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What is the 80% rule in homeowners insurance?
As you stated, your home is covered up to 150% of the dwelling amount so this is not something you should be concerned about. However, it is a good example of why it is so important to properly insure your home. It also benefits you as a consumer and homeowner to understand the basics of your homeo…
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Does renters insurance cover toilet overflow?
Your renters insurance would cover your personal belongings that were damaged in the overflow. Things like rugs, clothing, furniture, or anything else you own that was affected by the water. That’s the main purpose of renters insurance. If not much of your property was ruined, it may not be worth m…
My record’s clean now but I still got a high rate with Dairyland
Dairyland focuses mainly on high-risk insurance, which means they’re great if you’ve had recent tickets, a lapse, or a suspension. But if your record has been clean for a few years, you may have outgrown what they specialize in.Even after three years of clean driving, carriers like Dairyland someti…
Does Dairyland do SR-22s fast?
Yes, that’s actually one of the things Dairyland does best. They’re known for helping people who need SR-22 filings or have had a lapse or suspension, and they usually move faster than bigger companies when it comes to getting you legal again.The process is usually pretty quick. In many states, the…
My claim was denied because I didn’t list my daughter
That’s frustrating, and you aren't alone in your experience. Insurance companies, including National General, base your policy on everyone who lives in your household, not just the people who actually drive. They want to know about all household members because anyone with regular access to the car…
Who really handles my claim, my agent or National General?
That’s a great question! Many companies (like National General) work with independent agents, which is convenient but can also be slightly confusing. Your independent agent is your main contact for getting your policy set up, making changes, and filing a claim. Once that claim is submitted, though,…
What if I can't pay my insurance while furloughed?
This is a great question, whether you're a government employee or not. If the government shutdown delays your paycheck, it can be stressful to keep up with home and car insurance payments, but most insurers are prepared to help.Start by calling your insurance company as soon as possible. Many insur…
Could a government shutdown make insurance more expensive?
Great question, but luckily, you don't need to panic. A government shutdown won’t make your car insurance rates jump overnight, but it can influence what you pay over time. If the shutdown drags on and causes economic uncertainty, insurers may face higher repair and claims costs, which can eventual…
Will the government shutdown delay my car registration or affect my insurance?
The good news is that most DMVs are state-operated, so basic services like car registration and title transfers usually continue, even during a federal shutdown. That said, some offices might face short staffing or backlogs if they rely on federal systems, which can slow things down a bit.Your auto…
How's the claims handling at American National?
Unfortunately, that kind of feedback shows up more than once with American National reviews—but it's not a cut-and-dry situation. In most cases, complaints come from hail or property claims, where the company uses independent adjusters instead of in-house staff. That’s pretty common with mid-sized…
Good rates with Penn, but how about claims?
That’s a fair question. Most people find Penn National quick and helpful for smaller claims. Things like roof repairs or minor car damage usually get handled fast, but bigger claims can take longer. That’s pretty common with any insurer, especially when multiple estimates or inspections are involve…
