 National Insurance Number? |
When is your NI number supose to come?
some people say 15 and 9 months .. but my firend is 16 on the 12th of this months and she got hers like 2 weeks ago.
If you get it when youu 15 ... |
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 Will an insurance company reject you if you casually smoke pot? |
I'm looking to get health insurance but i'm kinda worried
I know they do urine test during physical exams, so i was just wondering if the insurance company would reject me when ... |
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 I bought an Item on Ebay. see details? |
| The seller insured the product through UPS and when it came to me it was beyond repair. Ups then wrote a insurance check to the seller. Shouln't I get this money. Or does the seller get this ... |
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 Who can someone contact to make a complaint on an insurance company? |
| I was involved in an automobile accident almost two years ago and we have been trying to settle the claim. We mailed in the paperwork accepting there offer and it has been almost two months and we ... |
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 Is my check still valid i found it, in my bag and its from 2006? |
| this check was from a company i us-to work for in 2006 and i just found it and was wondering, if its my money and i never cashed it,can i cash it still in the bank? or will the date be a problem ... |
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 What are some cheap Auto Insurance Companies? |
| I pay 193 a month for basic liability with 21st century Insurance. Where can i get a cheap quote?... |
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 SR-22 Question....Personal Experience Please!!!? |
| Can I have full coverage insurance with one company and then do my sr-22 with another company or does it all have to be on one policy???... |
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 Medical Office Co-Pays? |
| Is it legal for doctor offices to charge their patients an additional fee for all copayments not received by the last working day of each month? I got a letter from my doctors office charging me an ... |
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 How do i do this..?!? |
| im 18 and am becoming totally independent from my parents..i have like no moneyyy and dont know how to get a place to live or anything..i of course plan on getting a job and all that..but how do i ... |
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 Need a name for Employee Newsletter? |
| I have been asked to start an employee newsletter for my company. We are a food demonstration service company. We demonstration food items and household products in Costco Warehouse nationwide. Does ... |
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 What to expect when the insurance underwriter inspects your home? |
| After 28 years in my home, I got a notice that the insurance company is sending someone out to photograph, measure and report back on my house. What should I expect? If they come up with a punch ... |
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 Car accident with no assets? |
| Just wondering. What would happen if someone got in a serious accident and the person got hurt and sued for a million dollars. But the person being sued had minimum coverage and no assets what so ... |
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 How can insurance companies find out if you have a pre-existing condition?? |
| I have heard people mention the MIB as a source, but where do they get their info? I thought medical records were strictly private, how do they find out your past medical info? Ty!... |
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 I want to close my LIC policy. My policy is for 12 years. i have completed 4year? |
Going to received some money after 4 years. What will happen
to my remaning money. Will they give me full money or deduct the money ... |
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 Home loan v/s term insurance? |
| I have just taken a home loan. One of my friend adviced me to take home loan insurance. Another is advicing to take term insurance so that it will also will for the duration of home loan. Is there ... |
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John | Do landlords usually have homeowner insurance? |
Do landlord usually have homeowner insurance? Also is it true that most homeowner insurance have liability coverage? And if they took out a mortgage does the mortgage company require them to have some kind of homeowner insurance? |
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Stacey M
 |
Yes, if they have a mortgage they are required to carry rental property insurance if not the mortgage company will forceplace insurance on the home which only covers the loan. They come with liability coverage yes. Anywhere from 100,000 to 300,000 liability coverage. That would be in case someone sued then for anything. |
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Expert Realtor
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When the landlord takes out homeowner insurance, it covers the STRUCTURE. He is not required to carry liability insurance nor do mortgage companies require it. |
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constantreader
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Yes to all of your questions...they'd be a fool not to have every possible type of coverage to protect their investment, fulfill the mortgage lender's requirement, and to ensure they have someone in their corner in case of lawsuits arising out of tenant situations...both serious and frivolous, i.e., one of those famous "slip & fall" cases. |
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reenzz
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Landlord to not need to have homeowners insurance..unless under a mortgage in which the mortgage company requires it. Tenants, however should have renters insurance to cover personal losses...since the landlords homeowners insurance never covers tenants losses. |
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Christie
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Yes - a landlord does have home owner's insurance. Their mortgage company will require it. You can't close on a mortgage without showing proof of insurance.
The policy should include liability coverage as well. But the fact that they have insurance doesn't lessen a tenant's need for renter's insurance. |
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mbrcatz
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Sure, but only on the house they LIVE IN. Homeowners is only for OWNER OCCUPIED HOMES.
MOST homeowners have homeowners policies, because they have MORTGAGES, and a homeowners policy is the cheapest way to insure the house you live in, and it comes with liability coverage. But that's not what you're asking.
If there's a mortgage on the building, the mortgagee requires PROPERTY insurance, NOT LIABILITY insurance. The mortgage doesn't care if the landlord has liabiltiy coverage or not. They only want to get paid if the building burns down.
In my personal experience - slumlords tend to NOT insure their properties. Those would be, low value, low rent properties. What they do, is own them in the name of a corporation, so that their personal assets can't be attached in case of a lawsuit. They ALSO tend to not maintain the properties very well, and not pay the property taxes in a timely manner.
Investors who invest in real estate tend to insure the properties, if they intend to keep them for more than a couple years. |
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ernesto_tig
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Yes, Yes & Yes
Landlords have a type of insurance policy usually reffered to as a 'Landlord' or dwelling fire policy. They are similar to a homeowner policy however, depending on the insurer, coverage may not be as broad. Personal property of the tenant is not covered, also the liability insurance includes coverage as a landlord and landlord related activities. Coverage is typically required by mortgagees.
If you're really interested, I wrote an article about it on my blog. |
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