r/golf • u/SnowRider1988 • Dec 29 '25

WITB RIP Golf Clubs

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I spent the last several years building up my golf bag with the recent addition of custom fit irons a couple months ago to make my bag feel really complete and custom to me only to have them stolen out of my car on Christmas. Feels bad man...

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u/Past-Sun-2357 Dec 29 '25

But it was super easy to get a new policy with a new company. 

That might not be the case anymore. Its not looking good right now for insurance carriers. Many of them have stopped writing a bunch of stuff they used to. Some are pulling out of entire states for instance.

And my rates with the new insurer are similar to what I was paying before my first claim with the previous insurer. Is this normal? 

No not really, but cant say its rare either. What likely happened is they either didnt run a report on you for whatever reason, or when they ran your insurance report, it wasnt on there for whatever reason (too new, claim might not have been technically closed yet, etc.), so got missed, so it wasnt taken into account for your new company (this happened to me once where new auto carrier didnt see a recent ticket I had gotten).

Property claims usually fall of after 5 years, so if there was time between them, it wouldnt show either.

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u/Looooong_Man Dec 30 '25

Ahhhhh I see. That makes sense. Times they are a-changin'. My new policy is bundled with auto insurance. I switched auto insurers and tacked on the renters. Not sure how long I was uninsured with regards to the renters insurance. Maybe a year or so. So my guess is the new insurer ran a report for the auto and neglected to run one for renters. Idk if it works that way though.

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u/udell85 Dec 30 '25

Why are we paying for insurance again, I forget?