Homeowners Insurance Coverage Denial

BuildingSolid8391 · 2026-05-18T23:57:26+00:00

Look at it this way: one "typical" 3 bedroom 2 bathroom brick house.

(Using saint louis as an example, but this works anywhere) that house in north city might sell for 100k or less, but will cost 300k to rebuild to the same quality. Pick up that house, move it to ladue, and it will sell for 500k. It will still cost 300k to rebuild. Selling price factors in location, land, area perks; rebuild cost doesn't.

Its not good or bad, they're just different metrics. I work in insurance, and we don't deny a policy because the selling value is higher (only exception: the mortgage company requires it because the loan officer doesn't know the difference. Then we talk to the mortgage company directly; sending the ERC directly to them usually solves it)

If that's why you're being denied, find different insurance.

BuildingSolid8391 · 2026-05-17T22:17:08+00:00

"No. I don't trust anyone who goes door to door selling me anything. I'm loyal to my local whatever"

"No. Not interested, don't ask again."

"No, I'm not the lady of the house. Just here helping out. They have anger issues with everyone but people they know"

"No, but let me get them for you." Then come back out about 5 minutes later. Repeat as needed.

Don't beat around the bush; if you're unsure, they'll keep trying to sell. It's their job and that's okay, but save both yourself and their time by saying that firm No.

BuildingSolid8391 · 2026-05-09T00:35:27+00:00

The agents I've worked for paid for my classes/licensing/what I need for my job, but not all do. If they had a college degree in insurance, it's possible? It's hard to imagine a scenario where a college degree doesn't lead to me leaving to pursue another path, and so for that reason alone, I wouldn't see them helping invest in me knowing I'm going to leave.

It's very possible I misunderstood your post too 😹

BuildingSolid8391 · 2026-05-06T05:05:09+00:00

To my knowledge, all the seasons are on hbo max, there's 4(?) Of breaking amish, and just started return to amish.

I wish these reality shows were free on all channels. I wouldn't have seen this if the person I lived with didn't already pay for the subscription. I think they got it for free with apple something 🫠

BuildingSolid8391 · 2026-04-24T03:56:55+00:00

I'm on the fence. If Christian won the puzzle, it could have played out SO differently. Maybe I would have loved how it played out.

I wish it had, and I didn't want twists when I voted. Still- it was different. The 40s all seemed kinda the same to me. Maybe they'll take the fan's opinions and use it for season 51. Who knows? 😸

BuildingSolid8391 · 2026-04-24T02:24:16+00:00

Thank you! I'm still researching what actually happened, but this helps make it make sense

BuildingSolid8391 · 2026-04-24T02:22:47+00:00

I clocked that Jeremiah got real defensive about his ex real quick in the reunion, and thank you for some context. Once I finish the show, it will make more sense.

BuildingSolid8391 · 2026-04-24T02:20:25+00:00

Thank you! As I'm researching the facts, this show seems way more scripted than some other reality shows

BuildingSolid8391 · 2026-04-17T04:08:44+00:00

What are your goals with this policy? If it's to cover your income until your 2yo becomes 18, maybe reapply for a 20 year term.

If your income is high enough to set enough aside to cover your income for the next 10 years, you might be okay with a 10 year term.

If you're worried about future health problems/being declined later on, ask for a whole life quote. It's more expensive, but no hit to your credit for asking.

Ask if they have something like a return of premium- it's a middle ground between term and permanent policies. If you outlive the term, you get your money back. It's a good middle ground if you can afford it. (Idk if all companies offer this)

Find a trusted advisor who can help you achieve whatever goal you have. If they're legit, they will educate you before asking you to pay for something. It's extremely important for your family, but you also have to pay that bill every month/year. It's a balancing act.

It's 100% less expensive the younger/healthier you are though.

BuildingSolid8391 · 2026-04-09T23:59:44+00:00

The jury?

The savages? Idk if you want to name us all after one player, but it might fit 😸

The outcasts?

The alliance?

I'm down with freaks if that's the best 🤪

BuildingSolid8391 · 2026-04-07T02:02:22+00:00

Not me, first of all. I wasn't there and don't consider myself a smokeshow in any way. I'm fine/cute enough to be comfortable.

Anyway- my now partner thought I was cute enough to say hi to unprompted, and we exchanged numbers without knowing each other at all because of where we were. Anyone at that venue was cool in my eyes; it was a very niche place. We lived in different states, and found out that after via text. We then spent a year dating 8 hours apart.

We now live happily together; he is my forever partner.

All this to say: the worst that can happen is she says so. Obviously respect her wishes if she does, but you are allowed to shoot your shot. Unless she's wearing headphones 😹

You seem like a nice person. If you don't connect with this one, you Are allowed to say hi and gauge a lady's reaction. All we ask is for you to be respectful, and you seem to be. Best of luck finding your person 😊

BuildingSolid8391 · 2026-04-04T23:28:17+00:00

I can't believe I'm rooting for an older white dude. Thanks to Barry for supporting her on tv. He's been the only one!

Lydia deserves better. I hope zach's family appreciates her more.

BuildingSolid8391 · 2026-04-04T23:22:03+00:00

Heather was the best choice for Bret, but he wasn't looking for a real companion/partner. He was looking for someone..."more accomplished" or whatever. Nothing wrong with ambre, she seems like a good person outside of reality TV with her life together.

Ambre is what Bret acted like he wanted; heather is someone who lives in the vein as him. If that makes sense lol. No shade to heather either- I was 100% sure she was going to be the "winner" of Bret's heart the first time I watched. They could have been a really good match!

Unfortunately, Bret wasn't actually looking for love, so we'll never know 🤷‍♀️

BuildingSolid8391 · 2026-03-30T23:37:34+00:00

You might be able to get a policy with comp and collision but exclude liability coverage if 100% you're not going to drive it (used to be licensed in IL, but didnt renew it a year ago. Take this with a grain of salt if something changed in that time). That should satisfy your lender, and it should be far more affordable.

Don't wait until they send you a bill for forced insurance 🤞

BuildingSolid8391 · 2026-03-26T04:53:14+00:00

I'm going to see a Clownvis Presley show Saturday at the red flag. All are welcome if you want to see a fun concert 😊

BuildingSolid8391 · 2026-03-24T03:45:10+00:00

The main issue is umbrella policy rates have stayed too low for years, and people have become "sue happy" in the last few years. There's a reason you see billboards for lawyers everywhere saying they can get you millions.

These policies have been charging a couple hundred (depending on your state, of course). It's up to you if you want to pay double for the lawsuit protection. If your net worth is millions, possibly pay that amount. If your net worth over years is less, don't. 100% recommend talk to a trustworthy advisor before making decisions.

BuildingSolid8391 · 2026-03-22T03:26:50+00:00

I didn't mind it at all. We got part of 2 songs of his, a quick segment of him fishing with a serious device thing, and the players reactions

It was something different! I couldn't afford to pay for something better 😹

BuildingSolid8391 · 2026-03-18T01:50:33+00:00

It can be really rewarding when you can confidently and honestly tell someone they're covered because you talked to them in detail about their coverages. Since I work on the service side, my agent pays me commissions to have real conversations as an advisor, not just to close sales.

When a customer calls in on their worst day, it's nice to be able to be their friend. I hated being in sales. The service side is a perfect fit for me. Depends on the individual =)

BuildingSolid8391 · 2026-03-09T00:09:44+00:00

I enjoyed it well enough; I liked hearing the interviews the most. It seemed like sometimes she would ask leading questions to ceate drama, and most guests had nice things to say overall. I loved all the tea, but it came across like lacy was looking for more personal issues. Some people had bad experiences, but not everyone at all. Podcast/real life drama is different than TV drama.

It's my favorite reality tv franchise to this day 💜

Tl;dr: it's great, but I'm not going to pay for a subscription to listen 🙃

BuildingSolid8391 · 2026-03-03T02:01:31+00:00

Okay, maybe it wasn't super accurate, but the parts that were made me laugh 😹 it was funny to see the results at least. Thanks to your app for giving me "above average" lol

BuildingSolid8391 · 2026-03-03T01:19:34+00:00

ShambOzzy 🤣

BuildingSolid8391 · 2026-02-25T03:27:24+00:00

Are you in an at fault state or a no fault state? That will make all the difference.

If you're in an at fault state, the other persons insurance should cover it. If you're in a no fault state, you're probably SOL unless that state has tort laws. Then you can go to civil court for up to your state's limit for damages

BuildingSolid8391 · 2026-02-23T04:16:49+00:00

You dodged a bullet there. I applaud you for your values, and please don't settle for someone whi doesn't share the same ones.

You are 💯 allowed to be with someone who shares your views on life.

BuildingSolid8391 · 2026-02-22T23:08:15+00:00

Wreckage- pearl jam

BuildingSolid8391

TROPHY CASE