 Pregnant with no insurance? |
| First of all, please no criticisms. I am six weeks pregnant and have no health insurance. This past year my fiance (this is his account that's why the avatar is a guy) claimed me on his taxes as ... |
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 Is it better to cancel health insurance when it reaches $1700/Month for a young family of four? |
Additional Details
I'm a 35 Yr. old smoker, but what worrys the insurance is that they put out $15,000 for my 5 yr. old son on an MRI and an EEG to diagnose seizure activity (he ... |
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 If the Rapture occurs just any time, without us being able to predict it, why do so many Christians worry? |
| These are the same Christians who pass hours worrying about investing, whether in IRAs or CDs, and what is the market like, and whether their children will "do well." What's the big ... |
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 Does homeowner's insurance cover renters? |
I'll be renting my house soon and I was wondering if my homeowner's insurance will still be effective? Some concerns are:
1. Is HO insurance still active if the house is no ... |
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 Sue Insurance, Mortgage or both? |
I am just if my parents are able to sue their homeowners insurance, mortgage company or both.
They bought a house 4 years ago and about 1 year ago it started going to hell. It needs a new roof, ... |
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 Life insurance after 65? |
| where do i find life insurance after 65. i am retired and wanting to leave my kids as much as possible so im asking where do i look.... |
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 HELP!!! can anybody to put that in plain english? please...? |
| C.A.Risk. Exclusion clause: any agreement by the Insured to pay any sum by way of indemnity or otherwise unless such liability would have attached also in the absence of such ... |
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 Will getting my permit make my moms insurance go up? |
| she's buying a car next month. and i wanted to know if i got my permit before then will it make her car insurance. or is that just if you get your license.... |
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| If I fell at home and it resulted in a major injury can I file a claim with my homeowners policy? |
| I know if someone else falls they can go through my policy so would the same hold true if I fell? I'm wondering about this because I know if I had a solo car accident I could go through my own ... |
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 Looking for health insurance? |
| I'm in need of health insurance because my employer doesn't offer it. I am 26/f/non-smoker and I'm in search of just having SOMETHING because I hate not having insurance.... |
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 Best life insurance policy? |
| Which is the best life insurance policy for tax saving and investment for employee?... |
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 Why should anyone who buys a house have to pay the insurance for the house when the bank owns it? |
| We should only pay the pecentage of the interest of what we own. With the interest rates the mortgage companys charge they make double and sometimes triple what we buy the house for.... |
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 Is it possible for someone to have a life insurance policy on me without my knowledge? An employer maybe? |
| I've heard that some employers take out life insurance policies on their workers without their knowledge to assure the company that business will go on as usual should the unforseen happen. Is ... |
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 What's the point of insurance? |
| I mean like, yeah you should have some money set aside for if your house gets burnt down etc, but why should you have to keep it with a private company who might go bankrupt at any moment?... |
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 I am looking for Home owners Insurance. Which do you have or recommend? |
Geico or State Farm
And Why?
Thank you,
Additional Details
I have Geico for my car insurance, and State Farm is recommend by my agent..... |
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anz | Any other homebuyers having trouble getting insurance policy? |
I'd like to know if other homebuyers especially of fixer-uppers are having trouble getting the property they are going to buy insured. How did you get the mortgage and close on the property? I'm about to pay for a FAIR plan which is sooo expensive just so we could close. Any other way? We are closing soon so there is a time element involved. We lost so much time looking for insurance agents willing to cover. By the way, it's in the northern Baltimore area. |
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K8e
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The few always spoil it for the masses. The reason insurance companies don't want to insure homes that need new roofs, plumbing and cosmetics is because in most states if the house is in that condition when the policy is written, the insurance company can't "get off" of the policy once they write it. Most companies have underwriting guidelines that state roofs need to be 15 years old or newer, there needs to be circuit breakers and not fuses, and the furnace must be updated in the last 20 years. Where you live there are probably a lot of homes that are selling way over their actual value, and believe it or not the bubble is going to burst some day. Buy the Fair Plan policy and get the house fixed up ASAP. PA Fair Plan returns the unused portion of the policy, don't know about MD. I'd just get it fixed up as fast as I can and then get an honest to God NORMAL homeowner's policy. Have you tried W.N. Tuscano Agency in Greensburg, PA? They are a brokerage house, and may be able to help, but they are not cheap either. The difference may be that you will be able to but a Home Owner's policy and not just a Dwelling policy.
Good Luck! |
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monkey f
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It all depends on why they are declining coverage. If it is because of the condition on the home it is very possible you could get basic course of construction coverage until the home is "fixed up" . If you are going to be living in the home and need a true homeowners policy you may want to look at buying structure only coverage so that your loan will close, buy a separte liability policy, which beleive it or not is very affordable (depends on your state of course) and once the home is made insurable look at the true homeowners policy that will cover your personal property, the building and the lialibty together. The gap is in coverage for your personal property until a real homeowners policy can be had. If your things will be in storage you can purchace a tenents policy for the interum. Good luck to you. |
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ed
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Can't answer your question directly, but if you're near the Coast, this is going to be a common occurrence in the near future. For all Coastal properties.
Heard talk from Ins. Cos on TV. |
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Badkitty
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Fair plan is probably your only choice for a "fixer upper", expecially if the home is going to be vacant while being renovated. Fair plan is very expensive and very poor coverage, it does NOT cover liability. Once the home is livable and free from hazards you should shop for better coverage. Good luck to you. |
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mbrcatz
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Yes, this is a common problem, as many carriers don't want to insure a house that needs major repairs or updates (roof, wiring, plumbing, heating) or that's valued under $100,000.
Before you go to the Fair Plan, try Foremost Insurance. They have a more comprehensive policy than the Fair Plan. www.foremost.com |
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