It upsets me when...
I request a quote for renters insurance through a company partnered with my auto insurance, and am quoted $178 a year. I suppose that rate is acceptable. Then it asks me for basic information, SSN, how the house is heated (natural gas furnace), and other questions that if I answered yes to, would understandably increase risk (answered no to all of them).
My credit: Fine, but was overextended for a while, but under control now
Claim history: No claims ever filed at all for me
My new rate: $427/year
My response: No thanks!
Insurance underwriters are very annoying people.