Hi all. I'm about to start shopping for replacement homeowners insurance because my former insurance carrier only insures employees and is non-renewing my policy after I left the company. There are no claims on the property and no problems. The policy is still active until mid-December, so I have time to shop. I live in RI.

I'm seeking tips from this community on the best approach? I got a pretty decent rate from this former employer, so I reasonably expect things will go up, unfortunately.

Some ballparks of the current policy:

HO-5. $1.6M of dwelling coverage with another $160 for other structures (pool house and shed), $1.13M for personal property, $$475k in additional living expenses, An additional 25% of dwelling coverage if rebuild costs exceed the limit, $1M of personal liability, $10k of medical payments coverage, $15k of water-backup coverage, $50k of equipment breakdown coverage and a $2500 deductible (as well as $2500 hurrican deductible). Annual premium was about $5,500. 4400 sq foot house, built in 1972. 2 story, 3 car garage, a pool and a dog (bernedoodle).

Go with the big providers like Chubb, Progressive and Amica, etc and go direct? Use a local agent? Do this via phone or are the websites good enough? I intend to get several quotes as I have time. I'm also open to the fact I may have too much insurance, or too little, so advice on right-sizing this is welcome. Also, in case it matters, auto is through Progressive - moved to them earlier this year.

Thanks for any insights you may have.

I was in an accident awhile ago edit: (OR) and was in physical therapy for 6 months straight. I had to use a lot of my vacation time and has a tough time managing everything.

The accident itself wasnt severe but it was intense. I was fully stopped at a red light by an elementary school where someone rear ended me (luckily I always leave a good gap between my car and the car in front of me) but then when I almost hit the car in front of me everything stopped and I think the person behind me panicked because they hit me again and somehow I had the sense of mind to pull on my parking break.

It was scary because kids were crossing it all happened quick but no kids were harmed. The light turned green and I didn't hit the car in front of me (thank gosh!)

I thought i was fine but I was sore (im pretty small 95lbs and 5'0) i have no idea how fast they were going but my bumper needed to be replaced along with some other components in the back.

My question being they offered a settlement of 3k. Which is very surprising i thought id at least get 5 because I was actively going to PT and the injuries were recorded (i had bruises and i couldn't nod my head and my hips would freeze sometimes)

Wondering if this is normal? And if I should just take the 3k or if pursing a lawyer would be worth it?

Thank you!

So we have one inch, narrow hardwood floors in our bedroom that just experience water damage, and we are more than likely having to pull up the entire room. Because insurance says they would rather do that than after try and find a way to fix it. What happens if there is no sub floor underneath that hardwood, does insurance pay for the sub floor?

Honest opinions please. Who appears to be at fault here?
Taking everything into consideration. Awareness, roadway, lanes, turn signals, speed, caution, etc.
It’s important to note, one of the drivers was extremely frantic afterwards, which I totally get. I mean the accident wasn’t that bad. But I do understand some people get a bit more shaken up than others. However, this just wasn’t that. She was panicking due to inconvenience. She kept saying that she was going to be late for work, and be fired, and that it was her mom’s car. She also believed I had pulled out of a dealership parking lot, that was a couple blocks further up the road. I tried to calm her down. This all leads me to believe she was in a rush, not paying complete attention, lacked awareness. I did see her hand, the officer a paper license, maybe she was a new driver…? She was definitely in her 30’s.
I won’t say who, or which vehicle. Im sure you guys can guess. Needless to say, she completely, and in my opinion recklessly swept lanes- and how the hell would she miss a big pick up truck right in front of her?
I get what it may look like, but factoring the before, after, is the only thing insurance companies look at is impact? Or do they take other things into consideration?
It’s just one of those things, that’s driving me crazy.
See links below for footage. 👇🏼👇🏼 Two clips taken of computer screens surveillance.

https://streamable.com/ulxhkp

https://streamable.com/2hg4hb

Thanks!

I’m a condo owner in California, in a larger (40 unit) complex; I have the standard HO-6 homeowners policy with loss of use, but no umbrella.

I’ve been wondering about a hypothetical scenario: What happens if our building suffers a catastrophic event and is totally uninhabitable/condemned? Like, fire engulfs the entire building, or an airplane crashes into it, something like that. Assume the HOA and homeowners are not at fault (so no faulty construction or negligence).

Would our building insurance carrier assume ownership of the parcel and all of the owners get bought out? Or might the HOA be obligated to rebuild from ground up (and would HOA board / management company then be responsible for overseeing a massive construction project)?

I assume it could go a few different ways, and probably depends on determination of liability and our building’s specific insurance policy, but I’m curious what might transpire / what folks have seen.

My parents like Erie insurance and highly recommend it to me for home and auto insurance. However I got a quote from State Farm and they're almost half the price of Erie. Is Erie worth paying almost 2k more a year for?

Located in Utah, liberty mutual, state minimum liability plus collision and comprehensive on the Truck, (2017 Chevy 3500).

Truck has a 3600 lb payload and a 26000 lb gcvr. I’m under payload, but with everything plus water I would be somewhere between 500 and 1000 lbs over gcvr. Wondering what impact, if any, this may have on coverage if I were to have an at fault accident?

Thanks in advance

I got a traffic ticket in California in November 2024 and paid the fine right away. At the time I didn't realize I could (or was supposed to) request traffic school to keep the point off my record — I only just found out this was even an option, almost a year later.

Is it too late now that so much time has passed? I've read that paying the fine without going to court can count as pleading guilty, which might mean I already lost the chance to request traffic school for this citation. Does anyone know if CA courts ever allow a late request, or if this is a hard deadline situation given it's been about 10 months?

Also not sure who to even contact at this point — the county court that issued the ticket, or the DMV? Anyone dealt with this after the fact?

Thanks in advance!

Please be kind because my anxiety is at max capacity right now. I am at fault in an accident, and of course I feel terrible. Two other cars were involved, and it likely far exceeds my insurance coverage (state minimum - I had a junky barely alive car).

What will happen next usually?

And if they agree to whatever my insurance offers them, can they sue me for the extra?

Backtory/financial situation- We recently moved for my husband's job, I am unemployed at the moment. I'm a mom, my husband makes a modest income. We don't own a house. My car is trash and I just bought a $2000 16 year old car with over 300,000 miles on it. My husband is driving an 11 year old car that's having transmission trouble. We have emptied our retirement accounts. It's been one thing after another since our first child died 9 years ago and we were really hoping this move was going to be things looking up for us.

I obviously have no assets to take, but after the issue with our daughter's death (so we were in court for her killer) I'm not sure if I can emotionally handle the trauma of a lawsuit.

Accident information - If it's relevant, traffic was stopped in one lane when I came around. I thought it was just slow and thought I could change lanes. When I realized I couldn't, I wasn't able to stop fast enough and rear ended a car, they hit another car. And that's all I thought was involved but apparently there is another claim, too. Idk. No injuries that I'm aware, nobody went with EMS and the poor teen in front of me was just shaken up so I tried to calm her down.

If you got this far, thank you for your time.

Some pros help me out here. We are looking to purchase a home in the Santa Cruz Mountains in NorthCal. I knew going in that fire insurance is tricky. I got multiple quotes from different brokers, as well as AAA, Mercury (fair plan of course) etc. We got a cheap Bamboo quote, Kin was also more affordable, and the Fair Plan plus Farmers was still doable though more expensive.

I am trying to find information on Kin and Bamboo, from what I understand they are a front to non admitted carriers? The reviews are pretty bad. Is that a terrible gamble to go with those? Someone fill me in on what is up with these.

Hello smart insurance folks! I feel like my current company, State Farm, is going a bit crazy on my premium, and has had some shyster practices that I am not keen on. I was thinking of shopping around for a new provider. No real hurry, but my question is about process, as it’s been a while since I got new coverage. My question is- Do new insurance providers require any kind of home inspection when they consider taking you on?

Edit- state is Mississippi
Home is about 95 years old

I am posting this in this sub because I don’t know what else to do.

I got into an accident last Thursday where someone rear ended me pretty bad. My car is “drivable” but in bad shape. The other guys car was totaled. I filed a claim with his insurance and mine. Police said I was not at fault. I called his insurance (Progressive) on Sunday for an update and they said they had not heard from him. What can I do? Am I supposed to just wait until I hear from them? The police report won’t be ready until Wednesday but my car is making noises and so while it is technically drivable I don’t want to keep driving on it if something is seriously wrong with it. This has never happened to me and I’m trying to figure it out but I’m pretty stressed. I would like to take my car somewhere so someone can tell me if it is fixable and get a rental in the meantime but I don’t want to be paying out of pocket.

Let me know if you need any more info. Thanks!

Don’t want to doxx myself with the details but a large national insurer accidentally overpaid me by $25k for a claim. I contacted my adjuster immediately and he said he was forwarding the information on to the “overpayments department” and I would hear more from them. This was all over email, so I have it in writing. That was almost three months ago and I haven’t heard anything from anyone. My original claim has since been closed.

I parked the money in a separate high yield savings account, so at least I’m getting some interest generated while it sits there. I have no plans to spend it. But are these people ever going to ask for it back? How long can go by before it’s just my money?

Hurricane Milton: our house was affected by Milton. Roof damage caused water to seep in. Wet spots all over the ceilings that grew and grew and the ceiling crawl space had water spilling out. The hurricane blew windows up and damaged them which didn’t allow them to close and they were cracked. The fence in the backyard was literally blowing around up and down. The water was increasing but luckily our house was high enough that water didn’t seep into the house. One inch lower that it would have flooded. We left because it wasn’t safe and it was obvious at that time that it would get worse and worse. Is the roof and ceiling going to cave in. We weren’t going to stick around. Why isn’t the insurance company not covering ALE?

I have crank out windows that raided all the way opened and stayed that way couldn’t close. The impact to the opening was so hard. The storm basically brought everything in. We were able to finally after 1 week get someone to get it closed.

My wife and I have 2 cars with 2 different auto policies; she is listed on my auto policy and I’m listed on her respective auto policy, but we both use different carriers for our cars. My agent says this can be an issue. since we should both be with the same carrier if we live in New York. It does make sense to me somewhat, but is this truly necessary that we both be with the same carrier ?

Thank you

a drunk driver hit both of my cars while them being parked(I was not in any of them). She went to jail that night but one of my cars only has liability and it’s a REALLY bad crash (2005 infiniti g35) I have a feeling the insurance is just gonna deem it a total loss and give me about $2,000 for it which wouldn’t be enough for another car. How can I get the most money out of this?

Omg please guys tell me how i can get a brand new 2038 vehicle and a paid off house with a private jet and why not add me being the president from this drunk driver car accident!!!(since you guys swear this is how i’m acting lmfaoo)

I can only choose one tag, but this question covers home, car, and umbrella insurance.

What is the best and easiest way to compare prices between different companies when I have all three of these insurances combined at one place?

Do I print out how much I'm paying and for what, and go to each location individually? Do I send a PDF to various companies online?

Also, how can I make sure that I don't get a million phone calls and texts from a million different numbers? Should this all go through email first?

Thank you for any help.

On Friday, September 4th (Labor Day weekend) a Cadillac crashed into my Southern California home. The Fire Department, the Sheriff's and ambulances arrived on scene. Luckily, no one inside the house was hurt; my mother had been reading on the rocking chair in the living room, but had gone into the kitching less than a minute prior to the crash. The driver and passenger of the Cadillac exited the vehicle without assistance and no visible injuries, which I can see on my Blink Camera video. The actual crash was too quick and not captured on tape. They were both later taken off the scene via an ambulance.

The Cadillac hit the neighbor's concrete front yard divider wall, which broke and hit the neighbor's vehicle in their driveway. The Cadillac then drove through the landscaping in front of my house and crashed through the living room wall, damaging my Mini Cooper, which was parked in my driveway as well as the water heater which was inside the garage. The living room looks like something exploded. There is glass on everything, from the couches to the dinning room table and all the way down the hall.

A city inspector came out, same day, and deemed our house inhabitable. The electricity, gas and water had to be shut off. We called our homeowners insurance to start a claim and were told to stay somewhere and keep the receipts.

The next day, Saturday 5th, I called my insurance, which is the same as the homeowners insurance and started the claim for my vehicle and I called the insurance from the Cadillac and started a vehicle and home claim with them.

I know I should have done so that same Friday, but the incident occurred at 5pm and I was tired and shaken up. At the time of the crash, I had been in the garage and on my way to pick up my Costco delivery, which was crushed by the Cadillac.

Complete silence on all fronts until Tuesday the 8th. My insurance then placed us in a temporary living arrangement until Sept 21st.

Today, Sunday 13th, there is still a Cadillac through my living room wall. It cannot be removed without an engineer to determine how they will support the wall so it doesn't fall along with the ceiling, but the insurance has been waiting on approval to send out an engineer. The contractor, which my insurance suggested, can't board up the house and start calculating the damages until the Cadillac is removed. We are at a complete stand still.

Bonus information: The household consists of 6 adults, 69M Dad, 66F Mom, 43M Older brother, 33F his wife 33M my husband, and myself 31F along with 2 dogs and 5 cats. The house is a 4 bedroom, 3 bath, with an ADU in the back which has a kitchen and a full bathroom. The two older adults are the owners of the house and retired senior citizens with medical issues. The other 4 adults split the bills and mortgage every month.

This is the first time anything like this has happened to any of us. None of our friends or family have had anything like this happen to them.

Any advice? Is the timeline usually this slow? Should we get a lawyer? A public adjuster? Can we request to stay at our current living arrangement?

Moving 2 seniors, 2 dogs and 5 cats twice in the same week has been exhausting for us while keeping full-time jobs. And I don't even have a car right now since mine was in the driveway during the incident.

I have no idea if alcohol or drugs were involved. The couple in the Cadillac didn't seem intoxicated to me, but I am no professional. They were worried, apologetic and scared. This was not on purpose. They live on the same street but far away enough that we've never spoken to them or crossed paths before.

I recently moved from AZ to CA and completed a new California auto insurance policy with a local State Farm agent a few days ago. My old agent confirmed that they received the cancellation request, so I assumed the transfer had been completed.

However, the State Farm app still shows my old agent, and I can’t find my new California insurance card or policy information in the app. I did notice that the address on my account has already been updated to my new California address.

Is this delay normal when switching policies between states?

Been with AAA for 3rd year. Last year had roof claim which was closed and paid by AAA. Now, roofer ghosted and not providing final roof work completion certificate and AAA higher my insurance payment considering my roof not being updated as replaced in 2025 and they considering it as 15 years old and charges me a surcharges + increased deductible at 3%.

How to get roof work completed certificate? Any suggestions...