LA wildfires thrust insurance startup into spotlight as property owners scramble for protection A month after announcing its first funding round and debut insurance product, Stand is seeing a huge surge in interest due to the LA wildfires.

Moms life insurance policy My mom died when I was 13 and had a 100,000 life insurance policy where her mom was the only beneficiary. I just turned 18 and I’m being told that I can claim this policy because I’m her next of kin. But my uncle is saying since he paid for the cremation and other things after her death for obvious reasons that I have to pay him and all her othe…

Our Insurance System Subsidizes Moves to Disaster Zones Our policies encourage Americans to flock to areas particularly prone to climate-related disasters.

How should I be thinking about earthquake insurance? (USA) I live in the Pacific Northwest, in an area at moderate to severe risk of damage in the event of a Cascadia Subduction Zone slip. My mortgage lender doesn’t require earthquake insurance, but obviously I don’t want to be financially ruined if The Big One hits and knocks my home down or off its foundation (I plan to get a retrofit done when I’m ab…

Best Travel insurance for 12 month period Hi Everyone, I am wondering if anyone has experience actually making claims with any travel insurance companies and has either good stories or bad ones to help me decide what company would be best to go with. I had to make a claim in the past and it was a hassle, so trying to do my research on what companies out there have good word of mouth rev…

Getting vision insurance vs paying out of pocket? Hello. I just moved to the US and was unlucky enough that my eyeglass frames broke after a couple of months, so I was thinking about replacing both lenses and frames (they’re 5 years old already). I was thinking if it would be worth it to first get some vision insurance, or to pay out of pocket. I found VSP at just $15/mo which seems pretty reas…

New job, new health insurance? Hey y’all, I’m looking for some advice on health insurance! I (29m) am currently on an employee +spouse plan from my wife’s (28F) employer. I started a new job today and have a wealth of options to choose from. The extra twist is that we are expecting a baby in June. I don’t expect to have high health care costs, so I’m considering switching mys…

Thoughts on “Cancel for Any Reason” Trip Insurance I am in the process of planning a 20th anniversary trip to Italy. In the course of our planning we have found that two (of the three) hotels we are likely to be staying at require pre-payment and offer no refunds if a cancellation occurs. I can understand this as these are small, boutique hotels, but I do want to cover my bases. I have not pur…

Too much umbrella insurance? I am not an attorney, but I work with one in a large company. We were talking a few weeks ago about umbrella insurance. She said she only carries $1M, because the first thing the opposing attorney will ask for is for the total insurance amount available. She believes a higher Insurance value makes you more of a target. I’m currently insured for …

Signed up for Whole Life Insurance Policy. How bad am I being taken advantage of? I met with a financial advisor from Northwestern Mutual last July. I am relatively new to investing so I heard what he had to say. He put $115,000 in a mid level investment account. He had me max out my Roth IRAs. Then he had me signed up for Term 80 Life Insurance and Whole Life Insurance. The annual premium for the Term 80 is $328. However the…

LPT: General homeowners insurance often doesn’t cover damage caused by sinkholes. So, if you live in an area prone to sinkholes, call your insurance agent or company to look into having a rider or endorsement added to your policy for coverage. Sinkholes typically fall under the umbrella of “earth movement” on a standard homeowners insurance policy in the United States. This means damage to your home or property may not be covered unless you add an endorsement or rider specific to sinkhole coverage. This is probably most important to do if you live in an area prone to sinkholes. Flori…

Life Insurance Options Hello PF! My question pertains to life insurance . For folks who can’t be approved for the sort of life insurance where you have to apply/answer medical questions for etc (is that called Term Life Insurance?), is the only other life insurance option Group life insruance? My understanding is whole life insurance is not advisable (I learned that h…

What to tell my wife in case she needs to use my life insurance? My wife and I recently upped our term life insurance policies to 1 million in coverage for each of us. My question is, if I were to actually pass away, what should she do with the money to ensure she and our two children under four are okay? Background information: -my wife and I are in our early 30s -we have two children under four -I make 105k…

Spouses job keeps switching insurance mid year My partners job keeps switching insurance providers mid year. Causing me to lose what I’ve contributed towards my deductible in July; and then it resets in January. Then the cycle begins again. This is incredibly frustrating and doesn’t feel like it should be legal?/ allowed to happen. wtf do I do? Partner keeps saying they will ask but honestly…

I am looking for travel insurance and they all seem to not have good reviews. Does any one recommend any of them? Hello, I am looking at travel insurance and I can’t decide on one. Everytime I read reviews for any of them it seems like people have a nightmare submitting a claim. Does anyone have a positive experience with one of them? submitted by /u/Ok_Ice_4305

Does life insurance ever make sense when you’re 79? Hi, I’m getting some pressure to make a decision, I want to make sure I’m not missing anything. I’m going to be approached with a “big ask” tomorrow related to the below situation, and I’m guessing it’s money that I do have but would rather spend on my own investments. the person in question is 79, an organ transfer patient due to liver cancer …

Travel Insurance: Single or Annual / advice. I am going from the Uk to the Us in a week and need to get insurance. I plan to go abroad later in the year to a couple European countries too. For a single trip to USA: £95 For Multi Trip for 1 year is: £120. Seems like a no brainer, right? submitted by /u/alexthelyon-

LPT: Insurance copay resets on new year for most plan. Rerun at your own risk. I work pharmacy and upon new years, many scripts are still billed in late December. If you ask the pharmacy to rerun, your copay will most likely reset. I’ve seen too many, and pharmacy can’t undo the rebill process so do it at your own risk. submitted by /u/bwakong

Beware of insurance renawal The insurance industry in the US seems downright criminal. I bought my first auto policy in the US, and it was quite an ordeal. In Canada, you enter driver and vehicle information, along with your desired liability/coverage, and you’re done. You see two numbers: one for monthly payments and the other for the total cost. No fine print. I assumed …

Sold whole, term, and disability insurance, should I get out? I (28F) met a Northwestern Mutual financial advisor about a little over a year ago at a networking event who connected with me and my then-fiancée. We met a few times and she sold us life insurance and disability insurance — I now have whole, term, and disability insurance and I honestly can’t really remember why other than that I’ll get dividen…