r/InsuranceLibrary

Hey everyone, hoping someone here can please help me. My insurance company, Allstate, is saying they’ll drop my policy if I don’t replace my roof. It’s definitely a bit older, but it doesn’t leak and has never had any issues. They just don’t like how the shingles appear visually apparently.

This is a 3,000 sqft house in Nashville, TN. I definitely can’t afford to do this new replacement which my quote said would cost over $21,000 and some change.

Has anyone dealt with something like this before? Is this even legal? Any tips on how to fight it or get them to reconsider? Really appreciate any guidance — thank you!

A car hit my friend's 2014 Mercedes benz on driver side rear bumper, resulted in scratches not cracks, her insurance quoted $1000 but, she claimed some autoshop would easily quote $3000, how can it be possible to get $3000? Sounds like a fraud.

I'm considering switching because their rates are better than my state farm insurance.

Does anyone have recent experiences with Dairyland auto insurance claims and customer service?

We’re looking at a rural property that has a small private bridge as the only vehicle access to the house. It got me wondering how something like that is actually handled by insurance.

Is a private bridge normally covered under homeowners/property insurance, or do you need some kind of separate specialty policy? And if flooding or a fallen tree took it out, would insurance typically cover the full replacement cost?

Curious if anyone here has dealt with this before, especially on rural properties.

My spouse and I are trying to figure out the best health insurance setup. My spouse is a W2 employee with access to an employer sponsored health plan, and I'm an independent contractor. For anyone in a similar situation, did you join your spouse's employer plan or get your own coverage? What factors helped you decide?

Also, for other independent contractors, any tips for finding good coverage without overpaying?

Thanks!

I've been seeing ads for these guys called Freeway Insurance so I'm wondering if they are legit for getting auto insurance quotes or do they just sell your info?

Hi all,

I'm from Indonesia and currently in the UK on a visitor visa. My original travel insurance has expired, and I've extended my stay until the end of September.

I contacted my travel insurer back home, but they can't extend my existing policy or issue a new one because I'm already abroad.

Has anyone been in a similar situation? I'm looking for a travel insurance provider that allows you to purchase coverage after your trip has already started.

I may also be traveling to a few European countries, so ideally the policy would cover both the UK and those destinations as well.

I've come across SafetyWing, World Nomads, and Genki during my research. Has anyone used any of them? How was y

One of my close relatives left India and reached the UK and in a hurry forgot purchasing travel insurance. The trip in the UK is expected to be for around 2 months. Can you please suggest something urgent? She is on a visitor visa. Left India on 10th Morning 8 am India time and reached UK on 10th June afternoon 2 pm. Please suggest something. She is getting panic.

So, I posed yesterday about another company that is cheap but in my research I came across a car insurance company called magnum. Has anyone heard of them and are they legit or are they a scam?

Thanks!

The whole concept of life insurance can feel a little strange at first. You pay premiums. You die. Your beneficiaries get a payout.

What about the insurance company? They aren’t a charity. Of course not!

So what’s in it for them?

The truth is, life insurance companies make money in a few different ways. Here are four that might surprise you.

1. Investments

Life insurance companies don’t just hold onto the money you pay them. They invest it.

A large portion usually goes into safe, long-term options like government bonds. Others might invest in real estate or even the stock market. The idea is to grow that money over time while they wait for claims to come in.

While you're paying pr