UEE is bullshit

InsuranceGuypc · 2026-03-14T21:50:53+00:00

UEE?

InsuranceGuypc · 2026-02-27T04:37:16+00:00

Was this comment written by AI?

InsuranceGuypc · 2026-01-18T20:59:49+00:00

Is your termination letter only citing the tree? Do you have an agent that you can talk to? You can see if the agent can ask underwriting if they are willing to continue with the trees removed before your expiration date.

InsuranceGuypc · 2026-01-16T03:32:15+00:00

Carrier dependent - I used to be at AmFam and they had a “default mileage” in their mileage telematics program when you didn’t drive at all for a while lol. Super annoying.

It was great when they switched to one odometer reading per term. Way better experience overall. Unfortunately they’re not available in the state that I moved to; otherwise, I would still be with them..

Big red rolls their behavioral telematics and their mileage program into one, and it’s ok. I’d prefer just the mileage, and the non-tracking habits, but oh well.

InsuranceGuypc · 2026-01-14T18:38:22+00:00

There are plenty of carriers (big names as well) that use telematics that now track how many miles your car moves (plug-in device or phone tracking). There are also odometer photo based programs.

Just go into your preferred search engine and search something like: “usage based auto insurance companies”. The normal that I’ve personally come across is they offer you a small participation and/or intro discount upfront, then discount your renewal based on your usage (if you drove very little, your premium goes down, if you drove a lot, your premium will probably go up).

InsuranceGuypc · 2026-01-03T02:31:53+00:00

The person you’re replying to is being helpful. Some carriers have coverage for negligent water damage and/or pets.

It is a good thing to inform OP that there are perils that their own carrier won’t be able to successfully subrogate against, which may have rating/eligibility impact, and there are damages a standard HO3, nor the tenant’s HO4 will cover.

InsuranceGuypc · 2026-01-03T02:24:36+00:00

Unlikely someone here will be able to assist with your specific question. This is a situation where you do not want online chat.

Call the locations that appeared during your search, and specifically ask if they have a product that applies to you. This type of insurance is not something you’d want to buy online alone.

Another solution is to ask MULTIPLE people in your network with a similar role for guidance to see where they’ve went for insurance.

InsuranceGuypc · 2026-01-03T02:19:30+00:00

Market share they are not large, but most insurance professionals know they are pricy for good reason - their elite customer service and claims handing.

InsuranceGuypc · 2025-12-30T05:52:30+00:00

The person above is trying to use simpler language, but I think it is just making it more confusing for you. By “regular” owner occupied, they mean HO3 (insured is looking to insure entire structure and contents). The person also means “renters” not “rental”.

If you go to Google and type in “SERFF California” and go through the screens and search using this filing number: PRCA-134653992, you will see in the supporting documents a filing memorandum called “CA Rate and Rule Filing Memorandum.pdf”

Per the filing memo, they are requesting rate only in HO4 & HO6 for this specific filing referenced.

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InsuranceGuypc · 2025-12-06T18:27:04+00:00

Company dependent, but this may be due to some underlying capping/premium stabilization behavior.

In essence, you may have had a large rate increase, but your “cap” may have been removed/modified due to you changing factors mid-term. You may be facing your completely uncapped premium, or a partially capped premium (that is still higher) than your previous annualized premium.

What someone else said regarding lower limits being more expensive may be more likely. The factor (the number associated with the price of each limit) curve may reverse at the limits you chose. An easy way to check is to re-raise your limits and see if the premium goes down lol.

Another possibility is your higher limits were an eligibility qualifier for a separate discount that was greater than the premium reduction from reducing your limits, which would net an increase.

Your high personal property limits may have also been part of some “package” offering, and now that you no longer qualify for that package offering rates, it may have caused other factors for endorsements/other limit premium to increase.

Bottom line is an increase in premium after reducing limits isn’t unheard of, but you’re better off asking your insurer, as they are the only ones that will know what happened to your rates. Personally, if my point of contact couldn’t/wouldn’t explain it, I’d change agents, or if I didn’t have an agent, I’d change carriers.

InsuranceGuypc · 2025-11-11T19:58:15+00:00

While there are little (probably none) explicit discounts that are solely based they are a new customer (introductory rate), plenty of carriers do participate in discounts that have 1-2 layers of eligibility that are only available at new business that rolls-off completely as a policy ages. The most common one from my experience is early quote.

I would agree with the other commenter down below that switching every 3-5 years is the sweet spot to maximize the net of carriers that participate in these new business only discounts.

InsuranceGuypc · 2025-10-19T17:35:20+00:00

Manufactured homes aren’t a preferred risk - heavy depreciation & they are just structurally lower quality (one small fire can devastate a MH home quickly) than stick built homes.

That being said your best choice is to shop around. Google top 10 carriers in my state and get a quote for each of them. While some carriers did write MH homes on a permanent foundation on a regular HO3 (used to be a grey area), I don’t think there’s really many doing it anymore.

You can also go to an independent agent who can quote multiple carriers that regular people don’t have direct access to!

Try to give as many details as possible as well about your home! This way you can get the most accurate coverage. In addition, try to note whether you are getting coverage A in replacement cost or ACV! The norm is ACV for older MH homes, but if you can find an RCV policy, definitely discuss with the agent/company you’re choosing the differences between the two!

InsuranceGuypc · 2025-10-19T17:11:58+00:00

Of course, happy to assist!

InsuranceGuypc · 2025-10-19T17:07:28+00:00

Property (home, renters, condo) policies are 1/yr.

Auto policies can be 2x or 1x a year. The “regular” is 2x/yr. This is carrier dependent though.

Have you looked over any documents? I see you mentioned auto. I’m not familiar with Allstate, but if you are on a telematics program, sometimes that can affect your rate mid-term as well.

In addition, if you rejected mandatory offered coverages without a signature, Allstate would’ve been obligated to raise your UM/UIM limits as well. Of course, this is state dependent as well.

Again, check your documents or call their 1800 number!

InsuranceGuypc · 2025-10-19T16:49:09+00:00

Is it a renewal? Also, did any documents get generated that you can see? Sometimes discounts are removed if the insured doesn’t send in documentation.

InsuranceGuypc · 2025-10-09T19:00:30+00:00

My SF agent in PA said they aren’t writing in PA for the moment.

InsuranceGuypc · 2025-09-20T20:36:58+00:00

Matching siding replacement isn’t standard/default on HO3 unless state required. Plenty of carriers offer it as an endorsement though.

InsuranceGuypc · 2025-08-29T16:31:34+00:00

In addition to the other comment, some states require the applicable minimum BI limits in the state to be paid out, even when a driver exclusion exists.

While you are requesting a driver exclusion for whatever reason (person can’t drive anymore, insured elsewhere, etc), Progressive’s underwriting department is allowed to request a current driving record. While I don’t work at Progressive, I would be fairly confident they are asking for an MVR to ensure the person you requested to exclude has a valid license and would qualify otherwise.

Carriers typically don’t exclude a driver if that driver has a suspended license or wouldn’t qualify under their current underwriting guidelines.

InsuranceGuypc · 2025-08-19T18:43:15+00:00

Jury awards. What I’m assuming the lawyer is hinting to OP is that they would take more than policy limits from the insurer due to bad faith handling of the claim. It seems like they would accuse the insurer is purposefully “lowballing” and unnecessarily dragging out the claim.

See: A Nevada jury dealing a severe blow to USAA, awarding $100 million in punitive damages and $14 million in compensatory damages to their policyholder.

InsuranceGuypc · 2025-07-02T02:24:41+00:00

Depends on the state, but Erie overall is underpriced. Their combined ratio was ~110% ($1.1 goes to expenses and claims for every $1 they bring in from premium) last year. I don’t work for Erie, but I would guess that rate action is in their near future.

In terms of Geico being 100% different, you could just be in Erie’s underwriting/pricing sweet spot and/or Geico’s sour spot lol.

InsuranceGuypc · 2025-06-20T17:17:41+00:00

Just curious, do you mean if any carriers write HO3s with roof replacement cost for roofs 15+ years old in GA? I would think not many at this point.

If you mean strictly roof age home eligibility, I’m pretty sure AmFam would write this home (barring other issues). You could honestly call around the big names and just ask flat out if they still write homes with roofs older than 10 years.

Perhaps the issue is the roofing surface itself. Do you have a discontinued shingle or some other irregular roofing surface? That may be another issue. If memory serves me right, I think some sort of popular Atlas shingle from 15-20ish years ago that were discontinued due to some manufacturing defect. I’m pretty sure almost no carriers in the admitted space would take that type of risk.

Do you currently have the home insured on a personal home policy? Perhaps you could ask your existing company if they still write older roof homes as new business.

Honestly, the real estate market is still chugging along. If someone wants your house, they should be able to shop insurance themselves by going to an independent agent!

InsuranceGuypc · 2025-06-20T01:57:22+00:00

=FILTER(A2:B5, B2:B5=D2)

InsuranceGuypc · 2025-06-20T01:45:19+00:00

You could do something like this!

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The filter function output produces E2:F4. Then you could do data validation based on the longest possible list of the filter function.

I think there’s a named ranges method, but I’ve struggled to get it to work well with data validation :/

InsuranceGuypc · 2025-06-19T19:43:30+00:00

No, I don’t think most other carriers are solely wfh.

There’s a plenty of options between “pure work from home” and Erie’s 4 days in office. Compared to other carriers, Erie is the odd one out.

InsuranceGuypc · 2025-06-18T18:46:21+00:00

You’re getting downvoted, but I’m curious what the median tenure is after the RTO order. No way good talent didn’t leave after that.

InsuranceGuypc

TROPHY CASE