide's comprehensive plan since she was 6 months old (they reimburse 90% for anything performed or prescribed by a vet after hitting $250 deductible), and of course I've heard the stories about older-ish pets on these old plans getting dropped without warning. I'm trying to prepare for us getting dropped, I'm just still very undecided as to our next best option. She has a history of bilateral ccl tears and we did tplo's on both legs. She will probably have arthritis because of this plus any potential hardware removal necessary (no problems so far, I just know it's a possibility). Besides that, she (knocking on all the wood) hasn't been diagnosed with any chronic conditions. I've been looking at AKC since they cover pre-existing after 365 days, and I want to get her signed up fairly quickly so we can start the clock on 365 days, plus I think I read that they don't take dogs on that plan 9yo and up. But even AKC's plan lacks a lot of the preventative coverage I have now, even with the add ons which do increase the premium quite a bit. I know i always have the option of putting my would-be premium into a hysa every month and just paying for everything myself. I'm just so scared of getting hit with bills that will outpace my savings. Has anyone else been in this situation and found a good alternative? I know I've been a little spoiled with nationwide, but I did sign her up early thinking I would have her covered for life. Thanks in advance!

I have recently had a 117% premium increase from Embrace. One of their justifications was the state I lived in, CA. I’m curious what other states have had such egregious increases ( regardless of company).

I’m looking for advice on how to get Budget Car Rental to refund me $1050 that they wrongfully charged me for “loss of use,” even though my insurance fully settled the claim. Timeline & Issue: • Sept 22 – I was in an accident with a Budget rental. • Oct 17 – Budget charged me $1050 on my personal credit card for “loss of use.” • Feb (First Week) – My insurance fully settled the claim, and I have a signed release letter from Budget’s claims department confirming everything is paid for. • Now (March) – Despite multiple follow-ups, Budget still hasn’t refunded my money. What I’ve Done So Far: 1. Emailed Budget—Sent a detailed request with the signed release letter proving all charges were covered by insurance. 2. Called Customer Service Twice—Each time, they escalated it to the billing department and told me to wait 5–7 business days. 3. No Refund, No Response—Every time I follow up, I get ghosted or asked to wait again. Why This Matters: I am a student, and $1050 is a huge amount for me to have tied up for months. Budget has been unresponsive, and I don’t know what to do next. What Are My Options? • Has anyone faced a similar issue and successfully gotten a refund? • Should I escalate this via a chargeback, BBB complaint, small claims court, or another method? • Any suggestions on getting Budget’s attention and making them act faster?

nybody here have mediCal? (Govt free medical insruance in the usa for ppl under age 65 and unemployed or flat out broke). My uncle generously cash paid for my mcas doctor. I have a script for cromolyn sulfate, can I use the script at the pharmacy and will medi-cal pay for the meds? Usually people with California state Medi-cal for those under 65 are unemployed or too sick to work but not yet documented and broke like me, so qualify for medi-cal, but those doctors are the worst and most incompetent. My uncle paid a mcas doctor to see me, abd I got a script for cromolyn sulfate. Usually medi-cal will pay for my meds even if i saw a cash pay doctor. Or is it a situation whereby I need to prove that I used lower level meds and they didbt work before I get approved from cromolyn sulfate? Remember I tried to get triamcinolone cream under private insruance (blue cross blue shield), but they said i had to trial lower level creams and then fail those 2x first. Making me waste life energy and jump thru hoops so insurance company can save 20$.

Received my 6-month renewal notice for Progressive and suprise (:smile:) a 20% increase. Problem is I use Snapshot, have 4/5 average, which I thought yields an additional discount, not an increase. I called. Progressive claims rates go up/down all the time and can not give me specific reason for this increase. My 4/5 average Snapshot is already included in new rate. Is this practice common, follow *their* Snapshot rules - get increase ??

Hey so I buy my own medical, dental, and vision insurance from Anthem rather than going through my employer. For the 2nd time, Anthem has decided to drop my medical coverage without telling me. The last time this happened, I had to get on the phone for 1 1/2 hours with them and they still couldn't identify why they dropped it. Instead they gave me some bullshit reason - "our records say you already had an active plan so we dropped this one". I don't have any other active plans. I'm 100% sure of this. I had to go through the re-application process again in December and purchase new medical coverage. Fortunately, I'm young and healthy so this isn't hard to do but it's deeply frustrating and I had to push my yearly physical forward because of it. Fast forward to now (April), I log into the Anthem portal and I see medical coverage is dropped again as of March 1st. Vision and Dental are still active but Medical is inactive. I tried calling them today (Sunday) but of course they only work M-F 8am - 5pm. The frontline phone operators are useless. ChatGPT does a better job than them. Has anyone else had this experience? What was the resolution? What can I do to prevent this moving forward?

I have State Farm and pay about $750 monthly for my several cars and teenager. Every carrier I quoted with (the major ones that everyone knows) All wanted $1,100 or more per month for exact same coverage. These people are crazy!!! The $750 I think is already too high. 3 cars, 1 truck, 2 adults and a teen. No accidents, tickets, or claims for anyone, ever. Going to try a local broker tomorrow. Maybe they can help. Are other people seeing the same crazy differences when getting a quote? Any good experiences using a broker and anything I should watch out for? Never used an independent broker.

I recently lost all my belongings due to mold in my house that I lived in July 2023-February 2025. I got insurance starting August 2024. I became very ill and moved in with family Dec 2024, returned to the room in Feb 2025 to find it covered in mold after a bad storm. I was not aware that the mold was causing my illness or that there was even mold in my home until Feb 2025. It’s looking like an almost complete loss of my belongings. My insurance company manipulated me into stating that the date of loss was Feb 2024, when I made a maintenance request to fix a leaky window. I didn’t understand the implications of this and the agent was kind of pushing me to agree that Feb 2024 was the “date of loss” and not Feb 2025, because that was the first documentation I had of a moisture issue in the house. The next day she tells me it’s unlikely I can recover any claim money because I got insurance in August 2024, and the loss happened before that date. Can anyone help? Id like to make an appeal if my claim is rejected but I’d like to know how I can defend myself here.