I feel like the obvious is “absolutely have one.” But friends and family make it feel like a total scam because they’ve had such negative experiences with every alarm company. What are your experiences with home security companies and do you feel like you got what you paid for in regards to home security? (For reference, growing up my parents always had ADT and had such a terrible experience that my dad ripped the monitor out of the wall and told the customer service rep some vulgar things about what he’d rather experience than do business with ADT again). For home security of course I’ll pay the extra price, just want to make sure it’s actually worth it and that they come through for you in the event of emergency.

I DO NOT RECOMMEND this pet insurance company if you hope and expect your dog to live a full life. My dog is now 11 and had a cancer issue that was successfully taken care of 2.5 years ago. And I am 69. I just received a rate increase from $83/month to $216/month. That’s a $133 month increase. Triple my monthly rate. Healthy paws suggested I lower my rate by increasing my deductible. Or lower my reimbursement rate. Any way I calculate it, it basically comes out to cost me the same. And the cost would be prohibitive to go somewhere else at this point. I WOULD NEVER HAVE CHOSEN THIS COMPANY IF I KNEW THEY WEREN’T IN IT WITH ME FOR THE LONG HAUL. They were hoping my dog would die before they took a hit on their profits with my dog. The rep told me there’s nothing they could do for me. I told her it was easy to triple my rate. It should be equally easy to lower it back down. She said no.

I would like to warn people before signing up with Pets Plus Us. They are “endorsed” by Costco and I thought that meant they must be decent. I signed up with them in 2014 when my dog was 10 weeks old. My dog is now 10.5 years old and this is my experience: Since 2021 they have approved $29 and $26 dollars of claims. In November 2022 they approved their last reimbursement for $29. They rejected a claim for an autoimmune disorder despite the fact a surgeon and specialist reached out on our behalf and provided published information proving that under PetsPlusUs guidelines it should have been covered…we paid $7500 out of pocket for that in 2022. Despite not approving any claims since November 2022, when my dog turned 10 (June 2024) they DOUBLED his monthly rates. And claimed that had nothing to do with age. Today I received an email advising that my dog’s plan is being “discontinued” so they I can pick a new plan to “better meet my needs” however, pre-existing conditions will not be covered. I called to cancel our policy today. We were loyal clients for nearly 11 years and this is how they “value” us.

I currently have Healthy Paws for my 4 year old (soon to be 5) dog. She has been with them since Dec of 2023, - almost 2 years - and my premiums have increased twice so far (once after the first year and then once again because I moved and I've never hit my deductible yet). My policy covers 80% with an unlimited payout and a $500 deductible. I currently pay $73 monthly but when I first got my policy it was \~$58. I see a lot of posts on this forum about the premium increases from HP and it makes me nervous for the future, especially when dogs are hitting 10 and premiums are sky rocketing to unaffordable rates. My question: if you have an elder pet, what insurance do you have, how long have you been with them, what is your policy and how much do you pay? I've found HP easy to deal with and I like having an unlimited policy, but the premium increases make me nervous. What insurance company has comparable policies that don't sky rocket their premiums as your pet gets older?

My vehicle needs a new windshield. It’s a lease and reading the agreement, it says the following: You are responsible for repairs of all physical damage that is not a result of normal wear and use. All service and repairs must be made with new and genuine manufacturer’s original equipment replacement parts, regardless of the terms of your insurance policy. Does this mean it has to be OEM? I have GEICO and they said they will not pay for OEM.

I've posted about my claim before. Insurance company low balled me on the settlement for my stolen car. Offered me 23k total I didn't agree, they didn't want to negotiate and told me to invoke appraisal clause. They rep calls we over a week later and told me good news their appraiser came up with 26k and something. Told me I don't have to get an appraiser anymore. Sounded good to me. Next day I get a call, they made a mistake and weren't supposed to tell me that amount since that's the amount their appraiser came up with for when I actually invoke the appraisal clause. I'm confused so I have two questions: Can they legally backtrack like that after they already told me I didn't have to get an appraiser and the amount they were at? And also, technically if I get an appraiser he or she should be able to get me more than their estimate right?

Last year, my home was hit by a vehicle and became unlivable. I was advised to create a claim with my insurance company. I had a disaster restoration company come out, provide a quote, paperwork signed, my insurance paid out a portion of the estimated total, I paid the deposit to the restoration company out of that. That was six months ago and no work has started, and here is (allegedly) why: 1. My siding has asbestos. Contractor says they cannot fix the damage without disrupting the asbestos on the two undamaged sides, therefore insurance needs to pay for four replacement sides, not two. According to contractor, this is an EPA regulation. Insurance says because it’s not township code, it doesn’t matter and they will only cover two sides. 2. My hardwood flooring is original to 1950 and has no subfloor. The subcontractors won’t fix without installing subfloor, as the type of hardwood used in 1950 does not exist and today’s would not be strong enough. Insurance will only cover fixing the damaged area, which means I will have a visible difference and seam in the hardwood. Again, because it is not code, Insurance is pushing back. I have not received an actual denial letter, I’m just being told by the adjuster that nothing is happening. I requested to escalate to a supervisor two weeks ago, still no updates. I’m overwhelmed and I’ve been out of my home for more than six months. Questions: 1. Do I need an attorney, and if so, what kind? Google hasn’t been helpful. 2. Am I within my rights to get a new quote for the siding and hardwood flooring separate from the other repairs? 3. Why is this going through my insurance and not the insurance of driver who hit the house? I only filed with my insurance because I was panicked and a neighbor told me to, and I’d rather argue with the bad guy’s adjuster instead of mine. I feel like I have to play nice with everyone, but the anger and resentment and frustration is building.

I got involved with them on my 18th birthday, which was in November. I left at the end of December and told them I was moving to Houston. I got the life insurance policy when I joined since it was required, and I canceled it yesterday. Today, I got a call from the agent who recruited me. I told him I couldn't talk, but he said the contract required me to keep the life insurance policy for 17 months. I hung up, blocked him, and called my cousin since he also joined at the beginning of 2024 (recruited by the same person) and left shortly after. He canceled his policy as well. I told him about the call, and he said the agent called him too when he canceled his policy, telling him the same thing. He told the agent he didn't want it, and the agent said he would be sent to collections or something like that. I don't know if that's true but I don't know what to do.

2019 Toyota Camry / New York / GEICO My husband was running late to work today and on the way there, there was a slow car right before the entrance to his job. He went around that car and his car slid and hit into a pole. No one got hurt. He said the car drives fine, the damage seems to be on the cosmetic side hopefully but he doesn’t know for sure that nothings leaking or broken inside. None of the sensors are going off. I wish I could post a picture. He contacted GEICO online since he’s still at work and couldn’t call. They made him take pictures without any detailed explanation about the state of the car and offered him 3k for the car. We are 4K away from paying off that car. We are not in a financial state to just get a new car and we were so excited to finally stop the crazy payments on the car. What do we do? Do we take the 3k and use it towards a new car? Or is there any chance to contact company directly and see if there’s a chance to fix the car? Sorry if my questions seem silly, I don’t know much about insurance or cars. Just want to ease some of my husbands worries if I’m able and have a clear way forward. He’s shook up and freaking out about how stupid he was to make such a mistake especially when we were about to be done paying it off. If you have any advice thank you in advance.

I went to an out of network Health specialist. I had 2 visits for around $200 per visit paid via credit card. They told me to send my invoice/receipt to my insurance company and they would reimburse me. I submitted 2 claims to United Healthcare and they were approved as out of network which went towards that deductible. I just assumed that after that approval, a check from UHC would be sent in the mail to me. It wasn’t. I chatted with UHC customer service today and they said to contact the health specialist business to resubmit the claim as in network. Talked to the specialist business representative and they don’t deal with insurance AT ALL. They are out of network for everyone and leave it to the patient/customer to handle insurance reimbursements if applicable. I’m at a loss for what to do now. I know I have to get it sorted with UHC but idk what to say or do at this point. How do I get reimbursed? Was I not supposed to submit a claim? Should I have gone through a different process and submitted something else? I’ve never had to deal with this kind of situation before and I cannot afford to not be reimbursed. Any tips or help would be much appreciated. Thank you!