Home & Property Insurance

Renters Insurance - do you have it?

invalid@example.com (Lostvalleyguy) — Sun, 07 Jan 2018 21:53:56 +0000

This is on my "Must Do" list yet it never gets done. I have always reasoned that if someone else starts a fire in my building, I would go after them for compensation. Dumb, I know! So, my questions is do you carry it and how much is a reasonable amount of coverage?

How Did You Get Y Our Insurance Cover?

invalid@example.com (lucykey) — Fri, 20 Oct 2017 05:05:57 +0000

Insurance companies find it hard to get new customers for their services due to customer's perception towards their services. This makes them to create awareness to their customers by advertising or even by hawkingfor their services by going to offices and other companies in search of potential customers who can invest in their services.

How did you get to know about your insurance company?

Flood Insurance

invalid@example.com (Athenagdlyt) — Fri, 01 Sep 2017 09:59:40 +0000

Does flood insurance still exist? I mean, for real? I remember that my parents have collected insurance claims from flood damages. But that was two decades ago. Eventually, the insurance companies in our country removed flood damages from their coverage. Our country is a typhoon zone. Flooding has become a common occurrence these past few years.

How about in your area? In Mississippi, do insurance companies remove coverage for flood damages? If the place is prone to bushfire, do...

Is There A Penalty For Defaulting On Insurance Payments?

invalid@example.com (remnant) — Sat, 29 Oct 2016 21:16:22 +0000

Due to financial constraints, there are times when one is unable to service their insurance payments in time. In other instances, there is the possibility of defaulting on the same. I wonder whether one can negotiate an arrangement to pay twice in case of a default. Is there a penalty attached to this?

Home Warranty - Yes Or No

invalid@example.com (MrsJones) — Tue, 27 Sep 2016 14:00:31 +0000

A while ago I received mail to purchase a home warranty. This is something that as a one time homeowner I was skeptical about due to lack of knowledge. I just happened to be visiting with my neighbor and she mentioned how she utilized this service for her home to the point that she upgraded her warranty to include appliances. I was very interested so she gave me a referral card. Do you have a home warranty and how has it worked for you?

reading the fine print

invalid@example.com (messlisa) — Wed, 07 Sep 2016 16:02:20 +0000

protecting your assets is a smart investment..no one knows when tragedy will strike, but be sure the coverage you are paying for is the type of coverage you want...some insurance companies leave out the flood and fire coverage and it ca be devastating to lose your property due to not reading the fine print

Have You Ever Switched Your Homeowner's Insurance?

invalid@example.com (MrsJones) — Tue, 06 Sep 2016 21:13:53 +0000

I switched homeowner's insurance only two times in 16 years. The first time was because the rates increase so much monthly that it affected my budget drastically. The second time was because of the service that I received from the agency was confusing and created so many problems that I feared it would be cancelled. This is why I ask the question have you ever switched homeowner's insurance.

There was so much information that was not explained initially that being a first time homeowner...

Notice To Cancel Homeowners Insurance

invalid@example.com (MrsJones) — Wed, 18 May 2016 13:37:11 +0000

I switched insurance companies late last year. After a couple of months I received a notice to cancel my homeowner's insurance if certain repairs were not completed by a given date. I didn't understand so I called to ask 'why?' Apparently an inspection was to have occurred within 30 days but didn't. Of course I was upset because I wasn't informed about this inspection beforehand so that I could have these repairs done rather than receive a letter of cancellation afterward.

When I called...

Geico For Homeowners

invalid@example.com (ReadWriteLearnLove) — Wed, 18 May 2016 13:33:24 +0000

I'm shopping around and checking rates for both auto and homeowners insurance. The best rates, by far, are Geico. I've had them in the past for auto insurance and had no complaints, although I can't remember if we actually filed any claims with them or not. I'm just wondering if anyone has used them for Homeowner's insurance, and if so, how was your experience?

Does renting rooms in your house elevate your house insurance?

invalid@example.com (jtucci21) — Wed, 18 May 2016 13:29:24 +0000

Pretty much as the topic says - I'm wondering if renting rooms in my house would increase my house insurance. I'd still be living there

Why Does Subsidence Increase Premiums?

invalid@example.com (Hedonologist) — Sat, 09 Apr 2016 04:00:42 +0000

Surely once you have corrected subsidence, the cost of home insurance should plummet, as the problem has been fixed for a century. The reality is much different, with premiums usually surging after a claim.

Insuring Cell Phones On Homeowners Insurance

invalid@example.com (PunkinPie) — Sat, 27 Jun 2015 04:01:28 +0000

Did you know that in most cases you can forego the expensive insurance plan included in your cell phone bill to cover your device and insure it on your homeowners insurance? While most people pay 10-20 a month to insure a cell phone with their wireless carrier you can usually secure coverage on your personal home policies for just a couple dollars a month. The deductible is usually a lot less or even nothing at all depending on the options available and what you want to pay.

Not all...

RV Insurance

invalid@example.com (davbopol13) — Fri, 26 Jun 2015 05:20:05 +0000

Is having rv insurance like having homeowners insurance, or vehicle insurance? My husband and I are going full time in our rv, we were told not to tell the insurance company that we were living in the rv, the price would go through the roof! Has anyone had experience with this?

Were You Able To Purchase Mortgage Insurance?

invalid@example.com (MrsJones) — Sun, 29 Mar 2015 23:02:14 +0000

I remember when when first purchased our home that we were offered insurance that if there was a loss of life by either my husband or me the mortgage would be paid off completely. It was lost after life's curve ball of unfortunate circumstances landed the mortgage with another bank.

Are you aware of this type of insurance? Were you able to purchase mortgage protection insurance when you purchased you home? Would you purchase this type of insurance? If not, why?

Condominium Insurance

invalid@example.com (Peninha) — Mon, 16 Feb 2015 13:44:30 +0000

I think that most buildings have insurance for the common parts, called condominium insurance. The issue with mine is that it's a really old building and the premium has been raising a lot! I've asked around, but the prices aren't much better... So I am wondering that we are better off without an insurance. What's your opinion?

Does your homeowners insurance cover floods?

invalid@example.com (bonniea) — Fri, 19 Dec 2014 03:00:08 +0000

Recently I have seen ads saying that homeowners does not cover flood insurance and trying to sell you a separate flood policy. I am waiting on a copy of my full policy so I can read through it. I wonder if it is cheaper to add a flood policy with my existing company or to go with a company that specializes in flood insurance. Also when should we have flood insurance? Is it really necessary?

Do you have insurance that covers gas and water lines?

invalid@example.com (MrsJones) — Thu, 18 Dec 2014 22:56:09 +0000

I received mail from a company that was selling insurance to cover gas and water/sewage lines that extend from the home to the public utilities' lines. I've been a homeowner for 15 years and this is the first I've heard of it. I thought it was a scam so I called the Better Business Bureau. The only information I acquired was that the business was legit. I reached out further and call the city water and found out that the service is indeed legit and they gave me the name and number of a...

Do you list expensive jewelry on your property insurance?

invalid@example.com (True2marie) — Wed, 29 Oct 2014 23:57:42 +0000

A lot of home/property insurance policies have a clause that covers jewelry. Do you inform your insurance carrier every time you purchase an expensive piece? If I were you, I would. Jewelry depreciates greatly so you want a record somewhere that can help you in the even the item is stolen.

Saving on insurance for your stuff.

invalid@example.com (Lostvalleyguy) — Wed, 26 Mar 2014 18:50:41 +0000

For larger items such as a home or a car, we tend to shop around for the best coverage. When it comes to insuring our other possessions, however, we often simply use the place that we go to for our other types of insurance. While sometimes you can save by bundling your insurance, this is not always the case.

The internet is a great resource to shop around for insurance. You can look at what is available and often fill in a few boxes and get an estimate. Talking to an insurance agent...

Building insurance

invalid@example.com (Peninha) — Tue, 25 Mar 2014 15:26:14 +0000

I live in an old building, probably from 1948, and we pay almost 500€ per year of insurance. The problem is when something happens the insurance almost pay us nothing, we also can't change insurance because the building is too old and no insurance company wants to secure it before we improve it. Should we just cancel the insurance?

Home emergency cover Vs Boiler Insurance

invalid@example.com (ghostwheel) — Sat, 01 Mar 2014 11:44:52 +0000

I'm looking to save money by ditching my boiler insurance which is costing me around £16 a month - this includes an annual service and cost of any call out, parts and labour (I'm in the UK)

My house insurance is due a renewal and I've noticed an extra of "Home Emergency Cover" which will cost around £60 per year. Apparently it covers any home emergency which includes boiler problems as well though it doesn't include an annual service and has a limit of £500 per claim.

Has anybody had...

Buying real estate property online

invalid@example.com (etc) — Sun, 15 Dec 2013 01:37:51 +0000

I wonder if anyone will be interested if a website offer such kind. I believe the Philippines' law on real estate allow people from other country to own a condominium unit so I'm sure anyone from US or Europe can acquire a condo unit. Eventually though the client must show up for the documentations and some papers to sign. Would anyone be interested?

Do you read your policy?

invalid@example.com (dissn_it) — Sun, 17 Nov 2013 20:01:53 +0000

I used to work for an insurance agent who said they were always surprised by how many people actually never read their homeowners policy. How do you know if you have the right coverage if you never read it? In some cases, any changes or additions to your home may not be covered unless you get an endorsement. If you do any renovations or add a shed for storage, you may want to check with your agent to be sure you have the right coverages. We have had renovations and sheds damaged in storms...

Contents insurance

invalid@example.com (caparica007) — Wed, 23 Oct 2013 10:35:08 +0000

I have a contents insurance for my flat, but I never needed it. I think it's a safe thing, in case of a flood or something the insurance pays for all my damaged goods and I only pay around 30€ ($45) per year. Do you have contents insurance?

Home Owners Insurance In Another Person's Name?

invalid@example.com (pafjlh) — Sat, 08 Jun 2013 06:50:47 +0000

I wanted to ask a question here and find out if any of you would know the answer. Lets say that your home owner's insurance is in someone else name. For example your father or mother, even your spouse. But then they suddenly die, and this insurance is in their name. Will this effect the policy, will the policy be dropped if the company finds out that the person on the policy is now deceased. I am curious to know if any of you have any idea what this would mean to the insurance policy.

The importance of reading the fine print within your home owners insurance

invalid@example.com (messlisa) — Tue, 07 May 2013 19:22:06 +0000

Just like a wide variety of companies, Insurance Companies are no exception, they too have fine print that we fail to see. This can be very vital, for there may be limitations to severe damages such as flooding and fire, or they may not cover them at all. I thought my home was covered, but failed to see the fine print, and it cost my family greatly. Has anyone else experienced events like these?

What is covered by your home owners insurance?

invalid@example.com (Pat) — Tue, 02 Apr 2013 02:06:53 +0000

Check your policy to make sure you know what is covered, you maybe in for a surprise. If you have a water overflow in your house when you call your insurance company do not tell your insurance company that you had a flood in your house unless you have flood insurance coverage on your home.