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@nadine777 This is the only question that matters. To quote myself:

@resjudicata In auto, being on the road 3x as much as you claim increases your risk substantially. Close to 3x even. I know the premium is lattes, but the exposure is not so much. This is very different than OP's case tho lol. I responded to MGNute with my take, you might enjoy it.

@msmeganjan From my side, (claims escalates to us to decide on iffy situations) I don't think we would have grounds to void. Nor would I morally be OK with it, but let's be utilitarian about it. Would we be on risk if OP had provided their correct transcript? Yes. K - courts would massacre us...

@patsy_cline_fan It doesn't take a lot to move the price on an illiquid asset. It is all based on the bids and asks. For some penny stocks there may only be 5 or 6 of each.

@ohitsyouagain Ok, I will overlook the weirdness of all of this and go straight to insurance. They cannot deny a fire claim without the presence of fraud, misrepresentation, failure to disclose material change/facts, etc. So come claim time the insurance company will rebuild to what was...

@mightygodam Your risk as a condo owner is primarily not your contents. It is (in not particular order): damage to the unit if the damage is less than the condo Corp's deductible damage to common property if your unit is responsible in th above scenario, or your share of damage as an owner...

@moustafahasan I will be honest the agent likely has no clue. They may understand how recent claim surcharges work, but when presented with "my price nearly doubled in two years" and all they just know there is a 20% surcharge? Most aren't equipped to handle that. It is also entirely possible...

@pastorhope7 It's Cooperators digital brand. No experience with them, but that should give them some validity

@theophilus2019 If it exists, you do what you have to to get it. If you don't, you go through great lengths and frustration explaining that and escalate as needed. Insurance companies are notoriously bad at handling changes in the area they operate or handling non-standard situations. So, if...

@thunt Yes it does seem right in most circumstances. Understand no one can truly answer that without seeing your parents’ policy, but let me give you the high level of how this is usually structured. A homeowners policy for one’s primary residents will usually provide insurance for the...

@anatoly So different province, but check it out. In BC, you as an owner are an insured under your building's policy. Call them up and make a claim. You have a copy of the policy they send it to you every year. Your condo board are being dinks. With that said, I'm taking Intacts analysis at its...

@ellego Ask your broker. Usually auto policies have your address/mailing address and a postal code for where your vehicle is primarily parked when not in use.

@taz77777 The main thing to remember is these policies only cover you for necessary emergency medical expenses. Yes if they need to see a doctor for a flu that is fine. But their annual blood work is not. Need to get your pacemaker updated as it's coming up to end of life? They would need to go...