Home Insurance?
Q. I plan to turn my first single home into a rental property. Do I need to report the insurance that I will not live in that house?
Asked by VeryFunnie - Tue Mar 6 08:44:42 2007 - - 9 Answers - 0 Comments
A. You definitely need to notify your insurance company. The property will no longer be owner occupied & they can deny a claim. You will need to get a DP3/landlord policy. Your rates will not go down because the risk is higher. No one will take care of you home the way you do. Tenants increase the risk. Also, you would Never be liable for the personal property of a tenant (except if you were completely negligent). However, as a landlord I would require your tenants to carry a renters policy simply for the Liability portion of the policy. Liability is the coverage that protects you from you tenants or your negligence. Like, if you were at your property one day to do some yard work & left the hose out on the sidewalk & the postman trips over… [cont.]
Answered by Punk Rock Gurl - Tue Mar 6 14:27:47 2007
Q. I plan to turn my first single home into a rental property. Do I need to report the insurance that I will not live in that house?
Asked by VeryFunnie - Tue Mar 6 08:44:42 2007 - - 9 Answers - 0 Comments
A. You definitely need to notify your insurance company. The property will no longer be owner occupied & they can deny a claim. You will need to get a DP3/landlord policy. Your rates will not go down because the risk is higher. No one will take care of you home the way you do. Tenants increase the risk. Also, you would Never be liable for the personal property of a tenant (except if you were completely negligent). However, as a landlord I would require your tenants to carry a renters policy simply for the Liability portion of the policy. Liability is the coverage that protects you from you tenants or your negligence. Like, if you were at your property one day to do some yard work & left the hose out on the sidewalk & the postman trips over… [cont.]
Answered by Punk Rock Gurl - Tue Mar 6 14:27:47 2007
How the home insurance for secondary home different from primary home insurance?
Q. I am renting my home for 4 months and that's why I need to convert my Primary home owner's insurance policy to Land lord policy. But after 4 months I can't change the insurance of my home to Primary home owner policy. But I will have to get the Home owner's insurance for the secondary home which is more expensive then the primary home. I do not live in this house. So is it okay to go for a landlord policy for 4 months and then to secondary home - insurance policy? Is there a risk of very high premium on Secondary policy, could I change the policy back to primary home owner's policy? What are the drawback of a secondary home insurance vs primary home insurance policy. Please help. Thanks.
Asked by Cosmos - Wed Jun 20 12:32:12 2007 - - 3 Answers - 0 Comments
A. Why not just go to an online site that will give you bids from multiple agencies. It's quick and you're not at any risk, and it will give you a ballpark figure to work with and decide what is right for you. .
Answered by MartinM - Sat Jun 23 20:24:40 2007
Q. I am renting my home for 4 months and that's why I need to convert my Primary home owner's insurance policy to Land lord policy. But after 4 months I can't change the insurance of my home to Primary home owner policy. But I will have to get the Home owner's insurance for the secondary home which is more expensive then the primary home. I do not live in this house. So is it okay to go for a landlord policy for 4 months and then to secondary home - insurance policy? Is there a risk of very high premium on Secondary policy, could I change the policy back to primary home owner's policy? What are the drawback of a secondary home insurance vs primary home insurance policy. Please help. Thanks.
Asked by Cosmos - Wed Jun 20 12:32:12 2007 - - 3 Answers - 0 Comments
A. Why not just go to an online site that will give you bids from multiple agencies. It's quick and you're not at any risk, and it will give you a ballpark figure to work with and decide what is right for you. .
Answered by MartinM - Sat Jun 23 20:24:40 2007
Will an insurance company insure our home if there is a unpermitted cottage?
Q. I'm in the process of buying a foreclosure home (Saratoga,CA, can't transfer the insurance since it has already lapsed) that has a detached unpermitted cottage (2 bedrooms, kitchen, bathroom and living room total of 900 sq ft), the main home also has a unpermitted converted garage that is used as a in law quarter (separate entrance and full bathroom), it also has a unpermitted sun room too. I really love the home and tried looking for home insurance but it looks like no one will insure me. Is there anyway I can get insured for this property without having to lie about these unpermitted additions to the insurance company? Any advice would be appreciated and any suggestions which insurance company would insure me for a reasonable price.… [cont.]
Asked by Happy - Thu Sep 13 01:46:21 2007 - - 2 Answers - 1 Comments
A. I think you should go to the local building department (city or county) and apply for as built permits for these unpermitted structures. Although costly, it's better than Code Enforcement coming by, realizing that those additions/properties are unpermitted and going to court, seeking an injunction to have you (1) obtain as-built permits or (2) having them torn down. It is more expensive to have Code Enforcement come in and seek relief from the courts (assuming you don't comply and apply for as built permits) because you may have to pay their attorneys' fees when they win. I believe you apply for as built permits from the Building Department in the city. Make sure you're in the incorporated portion of the city, otherwise you'll have to… [cont.]
Answered by Princess Leia - Fri Sep 14 14:12:15 2007
Q. I'm in the process of buying a foreclosure home (Saratoga,CA, can't transfer the insurance since it has already lapsed) that has a detached unpermitted cottage (2 bedrooms, kitchen, bathroom and living room total of 900 sq ft), the main home also has a unpermitted converted garage that is used as a in law quarter (separate entrance and full bathroom), it also has a unpermitted sun room too. I really love the home and tried looking for home insurance but it looks like no one will insure me. Is there anyway I can get insured for this property without having to lie about these unpermitted additions to the insurance company? Any advice would be appreciated and any suggestions which insurance company would insure me for a reasonable price.… [cont.]
Asked by Happy - Thu Sep 13 01:46:21 2007 - - 2 Answers - 1 Comments
A. I think you should go to the local building department (city or county) and apply for as built permits for these unpermitted structures. Although costly, it's better than Code Enforcement coming by, realizing that those additions/properties are unpermitted and going to court, seeking an injunction to have you (1) obtain as-built permits or (2) having them torn down. It is more expensive to have Code Enforcement come in and seek relief from the courts (assuming you don't comply and apply for as built permits) because you may have to pay their attorneys' fees when they win. I believe you apply for as built permits from the Building Department in the city. Make sure you're in the incorporated portion of the city, otherwise you'll have to… [cont.]
Answered by Princess Leia - Fri Sep 14 14:12:15 2007
How can I buy home insurance if I use one room for my business?
Q. Hello there! I am a freelance web publisher so basically I work from home using my laptop. My husband and I just bought our first home. The other day I was shopping around for home insurance when an agent told me if I run my home business many carriers will mark me as "not eligible" for home insurance. Is this true? How do I get around that? What's the best home insurance company?
Asked by Moon - Tue Sep 8 07:32:27 2009 - - 3 Answers - 0 Comments
A. insurance website:
Answered by Torino - Tue Sep 8 13:16:39 2009
Q. Hello there! I am a freelance web publisher so basically I work from home using my laptop. My husband and I just bought our first home. The other day I was shopping around for home insurance when an agent told me if I run my home business many carriers will mark me as "not eligible" for home insurance. Is this true? How do I get around that? What's the best home insurance company?
Asked by Moon - Tue Sep 8 07:32:27 2009 - - 3 Answers - 0 Comments
A. insurance website:
Answered by Torino - Tue Sep 8 13:16:39 2009
Can I ever get home insurance again if a previous one has been cancelled?
Q. About 1 yr ago I cancelled my DD for my home insurance to cut costs. My bank then said as I never told them directly they have refused my insurance policy and that I would find it difficult to get another policy. I am now looking to start another home insurance policy but they all ask the question if I have been refused before? What does this mean? As it is obviously important to have it as you never know what will happen.
Asked by Mrs Captain - Wed Aug 22 13:48:06 2007 - - 5 Answers - 0 Comments
A. Shouldn't be a problem; if your claims history is clean and credit decent, you should be able to find a company that will start a policy for you. You haven't really been refused, you were cancelled for non-payment. Don't know what the deal is with your bank, you'd think they'd be happy to add an insurer and happier still to escrow the payment.
Answered by ernesto_tig - Wed Aug 22 14:42:24 2007
Q. About 1 yr ago I cancelled my DD for my home insurance to cut costs. My bank then said as I never told them directly they have refused my insurance policy and that I would find it difficult to get another policy. I am now looking to start another home insurance policy but they all ask the question if I have been refused before? What does this mean? As it is obviously important to have it as you never know what will happen.
Asked by Mrs Captain - Wed Aug 22 13:48:06 2007 - - 5 Answers - 0 Comments
A. Shouldn't be a problem; if your claims history is clean and credit decent, you should be able to find a company that will start a policy for you. You haven't really been refused, you were cancelled for non-payment. Don't know what the deal is with your bank, you'd think they'd be happy to add an insurer and happier still to escrow the payment.
Answered by ernesto_tig - Wed Aug 22 14:42:24 2007
I buying my first home in Georgia and need home insurance, what should I pay to have covered?
Q. What do I need to ask to be covered in my home insurance plan?
Asked by Adam S - Wed May 28 12:48:35 2008 - - 4 Answers - 0 Comments
A. Here are some things to consider and ask when comparing policies. What is the liability coverage limits? Do I need excess liability? What are the medical payment limits? Do you need more of either for your purposes (like do you entertain a lot, have hired help on your property, etc.) Does it include worker's comp (in CA it is mandatory) and it is mandated in your state? What is the coverage for out buildings (sheds), fences, yard ornamentation, etc. Are there mold and mildew restrictions? (Many insurers are excluding both after Katrina). Am I in a FEMA flood plane and do I require flood insurance? Do I need tornado insurance? Is wind damage covered? How are payments structured (i.e. do they have nuisance fees if the policy is… [cont.]
Answered by eskie lover - Wed May 28 13:28:05 2008
Q. What do I need to ask to be covered in my home insurance plan?
Asked by Adam S - Wed May 28 12:48:35 2008 - - 4 Answers - 0 Comments
A. Here are some things to consider and ask when comparing policies. What is the liability coverage limits? Do I need excess liability? What are the medical payment limits? Do you need more of either for your purposes (like do you entertain a lot, have hired help on your property, etc.) Does it include worker's comp (in CA it is mandatory) and it is mandated in your state? What is the coverage for out buildings (sheds), fences, yard ornamentation, etc. Are there mold and mildew restrictions? (Many insurers are excluding both after Katrina). Am I in a FEMA flood plane and do I require flood insurance? Do I need tornado insurance? Is wind damage covered? How are payments structured (i.e. do they have nuisance fees if the policy is… [cont.]
Answered by eskie lover - Wed May 28 13:28:05 2008
Who pays for the home insurance when you are owner financing it? Also in the state of Texas what insurance c?
Q. Who pays for the home insurance when you are owner financing it? The seller or the buyer? Also in the state of Texas what insurance companies provide mobile home insurance?
Asked by love - Thu Sep 10 15:09:02 2009 - - 2 Answers - 0 Comments
A. Who's name is on the title, at the registrar of deeds? Until the title is passed to the buyer, the house is just a RENTAL, and needs to be insured that way. If this is a land contract, the SELLER should keep the policy to 1. make sure it gets paid and 2. make sure they have coverage in place, should the contract revert to rental. The buyer should THEN carry a renters insurance policy. If the deed is being transferred immediately, then the BUYER gets the policy. Then the seller just has to hope that the policy gets paid. Most of the time, owner financing is more hassle than it's worth. If the person isn't credit worthy enough to secure a mortgage on their own, they're most likely going to default on YOUR mortgage, also. Then, depending… [cont.]
Answered by leena - Thu Sep 10 15:10:16 2009
Q. Who pays for the home insurance when you are owner financing it? The seller or the buyer? Also in the state of Texas what insurance companies provide mobile home insurance?
Asked by love - Thu Sep 10 15:09:02 2009 - - 2 Answers - 0 Comments
A. Who's name is on the title, at the registrar of deeds? Until the title is passed to the buyer, the house is just a RENTAL, and needs to be insured that way. If this is a land contract, the SELLER should keep the policy to 1. make sure it gets paid and 2. make sure they have coverage in place, should the contract revert to rental. The buyer should THEN carry a renters insurance policy. If the deed is being transferred immediately, then the BUYER gets the policy. Then the seller just has to hope that the policy gets paid. Most of the time, owner financing is more hassle than it's worth. If the person isn't credit worthy enough to secure a mortgage on their own, they're most likely going to default on YOUR mortgage, also. Then, depending… [cont.]
Answered by leena - Thu Sep 10 15:10:16 2009
What kind of lawyer do I need that specializes home insurance policies?
Q. My home got flooded. Insurance denied the claim but I believe I still have a case. What kind of lawyer would I need that specializes in home insurance policies to see if I really do have a case? Sorry, I should have been more specific. My house was flooded due to a pipe burst.
Asked by Hayzen - Thu Feb 5 02:38:37 2009 - - 6 Answers - 0 Comments
A. You need to be much more specific because water damage may be covered in certain circumstances but flood damage is not covered in any circumstance. In the USA no homeowners policy will cover damage due to a flood. Flood damage is specifically excluded. Coverage for flood would have to be purchased through the National Flood Insurance Program (NFIP).
Answered by Tom Z - Thu Feb 5 08:35:35 2009
Q. My home got flooded. Insurance denied the claim but I believe I still have a case. What kind of lawyer would I need that specializes in home insurance policies to see if I really do have a case? Sorry, I should have been more specific. My house was flooded due to a pipe burst.
Asked by Hayzen - Thu Feb 5 02:38:37 2009 - - 6 Answers - 0 Comments
A. You need to be much more specific because water damage may be covered in certain circumstances but flood damage is not covered in any circumstance. In the USA no homeowners policy will cover damage due to a flood. Flood damage is specifically excluded. Coverage for flood would have to be purchased through the National Flood Insurance Program (NFIP).
Answered by Tom Z - Thu Feb 5 08:35:35 2009
Can a home insurance company increase the amount of insurance on your house without your request?
Q. Of course when the amount of insurance in increased, the insurance premium also increases. I have only $125,000 left on the mortgage and insurance company has increased the insurance to cover a value of $305,000. Real estate value of the home is $450,000. My credit rating is excellent and I have not had any insurance claims
Asked by unknown - Thu Sep 10 15:19:52 2009 - - 1 Answers - 0 Comments
A. Yes. Part of the policy condition is that you insure the home to either 80%, 90%, or 100% of the replacement value, on a standard HO3 Homeowners form. So, if you want the type of policy that is NOT a replacement policy, you'll have to get a whole different kind of policy. Of course, a flat rate policy costs about ten times as much as a standard policy. Real estate value, or market value, has NOTHING to do with the cost to rebuild. If the house burns to the ground, the insurance company does NOT have an option to "buy" it from you for the face amount - they are required to rebuild. So, you can do it your way, and pay a way, way, way lot of money for a small amount of coverage, or you can do it the insurance company's way, and insure to… [cont.]
Answered by unknown - Thu Sep 10 15:21:04 2009
Q. Of course when the amount of insurance in increased, the insurance premium also increases. I have only $125,000 left on the mortgage and insurance company has increased the insurance to cover a value of $305,000. Real estate value of the home is $450,000. My credit rating is excellent and I have not had any insurance claims
Asked by unknown - Thu Sep 10 15:19:52 2009 - - 1 Answers - 0 Comments
A. Yes. Part of the policy condition is that you insure the home to either 80%, 90%, or 100% of the replacement value, on a standard HO3 Homeowners form. So, if you want the type of policy that is NOT a replacement policy, you'll have to get a whole different kind of policy. Of course, a flat rate policy costs about ten times as much as a standard policy. Real estate value, or market value, has NOTHING to do with the cost to rebuild. If the house burns to the ground, the insurance company does NOT have an option to "buy" it from you for the face amount - they are required to rebuild. So, you can do it your way, and pay a way, way, way lot of money for a small amount of coverage, or you can do it the insurance company's way, and insure to… [cont.]
Answered by unknown - Thu Sep 10 15:21:04 2009
Will home insurance cover tree roots causing water to enter my basement?
Q. I live in montana, and tree roots have grown under my foundation and drawn up ground water, created a path for the water to follow, and separated my foundation from my footing allowing water to enter my basement. Will any home owner's insurance cover this type of damage or repair? It is a city tree, would they be liable? Thank you.
Asked by kmcdonald - Fri Nov 23 06:19:30 2007 - - 4 Answers - 1 Comments
A. No, for several reasons: 1. Tree roots are a maintenance issue. 2. Foundation damage is specifically excluded on the standard policy, except by fire 3. Water damage, from water seeping/leaking into the basement, is considered flood, and also excluded on the homeowners policy. The city isn't liable. Any part of the tree on YOUR property, is YOUR responsibility - including the roots. Sorry, you'll have to get this done on your own.
Answered by mbrcatz - Fri Nov 23 09:40:18 2007
Q. I live in montana, and tree roots have grown under my foundation and drawn up ground water, created a path for the water to follow, and separated my foundation from my footing allowing water to enter my basement. Will any home owner's insurance cover this type of damage or repair? It is a city tree, would they be liable? Thank you.
Asked by kmcdonald - Fri Nov 23 06:19:30 2007 - - 4 Answers - 1 Comments
A. No, for several reasons: 1. Tree roots are a maintenance issue. 2. Foundation damage is specifically excluded on the standard policy, except by fire 3. Water damage, from water seeping/leaking into the basement, is considered flood, and also excluded on the homeowners policy. The city isn't liable. Any part of the tree on YOUR property, is YOUR responsibility - including the roots. Sorry, you'll have to get this done on your own.
Answered by mbrcatz - Fri Nov 23 09:40:18 2007
How can I find out if a deceased relative had a home insurance policy?
Q. My mother-in-law died recently and her heirs are going through her papers to settle the estate. However, paperwork for home insurance hasn't been found. Though it's possible she didn't have insurance, we want to find out if she did. How can we do so?
Asked by Brian113 - Wed Dec 2 16:36:57 2009 - - 5 Answers - 0 Comments
A. You look at her cancelled checks for the past year. If she didn't write a check for homeowners insurance, she didn't have any. There is absolutely no other way to find out. There's no 'central database' and no agency tracks those records.
Answered by mbrcatz - Wed Dec 2 18:20:10 2009
Q. My mother-in-law died recently and her heirs are going through her papers to settle the estate. However, paperwork for home insurance hasn't been found. Though it's possible she didn't have insurance, we want to find out if she did. How can we do so?
Asked by Brian113 - Wed Dec 2 16:36:57 2009 - - 5 Answers - 0 Comments
A. You look at her cancelled checks for the past year. If she didn't write a check for homeowners insurance, she didn't have any. There is absolutely no other way to find out. There's no 'central database' and no agency tracks those records.
Answered by mbrcatz - Wed Dec 2 18:20:10 2009
What is the best home insurance?
Q. I am looking to get a home insurance for the flat that I am planning to buy soon. Do you know a good home insurances that I could get? How much would it cost me to insure my flat and the content? Are there any issues that I should be aware with home insurances?
Asked by Dafni C - Thu Dec 4 13:52:32 2008 - - 4 Answers - 0 Comments
A. The 'best' home insurance depends on what you consider best. It could be price, customer service or the depth of cover. Make sure you read the policy descriptions thoroughly and make sure it covers you for the types of emergency/problems you feel you need.
Answered by grahambeale - Thu Dec 4 15:27:27 2008
Q. I am looking to get a home insurance for the flat that I am planning to buy soon. Do you know a good home insurances that I could get? How much would it cost me to insure my flat and the content? Are there any issues that I should be aware with home insurances?
Asked by Dafni C - Thu Dec 4 13:52:32 2008 - - 4 Answers - 0 Comments
A. The 'best' home insurance depends on what you consider best. It could be price, customer service or the depth of cover. Make sure you read the policy descriptions thoroughly and make sure it covers you for the types of emergency/problems you feel you need.
Answered by grahambeale - Thu Dec 4 15:27:27 2008
Who has the cheapest home insurance policies in California?
Q. Time to renew and I need to start shopping around. So who has the cheapest home insurance policies in California? My House is worth 1.4 mil. I'm having a hard time with ins. bec.even though it was built in 1927, I purchased it completely remodeled and refurbished with everything up to date however I dont have the paperwork for the work done from the previous owners to provide for the insurance compan stating so.
Asked by tonie - Thu Jun 11 15:26:55 2009 - - 1 Answers - 0 Comments
A. You get what you pay for. If you are looking just at price, technically California Fair Plan is a good choice. It's bare bones property coverage for dirt cheap. But...it's designed for people who cannot get coverage anywhere else. It's the strip-down, fire-only type coverage. It does not offer liability, and it is generally NOT replacement cost, so you could be shooting yourself in the foot trying to save a buck by underinsuring your house. Just ask those who's homes were distroyed this year. I am sure a fair number of them are regretting looking at JUST the bottom line. If you are looking for REAL coverage, ie: take care of your assets, look around and compare notes. How much are you trying to cover? Do you have discounts available (like… [cont.]
Answered by wilhelmina - Thu Jun 11 15:28:48 2009
Q. Time to renew and I need to start shopping around. So who has the cheapest home insurance policies in California? My House is worth 1.4 mil. I'm having a hard time with ins. bec.even though it was built in 1927, I purchased it completely remodeled and refurbished with everything up to date however I dont have the paperwork for the work done from the previous owners to provide for the insurance compan stating so.
Asked by tonie - Thu Jun 11 15:26:55 2009 - - 1 Answers - 0 Comments
A. You get what you pay for. If you are looking just at price, technically California Fair Plan is a good choice. It's bare bones property coverage for dirt cheap. But...it's designed for people who cannot get coverage anywhere else. It's the strip-down, fire-only type coverage. It does not offer liability, and it is generally NOT replacement cost, so you could be shooting yourself in the foot trying to save a buck by underinsuring your house. Just ask those who's homes were distroyed this year. I am sure a fair number of them are regretting looking at JUST the bottom line. If you are looking for REAL coverage, ie: take care of your assets, look around and compare notes. How much are you trying to cover? Do you have discounts available (like… [cont.]
Answered by wilhelmina - Thu Jun 11 15:28:48 2009
Where do you find singlewide mobile home insurance companies?
Q. I need to find an insurance company to cover my 1989 mobile home trailor.It is located on my own property.
Asked by daphine - Thu Sep 10 16:19:34 2009 - - 2 Answers - 0 Comments
A. Check out this site, if you want to find the cheapest home insurance just in one minute, Here you can get free quotes from different home insurance companies in your area, its the best way to find an afforable home insurance with a reliable company. Best Wishes,
Answered by stefanie - Thu Sep 10 16:20:18 2009
Q. I need to find an insurance company to cover my 1989 mobile home trailor.It is located on my own property.
Asked by daphine - Thu Sep 10 16:19:34 2009 - - 2 Answers - 0 Comments
A. Check out this site, if you want to find the cheapest home insurance just in one minute, Here you can get free quotes from different home insurance companies in your area, its the best way to find an afforable home insurance with a reliable company. Best Wishes,
Answered by stefanie - Thu Sep 10 16:20:18 2009
How much is home insurance per year in South Florida ?
Q. Were purchasing a home around 300,000 how much is insurance yearly ? Anyone pay around this much ?
Asked by ISRAEL R - Tue Aug 7 20:59:26 2007 - - 4 Answers - 0 Comments
A. It doesn't work that way. It's ALSO based on the age of the house, your credit score, the claims history of both you and the house, etc. And the bad news is, there isn't any competition for homeowners insurance in FL - you're GOING to end up with the state fund, Citizens. The homeowners part of it will cost you about $3,000 a year. The FLOOD insurance part will likely cost you about $1500 - but the MOST flood coverage you can get is $250,000, so you'll be needing to put at least $50,000 down on the house or you won't be able to get the mortgage. Then the WIND coverage is probably going to run you about $5,000. Total insurance cost . . . budget $10,000, and you should be slightly under.
Answered by mbrcatz - Tue Aug 7 21:12:06 2007
Q. Were purchasing a home around 300,000 how much is insurance yearly ? Anyone pay around this much ?
Asked by ISRAEL R - Tue Aug 7 20:59:26 2007 - - 4 Answers - 0 Comments
A. It doesn't work that way. It's ALSO based on the age of the house, your credit score, the claims history of both you and the house, etc. And the bad news is, there isn't any competition for homeowners insurance in FL - you're GOING to end up with the state fund, Citizens. The homeowners part of it will cost you about $3,000 a year. The FLOOD insurance part will likely cost you about $1500 - but the MOST flood coverage you can get is $250,000, so you'll be needing to put at least $50,000 down on the house or you won't be able to get the mortgage. Then the WIND coverage is probably going to run you about $5,000. Total insurance cost . . . budget $10,000, and you should be slightly under.
Answered by mbrcatz - Tue Aug 7 21:12:06 2007
Is it a good idea to put your home insurance into an escrow?
Q. Some people are telling me yes and some people say that it's a bad idea because your mortgage company can make your insurance payment late. What do you think? I'm a first time home buyer so I'm so lost. Thanks.
Asked by Texas Rose - Tue Dec 9 16:44:53 2008 - - 7 Answers - 0 Comments
A. Been doing it for 20 years with no problem.
Answered by bud68 - Tue Dec 9 17:00:16 2008
Q. Some people are telling me yes and some people say that it's a bad idea because your mortgage company can make your insurance payment late. What do you think? I'm a first time home buyer so I'm so lost. Thanks.
Asked by Texas Rose - Tue Dec 9 16:44:53 2008 - - 7 Answers - 0 Comments
A. Been doing it for 20 years with no problem.
Answered by bud68 - Tue Dec 9 17:00:16 2008
How much home insurance & tax for a cheap studio?
Q. I know 0 about this: are home insurance rates annual or monthly? Could someone give me just a very rough idea about how much a cheap studio's home insurance & tax would cost? (in upstate ny)
Asked by charolette - Sat Sep 12 16:43:36 2009 - - 2 Answers - 0 Comments
A. Check out this site, if you want to find the cheapest home insurance just in one minute, Here you can get free quotes from different home insurance companies in your area, its the best way to find an afforable home insurance with a reliable company. Best Wishes,
Answered by berta - Tue Sep 15 10:50:27 2009
Q. I know 0 about this: are home insurance rates annual or monthly? Could someone give me just a very rough idea about how much a cheap studio's home insurance & tax would cost? (in upstate ny)
Asked by charolette - Sat Sep 12 16:43:36 2009 - - 2 Answers - 0 Comments
A. Check out this site, if you want to find the cheapest home insurance just in one minute, Here you can get free quotes from different home insurance companies in your area, its the best way to find an afforable home insurance with a reliable company. Best Wishes,
Answered by berta - Tue Sep 15 10:50:27 2009
Will my home insurance pay for tree removal?
Q. I have a rental property which has five 40ft gum tree's down the back yard. Someone has drilled them all and poisoned them and their all dead and need to be removed. Because this is a criminal act of Malicious Damage which has happened on my property, will my general home insurance cover me to have the tree's removed?
Asked by Peter - Sat Dec 12 19:50:54 2009 - - 5 Answers - 0 Comments
A. I cannot give you an answer, although I can tell you what happened to us. There was a large pecan tree on our property line. Clearly a hazard tree as its limbs hung over our home. I had contacted our insurance company. We had no claim, therefore no money. A large limb fell out and punched 2 holes in our roof. I called insurance, they sent an adjuster. He immediately noticed the hazard...and also noticed several other small repairs had been required as the result of the hazard tree. He gave us a complete new roof. Which was not necessary...although it gave us enough money to have the tree taken down. It's a backasswards way of getting something accomplished...but hey...how else do you deal with an insurance company?
Answered by Rondi - Sun Dec 13 10:57:09 2009
Q. I have a rental property which has five 40ft gum tree's down the back yard. Someone has drilled them all and poisoned them and their all dead and need to be removed. Because this is a criminal act of Malicious Damage which has happened on my property, will my general home insurance cover me to have the tree's removed?
Asked by Peter - Sat Dec 12 19:50:54 2009 - - 5 Answers - 0 Comments
A. I cannot give you an answer, although I can tell you what happened to us. There was a large pecan tree on our property line. Clearly a hazard tree as its limbs hung over our home. I had contacted our insurance company. We had no claim, therefore no money. A large limb fell out and punched 2 holes in our roof. I called insurance, they sent an adjuster. He immediately noticed the hazard...and also noticed several other small repairs had been required as the result of the hazard tree. He gave us a complete new roof. Which was not necessary...although it gave us enough money to have the tree taken down. It's a backasswards way of getting something accomplished...but hey...how else do you deal with an insurance company?
Answered by Rondi - Sun Dec 13 10:57:09 2009
Why does the premium drop when you add home insurance to an car insurance?
Q. When one has car insurance alone, insurance companies state that if one is to also get home insurance from the same company, the sum of the two insurances will be less than the original car insurance alone... Why should insurance companies take less premium for providing more service?
Asked by Galactus - Tue May 19 12:39:26 2009 - - 1 Answers - 0 Comments
A. Many companies offer a discount for bundling services as a way to attract more business. Same as the cable company giving you a discount when you add internet or phone service.
Answered by Echo Two - Tue May 19 12:45:28 2009
Q. When one has car insurance alone, insurance companies state that if one is to also get home insurance from the same company, the sum of the two insurances will be less than the original car insurance alone... Why should insurance companies take less premium for providing more service?
Asked by Galactus - Tue May 19 12:39:26 2009 - - 1 Answers - 0 Comments
A. Many companies offer a discount for bundling services as a way to attract more business. Same as the cable company giving you a discount when you add internet or phone service.
Answered by Echo Two - Tue May 19 12:45:28 2009
Do you know about home insurance paying for new windows?
Q. I live in a moblile home and have double pane windows. My windows sweat and cause the wood on the inside to be damp and if they aren't molded already the will be. Has anyone had this happen and will the insurance company pay for them to be fixed or is there a way for me to fix the myself where they won't sweat?
Asked by alex-mommy - Mon Nov 2 21:50:42 2009 - - 2 Answers - 0 Comments
A. The insurance will not cover that. Insurance does not cover what would probly be considered a "maintenance issue". You might try Home Depot or repost under a construction category or something similar. Also, try DIY network.
Answered by car253 - Tue Nov 3 11:15:11 2009
Q. I live in a moblile home and have double pane windows. My windows sweat and cause the wood on the inside to be damp and if they aren't molded already the will be. Has anyone had this happen and will the insurance company pay for them to be fixed or is there a way for me to fix the myself where they won't sweat?
Asked by alex-mommy - Mon Nov 2 21:50:42 2009 - - 2 Answers - 0 Comments
A. The insurance will not cover that. Insurance does not cover what would probly be considered a "maintenance issue". You might try Home Depot or repost under a construction category or something similar. Also, try DIY network.
Answered by car253 - Tue Nov 3 11:15:11 2009
From Yahoo Answer Search: 'Home insurance'
Fri Mar 12 16:44:37 2010 [ refresh local cache ]
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Stuttgart Daily Leader
Only flood insurance protects your most important financial assets, your home and your personal property from floods. Regular homeowners insurance does not ...
Action Line: More advice on flood maps San Jose Mercury News
FEMA's new flood maps go too far, some cities say Seattle Times
Property mistaken as flood plain [Tulsa World, Okla.] Insurance News Net (press release)
The SunBreak (blog) - Ethiopian Review
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John Bellafonte
hu, 11 Mar 2010 08:54:40 GM
A home is most peoples' pride and joy. There are untold hours of labor and financial outlay improving not only the within, but the outside and surrounding property as well. . Home insurance. is one approach to protect the foremost valuable ...
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