Just a little PSA for people who weren't aware, when you move you may lose access to your old policy. I've had my policy for 2 years and in that time one of my cats turned 15. because I'm moving, they are charging me a deductible again and also won't cover my cat on the same plan anymore due to age. I'm going from 80% coverage on an unlimited amount to a cap of $2,500. in a HCOL area. I'm obviously devastated but just wanted to share. might have chosen a different place to live if I'd known how screwed I would be.

I knew this was coming from seeing it happen to others but I got my policy renewal notice and our annual cost went from $347 to $505. I know this is far from the worst increase but it is still annoying. He hasn’t had a claim since 2023 and is only 4 years old. Is there anything I can do or say to them that might get this lowered a bit? I worry what his premium will look like a few years from now if they continue with increases at this level. I also am bringing home a puppy next month and have been going back and forth about insuring them through PetsBest or trying something new like AKC or Trupanion. Any thoughts on that?

I am purchasing a lakefront second home that I will use primarily as a short term rental in PA (and will use about 10% of the time personally and the home will be in my name). The sellers are transferring to me a low-power electric pontoon boat to go along with the sale. They currently also rent the home and pontoon boat as an optional add-on. The boat rental has been very popular for them and has generated a significant amount of additional rental income that I'd like to reproduce. I spoke to them about how they insure the boat and themselves from liability while renters use the boat. They provided the name of an insurance carrier that they use for the home policy and indicated the same carrier provides a personal umbrella policy that they use to cover themselves for the boat rental. As it turns out, I use the same insurance carrier so I reached out to my agent about getting similarly set-up. However, my agent, after consulting with underwriters, told me that not only do they want nothing to do with covering the boat when used by renters, but that they will not even insure the home as long as the boat is on the premises and now require proof of sale of the boat before they will insure the home even if we were to forbid renters' use of the boat. I'm suspecting that the sellers are operating a very risky operation where they didn't disclose everything to their carrier and they would not be covered in the event of an incident. So, I'm looking for advice for how I may be able to rent the home and the boat but still be legitimately covered by insurance. It was suggested to me that perhaps I could start an LLC, sell the boat to the LLC, and then operate the boat rental arm through the LLC. However, a brief search through chatgpt seems to indicate that because I would be closely tying the optional boat rental into the rental of the home, that I would be potentially stepping into all sorts of issues and the LLC would not function to "limit liability" as intended in its name. Has anyone found a solution to this and could share their experience/advice for how to make this a reality? **TLDR: How do I get liability insurance to cover me renting a low-power electric pontoon boat as an optional add-on feature for the renters of my lakefront short term rental home?**

Over the last two years my Healthy Paws Insurance premiums have gone up a total of 81%, which has forced me to remove one of pets off of my policy to make it more affordable. One of my pets is a senior, like many of the posts I'm reading here, and he has a heart condition forcing us into daily medical management per his most recent Echocardiogram. Like most of us who are appalled at our premium increases as of late for our senior kiddos, I am proposing we all sign a Petition of Opposite which will require your Name, the state of residency and your current or cancelled policy number. I will be posting this on a few sites in hopes to round up all those who feel their pets and their pockets have been treated unfairly. If anyone would like to recommend the best way to go about collecting this information, please relay that in this post. Thank you for your time, a fellow pet parent!

Really frustrated with navigating car insurance right now. I'm in Chicago suburbs, 2020 camry, and even though I have a much safer car than my previous nissan, this policy is a ton more expensive. My current 6 month progressive policy: 50k 100k 50k, medical payments 2k, uninsured 15k w 250d, comprehensive w 750d, collision w 1000d, and roadside. This costs $563, but with "discounts" or whatever i'm only paying 443 (though i've paid 82 for 6 months so it's Actually 493). It's renewing in 2 weeks and suddenly they want $1055, for 6mo. That's almost doubled WTF? I called, the person pulled strings and said it'd be $483 - just kidding that's if i changed my current policy. If i requote for one through feb it's $981, because I don't have an e-sign (and one other) discount anymore? And that would have saved me $400?? Make that make sense. She tried to see what it'd be if we minimized everything, 25k/50k/20k coverage with literally nothing else still would cost of $500 for 6 months. An independent insurance agent quoted progressive with my current (50k/100k/50k) coverage at $780. These are wildly different numbers. Any discounts available to me saved like 5 bucks. 1k over 6 months for car insurance is insane. I'm still learning to navigate insurance hellscapes. My biggest concern is hitting deer (i travel a lot) or objects on the road (there's always garbage i'm dodging on the highways), so i want at least comprehensive (or is it collision?) and roadside assistance bc I never learned how to do basic car repairs. 2k in medical payments will cover a band-aid at the ER, maybe, so i'm fine getting rid of that and minimizing underinsured (unless that's a bad idea?) and upping deductibles to 750 or 1k if it saves some money. I don't want to be throwing money away because of the appeal to fear that "something might happen" but also don't want to be underinsured and financially screwed if I hit a bumper or someone t-bones my car. Any advice appreciated.

With all the posts regarding Healthy Paws rate increase I was worried about my renewal. I am happy to saw that I just received it and it has not increased. It is staying the same at the moment. However, I will wait to see because a couple years ago there was a discrepancy and in August they sent me a new notice increasing me by $20. Fingers crossed that does not happen again. I was expecting a huge increase living in NYC.

I’ve been a Geico customer for probably 15 years. I think I paid $60 a payment when I signed with them, the latest new rate almost $200. I moved recently to Queens, NY which they say boosted the cost but this increase is insane. I haven’t had a speeding ticket in decades. Any companies offer better rates!?

So I hit someone’s car and the damage was very minimal. Just a tiny dent and a scratch. I filed a claim, and the guy I hit said the damage was minimal so he wasn’t going to file one. I called yesterday to cancel and was told by progressive I would get a call today. I get a call and let the lady know I wanted to cancel because of the reason provided. She then gives me attitude over the phone and we hangup the call. What do I do in this situation ?

So this may slightly be my fault but I need to vent and need options. I have had pets best for 2 years. My golden retriever blew her ACL and I took her to a surgeon and they confirmed it. The entire process took 5 months. I called pets best to see how to proceed, they said to pay the bill and then send everything to them. So I did. They just came back and said that they will not reimburse me because I don’t wait 6 months to have the surgery. WTF!!! and why would you not tell me when I called to ask how to proceed?!? Am I just out of luck? Or do you think that this is worth fighting? I am out $7k now. This is why I had pet insurance in the first place!!!