What are you all using for gear replacement insurance? A few years ago I was getting out of my car and I accidentally dropped a brand new $2000 lens on the ground, glass first, and shattered it. After that I signed up for the “Asurion Complete Protect” through Amazon, which should cover anything I buy from Amazon for any damage. It’s pretty reasonably priced, $17/mo, but it only covers things I buy …

Insurance Is the Silent DeFi Guardian There is a long history of insurers helping to reduce industrial risks, from cars to buildings. They can play a similar role now in DeFi, where a lack of regulation stifles growth, says Q Rasi, co-founder of Lindy Labs.

LPT (USA) always have your insurance reevaluate your costs Insurance companies mess it up all the time. If it’s anything but the most basic expense, it’s worthwhile having them double check. Once or twice in the past I’ve had random checks come through because they made a mistake (and I’d already paid), but that’s really going to depend on your insurance. Especially if you’ve gone to your doctor or had …

Should I look into life insurance now that I’m getting married? I’m 30M and will be getting married in a few months to my fiance (34F). I make slightly more than her, $115K salary + 10% bonus and she makes around $95K. If something happens to me I want to make sure she’s set for life and won’t need to stress about money or bills of any kind. I’m going to make her the beneficiary on the below accounts after m…

Is my term life insurance premium reasonable? Should I delay for weightloss? The title. The provider is Zander Insurance. My initial quote was $60-66 (I forget), but after inputting some health info I was given a premium of $87/mo for 30 years of $700k coverage. $700k should be enough to replace most of my income and cover childcare costs in our area until our newborn is ~10 according to the insurer’s site. I have an und…

Travel Insurance newbie Hey there fellow travelers, American here (M34), going to Chiang Mai, Thailand for 2 months to study Thai massage. I’ve never used travel insurance before, and am a bit at a loss as to where to start. Reading a lot of horror stories and would like to avoid that! Mostly, I’m looking to be covered for any medical expenses I might incur while over …

Parent is almost strongly against a Roth IRA for themselves and says life insurance (not the term one) is better I started getting into the finance world and I found a lot of promising safe tools. I told my whole family about Roth IRA and strongly suggested Fidelity. They told me about life insurance (not term) and tried to convince me of that. I’m unsure of it but willing to think about it but I’m not a parent and I don’t plan to be. They said that money…

Whole Life Insurance (Globe Life) is a scam For anyone thinking about getting Whole Life insurance, don’t! My grandparents took out a policy for me back in the 1990s. Covered $5k in the event of my death and jumped up to $10k about 10 years ago. Monthly premiums for 30+ years were about $17/month. Cash value as of today is only $528! Agent said I had over $4k in a “savings account” how…

Renew House Insurance with an open claim Hello, I am super worried. My house insurance is about to expire on July 9, and I received a notice from my current insurance provider, Allstate, stating they won’t renew my policy due to roof damages. We filed a claim last September, but their adjuster didn’t approve the hail damage. I had to hire a lawyer, who takes a substantial commission, a…

Travel insurance question Hello hello, first time question poster here. I’m from NZ, and currently travelling but my insurance has expired. I want more insurance but many companies require that you’re purchasing from your home country and haven’t left. OR I can purchase “nomad” insurance through safety wing/IMG etc, but people’s reviews of them aren’t great. Should I get…

My parents unknowingly screwed me with my life insurance policy. My parents took out a life insurance policy on me when I was a young child. When enough cash value was put into the policy they stopped making payments and just kept the policy rolling by deducting the premiums from the policy itself. Many years later into my adulthood they switched ownership of the policy to me. They told me not to worry about …

What are some finance (or insurance?) moves you should make while you are young and healthy? This came up last year as I got a long-term disability policy through my employer that required a medical assessment. Fortunately, I was/am in good health, so everything went smoothly. But it made me think: what type of financial products or perhaps insurance should I be securing now, while I’m relatively young (32) and healthy? Long term care i…

Uninsured motorists insurance – property damage Any reason to have coverage limits exceeding the value of a new car? If my car that costs $30k to replace gets totaled by someone with no insurance, what would $100k in UM property damage coverage do for me? Unless I regularly transport some fragile equipment or artwork or something… submitted by /u/ThrowawayTop3547

Best Travel Insurance for late pregnancy? My wife and I will be travelling to Europe from Australia and back again holidaying however we’ve recently learned that she will now be 20-30weeks pregnant. (Exciting). I’m curious to know if anyone can recommend any reputable travel insurers that cover not only up to 30 weeks but also covers the baby if it were to be born pre-maturely? Most see…

Cruise insurance I have a cruise booked. It’s in 40 days. Sadly my dad’s been fighting cancer. He was doing well but has recently took a turn for the worse. I’m so afraid that he might pass or will be too sick for me to go on my cruise. I did not buy the insurance. Is there a way that I can still get insurance? submitted by /u/DifferentCoyote8136 …

Keep my wife’s whole life insurance policy? I got married to my wife last year, and when we were discussing finances, it came up that she has had a whole life insurance for the last 8 years. Her annual premium is due this month and I am wondering if its worth keeping the policy. I understand that its (often) better to buy a term life insurance policy for the lower premiums and invest the …

After moving out, I found out I got charged for renter insurance noncompliance, but I already have the insurance for that period I moved out of my apartment in May and found out I got charged 25 monthly for renter insurance non-compliance. However, my husband always paid and renewed insurance every year. I submitted the policy when I first moved in. Is it possible if I ask for the refund back a renter insurance noncompliance charge for a whole year from the apartment comp…

Travel insurance via XCover. So aggravating. I had to cancel a trip in April due to a medical emergency. Expedia was able to cancel and refund my hotel stays with no issue. My flights were booked with Norse Atlantic Airways and I had purchased their third party insurance, XCover. I submitted my claim and it’s just been crickets. They sent me a satisfaction survey and that was it. I’ve rea…

QUESTION: Hartford vs Next Insurance Hey Folks, I’m shopping for General Liability Insurance for an ecommerce site. I’m currently comparing between Hartford and Next. Next is cheaper than Hartford but I’m seeing folks on Reddit mentioning bad experiences with Next when they actually had a claim. Thoughts? submitted by /u/Corvoxcx

Children’s life insurance policies I opened NYL life insurance polices for my kids 8 years ago. They are now 14 and 16 years old. I pay $30/mo for my 16 year old and $26/mo for my 14 year old. In 8 years, the cash values are $950-1300, respectively, and the dividend accounts are around $53-$120, respectively. I know $56/mo isn’t that much to prepare for a worst case scenario ($50…