I am currently looking for an insurance plan that will cover me - I have OCD and recently received a denial that stated
"Legislation in your state does not allow us to place long-term ...
I had recently obtained new insurance and i went to the dr. around 6 months after getting the new insurance... now they wont pay because they are saying that it was pre existing when it wasnt but ...
I'm trying to buy $250K of coverage against an event that is known to occur with 10% probability. Thus, the expected value of this insurance is $25K. I'm getting a quoted insurance ...
Okay lets say you & your kids have health insurance & all is going good & then you find out your child has a disease due to a genetic mutation like sickle cell or rett syndrome...would ...
Is there a way to find out if someone has taken out a life insurance policy on you, without your knowledge, much less permission? And if they have, is there a way to have that policy cancelled or any ...
i just recieved a package froma seller on ebay. the thiing was tottally ripped open and empty! the post office stamped it w/ a " recieved w/ out contents"stamp. is there anything i can do ...
My partner of nine years past away while using a drug called ketamine. He never used drugs before but decided to experiment. I am wondering if I am going to have a problem collecting on the life ...
We just had a hail storm in our area and our insurance agent claims that just the back half of our roof was damaged in the storm. In talking with a roofer, he said that there was a rule that if the ...
stoosh023
Can I get insurance on dwelling only?
Does anyone know of an insurerer that doesn't require a "package" (ie: contents)?
Absolutely, you can get a "dwelling fire" policy that covers the building only. Then if you want to add liability, other structures, or loss of rents, you can - you pay for each section as you go. The standard form is DP 1, 2, or 3 depending on which perils you insure against.
You can use this form regardless of whether or not the dwelling is owner occupied or tenant occupied - but it DOES cost more than a homeowners policy.
nobody
Sure, I believe a dwelling fire policy can be purchased for the structure only. It normally is used for rental properties.
Yes you can get dwelling only coverage and if you can't find it at the agent you asked, you need to ask another agent because it is very definitely out there.
If you are trying to insure you own house, however, you should not forgo contents coverage.
hirebookkeeper
Did someone tell you they do require a package? I dont see why you couldnt get building only. Contents are usually not that much though to insure. Try more agents.
Loollea
yes you can, just ask your agent but if you compare prices, the fire and the homeowner package will be very similiar
Rexy
Yes, there are many different policy forms to insure different types of properties. As long as the home isn't vacant, most companies will offer you coverage on the structure only. You would need to obtain an HO-2 policy form, which is called a fire dwelling policy by most insurers and is typically written for an owner of a house that is rented out.
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