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Additional Details
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jalal661983 | Can someone clarify Insurance premium for me? |
My main question is : If I insured my house for 1000$ . How much will the premium be ? I mean am i going to pay 100$ ten times for ten months ? does it work like that ? So at the end of the 10 months , i would have paid the whole 1000$
Or is there another way ? plz help me !
Additional Details
So u are saying that the preminim paid should be exactly as the amonut insured ?? make it 12 months or more or less ? |
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mbrcatz
 |
There is NO way to answer that - rates are based on the house construction, age, and your credit score. Also, are you insuring for just fire? Any contents coverage?
If you don't want to insure the house for the "cost to rebuild" value, the rate skyrockets. In other words, if you fully insure the house, on a package homeowners policy, it's much, much cheaper than just insuring, say, $10,000, and picking & choosing the coverages.
The way the financing works is this: The premium is the set amount for one year. Some companies will allow you to make monthly payments, or quarterly. This is a SEPERATE arrangement from the premium, where the policy is the collateral for the loan of the insurance money. They are allowed to charge you a service charge for the installments, and they are allowed to charge late and cancellation fees, in many states. If you have a $10 installment fee, and pay monthly, on $1,000 premium, you're actually paying an additional $100 - which is kinda steep, in my book. |
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Kitty
 |
I will give you an example :
My one home is insured for $150,000.oo I do not insure it to it's full value for I can replace it for less than they think I can.
I pay $ approx. $800 a year for this insurance.
Yours will vary due to the type, location, worth, and liability of the insides such as a fireplace, wood stove, etc... all effect the price of insurance. |
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fernandes_winston
 |
Lets see the basics - Insurance is the cover for financial loss. Premium is the yearly consideration you pay to the Insurer to get that cover.
If you think your house is worth 1000$ Insurer will quote a premium that you have to pay. Premium depends on many things, and the calculation of it is complex. But its much, much less than the value of your house.
Here, a word of caution. The compensation made by the Insurer is the actual loss you suffered or the Insured amount, whichever is lower.. |
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LesElle
 |
Not sure I understand your question. If you insured your house with a building limit of $100,000, for example, and the premium on the policy was $1,000, then you could pay $100 per month for 10 months and the premium would be paid for the year. |
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Pandak
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When you buy insurance, they quote you a price for the coverage you want. Divide that by 12 to get your monthly payment (called a premium, for some reason). |
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