Question: #1: home insurance?
i live in southern california and my home value is 600,000. I pay 2,200 for insurance every 6 months. i think this is a little too high but would like to know if this is average. When i bought the house i was too excited that i didnt even talked to my insurance agent, who is located in Fresno, Ca. I do live near a school could that also be the reason why my home insurance is so high? Could the location make any different? Can i also change insurance or will there be a penalty? I have no clue? My insurance is through Farmer. thanks in advance!!!!!
- asked by jasMINe
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- answered by: Richard_CA View All Answers (2)
Question: #2: Home insurance?
I am buying a home. How do I find a home insurance company? Will my mortgage company help me with that?
- asked by Andrea
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- answered by: glamorous View All Answers (6)
Question: #3: Home Insurance?
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
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- answered by: Punk Rock Gurl View All Answers (9)
Question: #4: What insurance agency that will take up insurance on a mobile home?
I got a home from clayton homes that I had about ten years now . A they home insurance for a mobile home is riduclious and the insurance on my home go up every year and the name of their insurance ageny that they gave me was Home first agency inc. And their insurance is too high. Is their any other insurance company that will take insurance on a mobile home.
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- answered by: mbrcatz
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Question: #5: Why is home insurance limited to each and every different type of disaster?
The home is either livable or NOT livable...it matters NOT what disaster ruined the home.. Why then is it that you have to pay extra for each different type of circumstance? An accident is an accident.... a disaster is a disaster... the home can only be burned, flooded, distroyed by earthquake / tornado / hurricaine ONCE.. why pay for all the different ways insurance-wise? How covered is covered? And WHY !!!! Why?? Is it if you Never have any type of claim you aren't refunded some of that money you spend year after year after year? Again, once you've paid in insurance the amount of the home value.. what difference does it make if you replaced the home 'money-wise' already in insurance premiums? Why not spend those premiums on a second home instead? Just shooting in the dark here of the many complaints I have heard ranted from my elders recently.. their solutions were hysterical.. I'd love to hear more solutions.
- asked by Craptacular Wonderment
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- answered by: Don,The
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Question: #6: Will an insurance company insure our home if there is a unpermitted cottage?
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. Thank you in advance.
- asked by Happy
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- answered by: Princess Leia
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Question: #7: Why home insurance companies are sensitive to lapses in the insurance?
When I shop for a home insurance I am always asked if my home is currently insured or if there are lapses in my insurance policy. Some companies outright refuse to give me a quote when I tell them that I haven’t had home insurance in the last 3-4 months. I am wondering why this is important for them?! They just referred to their company policy and did not give me any meaningful reasoning. Thank you for your answer.
- asked by Egina
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- answered by: Sagar T
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Question: #8: Who pays for the home insurance when you let your house?
I ask this question on behalf of my friend, who lives in Malaysia. He wants to know what the law in England will be in this case.My friend is gonna let his house to another, so that he can have some income. A question arises: They need to buy a home insurance in case there is an accident like fire. Apparently in Malaysia, a homeowner doesn't have to buy insurance for his house.So in this case, who should pay for the home insurance, the homeowner or the tenant? I mean, the rental period is 2 years, and the insurance, if paid, will cover for 2 years only.
- asked by fantasyvn2002
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- answered by: jane
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Question: #9: How can I buy home insurance if I use one room formy business?
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?
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Question: #10: Whats the difference between home insurance and rental insurance?
for my rental property? Is it a good idea to switch home insurance to rental insurance when a tenant is living in my rental property just in case if they smashed some holes on the wall, or some damages on the property? Thanks!
- asked by Magnix2k
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- answered by: Landlord
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Question: #11: Does home insurance cover when you rent out the house and the tenant causes a house fire?
Does home insurance cover when I rent out the house and the tenant causes a house fire (assuming the house completely burnt down)? If not, do I need to buy landlord's insurance or ask the tenant to buy renter's insurance? Thanks
- asked by rlou
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- answered by: Katie W
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Question: #12: Is it standard procedure for home insurance agentsto visit your house before they insure it?
I was told by my ex that a home insurance agent was coming to look at the INSIDE of my house. I was under the impression only appraisers came to look at the inside of your home. Do home insurance agents do that now too? What's the cheapest home insurance?
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Question: #13: What is the cheapest home insurance in southern california?
I have heard that there is a california state home insurance program that you can get the cheapest property insurance, Does anybody know what it is called and how can i get a quote?
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- answered by: mbrcatz
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Question: #14: Can I ever get home insurance again if a previous one has been cancelled?
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
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- answered by: ernesto_tig
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Question: #15: How long does it take for home insurance to replace personal property loss?
Our home was broken into last night. Police report made. Reported to the insurance company. Anyone know how long this type of thing takes to process and get the items replaced/$? This is Liberty Mutual Home Insurance.
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- answered by: mbrcatz
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Question: #16: Can my home insurance raise their price for owning a bully breed if it's a service animal?
I am getting a pit bull as a service dog; she will be official. My question is this: in the state of Colorado, can the insurance company raise the price of our home insurance for having a 'bully breed', if she is a service dog? Or is that an infringement upon my rights as a disabled person?
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- answered by: lil_farfa
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Question: #17: Home Insurance: Do you usually have to inform theInsurance company if you have just had a child?
I've had home insurance since before my boy was born, he is 1yo now. I was just thinking that since you are much more likely to have accidents and breakages with children running around the house that insurance companies would want to be informed (so they can put your premiums up). I can't find the papers anywhere so please don't bother saying ''oh, read the small print damn it''Thanks.
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Question: #18: What is the cheapest car and home insurance?
The car insurance would cover for 2 people, me and my mother. The home insurance would be for our apartment. She asked me to look this up for her and I have no idea where to start. A little guidance would be great? Thanks :]
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- answered by: Entidtil View All Answers (4)
Question: #19: How do you check out a home insurance company?
It's time to renew my home insurance policy but I don't like the company I currently have and made a mental note to change to another company. How do you check an insurance company out?
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- answered by: Margarita D View All Answers (5)
Question: #20: I buying my first home in Georgia and need home insurance, what should I pay to have covered?
What do I need to ask to be covered in my home insurance plan?
- asked by Adam S
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- answered by: eskie lover
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Question: #21: What do you know about home insurance involving a fire?
My friend had a fire in her home, during the final days of the sale. The insurance company is trying to prove fraud on her part, which there is none, and she has not paid out since Sept. 28, 2006. She is going for a polygraph test later next month, in the mean time she has no where to live, they have given her $2500 living allowance and refuse to give her more at this time. Any suggestions on what she can or should do?
- asked by pepermint p
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- answered by: Faye H
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Question: #22: how much is home insurance in north natomas ofsacramento?
We are planning to buy a home in north natomas sacramento area. We are just curious as to how much insurance might cost in this area including flood insurance considering it is in a flood zone. We are planning to spend approximatly $200,000.
- asked by ali m
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Question: #23: Is an appraisal on new home required to obtain home insurance?
I am buying a home that is owned by Fannie Mae and is not going to be required to have an appraisal because I am financing through Fannie Mae Homepath. However I heard that when you shop for home insurance that they usually ask for appraisal information. Being I am not having an appraisal is it going to be difficult to get home insurance?
- asked by A_247
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- answered by: djstwain
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Question: #24: How much should I expect to spend on homeinsurance?
I am planning a home purchase and I want to budget my monthly payment. In the area where I live, I expect to pay approx 650K for a 3bed, 2 bath home. When I calculate my monthly payment, I want to know the Home Insurance component as well as Property Tax for Fremont, CA if possible.
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Question: #25: How are home insurance rates in hawaii?
I'd like to buy close to the water (would be impacted by hurricanes). FLA is ridiculous now-cant get insurance near the water for entire home value. Thought Hwi might be better since they dont get hit so much.
- asked by srar
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- answered by: Wocka wocka View All Answers (2)
Question: #26: Who pays for the home insurance when you are ownerfinancing it? Also in the state of Texas whatinsurance c?
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?
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Question: #27: Who collects insurance off of a stolen computer from a home office?
I ran a business from my home. My house was broken into. The company computer was stolen? I filed a claim for all things stolen with my home insurance. Am I obiligated to pay the business back that replaced the computer with the money I received from the insurance claim?
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- answered by: Landlord
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Question: #28: When do you stop paying home insurance on a foreclosed home?
Our house was not sold at auction and now reverted to lender? We kept up with the home insurance. When does our obligation end for the home insurance? The realtor we talked to that was assigned to the home said we would be given 14 to 30 days before we had to move out. He would work on the 30 days. Our insurance is due the 25th are we still obligated to pay the insurance past that point or has the lender put their own insurance on the home? Our insurance agent has not returned my call into him.
- asked by MKD
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- answered by: Margarita D
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Question: #29: How much is your home insurance premium in Toronto east neighborhood?
Please give me an idea of your home insurance premiums if you live in a neighborhood in Toronto East. For example, I was quoted $1,046/year by a company for a semi-detached home. I'd like to do a really loose comparison.
- asked by Rae
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- answered by: Tony Q
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Question: #30: Is there an advantage to getting your auto and home insurance through the same company?
I'm a first time homeowner preparing to purchase my first house, and I'm looking into auto and home insurance rates. It looks like my best bet is to go with Progressive for auto and Liberty Mutual for home insurance, but I was wondering if there's any advantage to getting both insurances under the same company. I've looked at rates at other companies, and either the auto or the home insurance at the same company is just way too high.
- asked by iamshaneihaveaface
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- answered by: mbrcatz
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