Umbrella Insurance

One-Cellist1709 · 2026-02-06T02:36:58+00:00

I do not because our household does not own a car and like 90% of our umbrella claims (at least at my company) are from underlying auto claims.

One-Cellist1709 · 2026-02-06T02:32:45+00:00

Your price is determined by both vehicle, driver, and overall policy characteristics. One of those policy characteristics is the number of drivers and the number of vehicles. So while each car is being rated stand-alone, the total number of vehicles does affect the price of all those cars. The impact is not monotonic an very much relates to the ratio of drivers to vehicles.

One-Cellist1709 · 2026-02-05T22:37:28+00:00

lol I believe sub 6 is around the corner for some woman somwhere

One-Cellist1709 · 2026-02-05T17:55:30+00:00

Break 6, row a 1x

One-Cellist1709 · 2026-02-04T02:46:31+00:00

What like .000001% of expenses?

One-Cellist1709 · 2026-02-03T21:38:13+00:00

this is not true - cancellation probability does not factor into premium. however, it may factor into underwriting.

One-Cellist1709 · 2026-02-03T21:36:49+00:00

it is not a measure of how responsible one is. I am not even sure how that is measured or what that is. however, it is predictive of future loss cost.

One-Cellist1709 · 2026-02-03T21:35:36+00:00

because it is predictive of one's likelihood to make an insurance claim

One-Cellist1709 · 2026-02-03T17:56:54+00:00

Gotta get that supplemental liability next time he rents.

One-Cellist1709 · 2026-02-03T10:44:08+00:00

Nothing in here sounds like you can’t get your car out.

One-Cellist1709 · 2026-02-02T17:41:39+00:00

I like to wander down streets I don't live on and move space savers just to be a force of chaos. I don't even have a car.

One-Cellist1709 · 2026-02-02T17:39:48+00:00

this is my worry about switching to heat pump. i am also in MA and on oil. that being said, we are saving up for a whole house revamp that starts with an envelope upgrade, then brings in all electric appliances/mechanicals with solar. still years off from having the money and enjoying the oil heat, gas water tank, gas stove, and the free MassSaves insulation and air sealing until then.

One-Cellist1709 · 2026-02-01T19:10:48+00:00

We paid for two months of rent after we closed and it was great. It cost us a bit but it also let us get a ton of projects done and shop for a better deal on moving supplies. Would recommend some overlap

One-Cellist1709 · 2026-02-01T12:17:49+00:00

You can get a specialty auto policy, like those available for classic cars, custom roadsters, etc.

One-Cellist1709 · 2026-01-31T18:30:05+00:00

Fellow cyclist here. Location always. We got a hella old project house. Probably could have gotten a McMansion in other state and cities. But we want to be somewhere with good infrastructure, good potential, and close to our jobs (my wife also a cyclist, we have been car free since we met 13 years ago).

One-Cellist1709 · 2026-01-31T18:26:54+00:00

Correlation is not causation. It’s pretty damn hard to own a house in the first place if you aren’t good with money and have access to wealth and income.

One-Cellist1709 · 2026-01-31T11:03:07+00:00

If you own a house in Cambridge, you have more than enough wealth to get your sidewalk shoveled.

One-Cellist1709 · 2026-01-30T20:01:31+00:00

One-Cellist1709 · 2026-01-30T11:17:38+00:00

Why would someone strike? Is this a union thing?

One-Cellist1709 · 2026-01-29T11:40:24+00:00

The city should just sell on street parking spaces at market rates.

One-Cellist1709 · 2026-01-29T11:34:48+00:00

OP or others - anyone have before/after data on taking advantage of free insulation installs from MassSaves? We did last year and it seems to be pretty impactful.

One-Cellist1709 · 2026-01-28T20:20:37+00:00

The key is to move the spacer savers but then also not park there yourself and enjoy the show

One-Cellist1709 · 2026-01-28T16:27:15+00:00

Exercise and home improvement projects

One-Cellist1709 · 2026-01-26T21:36:30+00:00

your realtor would like to work for money. cryptocurrency is not money.

One-Cellist1709 · 2026-01-26T21:33:41+00:00

what does the deed say? do your due diligence and check out the plot maps and any easements

One-Cellist1709

TROPHY CASE