 Need someone who knows home insurance.? |
| My neighbors home has been vacant for 9 months or more.In Jan. a pipe in their home broke on the second floor no one knew this for a least a week!! It completely filled their basement (7' of ... |
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 Found lost ring, but already filed a claim and had it replaced? |
| I lost a ring, filed a claim with State Farm, got it replaced, and found the ring underneath the fridge. I actually thought it was stolen. It went missing when there was construction going on in our ... |
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 Will home owners insurance pay for water damage if I was out of town for work? |
| I recently purchased a home and then was forced out of town to work a week later, resulting in never moving in the house. While working 3hrs away my parents would check on the house occasionally, and ... |
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 My car insurance is going to pay off my car. Will they give me the check for the car or the loan company? |
| I am still waiting for my insurance to finish the inverstigation. I know for sure that my car is a total lost. I am paying for the car through a car loan ... |
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 Any suggestions on how to fight my insurance company so they will pay for gastric lap-band surgery? |
| I have decided that I would like to have gastric lap-band surgery. Over the past 15 years my weight has yo yo-ed and I cannot seem to maintain the weight I lose. Please refrain from lectures on ... |
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 How do Insurance companies know if you have a pre-existing medical condition? |
| Lets say you tell them you dont have any problems, then you get the health insurance then begin to see a doctor concerning your problem, knowing you have problems that should be treated, how will ... |
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 Can you refuse to give you insurance info? |
| There was a flood at my apartment this past weekend. I had to stay in hotels. I called my insurance and they said that they would not cover the stay, and since the flood was caused by faulty work by ... |
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 Personal injury claim/Premium query? |
| A friend was involved in a car crash recently where she was the passenger. She was injured and in a position to claim. However, will a claim on the insurance (policy belongs to her husband) mean ... |
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 Is $250/ month a lot to pay for health insurance? |
| Just my husband and I would be covered. Seems like a lot compared to what we paid at his old job.... |
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 How do I convice my ex that I want to take out a life insurance policy on him for our son's sake? |
| My ex and I were never married when we had our son so I am worried that if something were to happen to him, I would be stuck with just social security and I feel that is not enough to help our son ... |
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 No Insurance What to do? |
| Hey Im 22 and dont have dental insurance. Ive had a bad cavity for about 2 years and off and on gives a really intense pain. At times I go a few days without sleeping because as soon as I fall asleep ... |
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 Which is the Best and Cheapest Term Insurance Policy? |
am 32 years old. I would like to know the following
1. Which are the companies which provide the best quotes for Term Insurance? Are the quotes for these companies available online?
2. How ... |
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 Home insurance? |
| im looking for some insurance that will mean if either my fiancee or i die our house will be paid off in full (this way our kids have a home) im still quite young (38) any one know any good companys ... |
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Juliette | Can I buy a home insurance online and what are the main elements to consider? |
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Marky
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Yes you can.
Check excess, any valuable items (jewelery, tvs etc) and overall value they will give you if you lose everything |
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Queen B
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you can, but i wouldn't reccomend it. you should go through a local independent agent. you want to make sure your home and contents are insured to replacement value. also be sure you schedule anything of value onto your policy. (ex. jewlery, guns, collections) this way they are covered to full value. its good to have an agent that can help you in person to set up the right policy for you and go over coverages for you. its also VERY helpful to have an agent on your side if you ever have to make a claim. |
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Steve W
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yes most insurers are selling online now. Make sure you look at the cover details though, as all policies are very different, and its the same rule as anything else, you generally get what you pay for. For example, Lloyds TSB, "britain's most popular home insurance provider", true it is one of the best products on the market. but on average is £200 more than others annually.
also, if price is a factor, make sure you use a number of different price comparrison sites, as all sites have a different competitor set.
try:
www.moneysupermarket.com
www.confused.com
www.comparethemarket.com
www.peopleschampion.com
www.gocompare.com |
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Steve S
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You can buy insurance over the Internet but be cautious as you may not be aware of the laws of your state or what all coverages in a policy do. You may make some choices that actually cut coverage or don't give replacement cost. My suggestions if you want to use the Internet use a quoting company like Netquote or Insureme. Will get multiple companies to quote you and you then choice by looking at what they all have to offer. Remember cheaper is not always better as you may get what you pay for. |
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Paul C
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Go through an insurance broker, they will do all the leg work and get you deals that you can't (Due to repeat business with certain companies) their free to use as they claim their fee off whichever company you end up going with.
Good Luck |
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Barbie V
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yes - first though make a list of all of your requirements so that you know what to list. |
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mbrcatz
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The main thing to consider, is which enhancement endorsements you need. You'll have to ASK for them, so you'll need to KNOW what's available in your state.
Because of that, I strongly recommend against "do it yourself" insurance, as you'll probably get inaccurate advice - from yourself.
Go to a local agent. They can explain the main elements in your state, AND suggest which enhancements are appropriate to YOUR SITUATION, so that when claim time comes around, and your claim is denied because you didn't buy that enhancement that would have covered it, you won't be saying, "No fair! No one told me I should have that!".
Some enhancements I recommend and you should get explained:
Guaranteed replacement cost on dwelling
replacement cost on contents
building ordinance or law enhancement
backup of sewers & drains
personal articles floater |
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welcome news
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You can but don't.
If you are not an expert on house insurance (and I bet you're not) then you won't know whether there are any exclusions/ restrictions in cover that are atypical.
Also - think - if you buy online are you going to be able to talk to an expert or call in and see them to discuss your cover? You'll probably get a call centre in Ulan Bator.
So trust professional insurance advisers not insurance sellers. |
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john i
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Best to buy on a price comparison web site like www.monesupermarket.com. You have to decide what level of cover you want, for example do you wish to cover accidental damage, like knocking over an old vase! also if you wish to carry an excess which means you pay the first £200 or whatever you agree. Do declare items of significant value or they may not be covered otherwise. |
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BevS
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If you are prepared to spend an hour shopping around, the internet is the best place to find good value home insurance. Price comparison sites have made shopping around easier but you should compare policy features as well as price and first know what cover you want before getting prices to ensure you are comparing like with like.
If you do use price comparison sites make sure you try more than one as not all sites quote all insurers. And be aware that some price comparison sites make assumptions about you and the cover you want so the final premium may be different from the original quote they give you. Look for comparison sites that guarantee the accuracy of the quotes to save you time and hassle.
As for the various insurance options, that depends upon the home you are insuring, your personal preference and budget. Some good guides to taking out a policy can be found here...
http://www.moneysavingexpert.com/insurance/home-insurance
http://www.uk-insurance-index.co.uk/article-42.html
http://www.abi.org.uk/Display/default.asp?Menu_ID=1140&Menu_All=1,946,1140&Child_ID=395 |
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