 If you know about term life insurance this question is for you . . I am 40 years old? |
| and am replacing a couple of short term policies with a 20 year 500,000$ policy. House, auto and these policies are with state farm. My quote for preferred was about $70 per month - super preferred ... |
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 What can happen if I already cashed the check? |
| I cancelled my auto insurance after renewing, I did an electronic transfer but changed my mind on the contract and stopped payment on 2/05 (i did not know I could have just cancelled within 72hrs ... |
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 Do I HAVE to have homeowners insurance? |
I am a first time buyer in the housing market, and I am looking to pay for a home in all cash, no house payments.
I have put in a bid on a large modular home that is located in a "... |
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 What type of life insurance is right for me? |
| Hello i am seriously thinking about getting life insurance i am 18 and have an 8 month old baby boy god forbid that anything happened to me but if it did i want my son to be fully protected but I... |
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 Advise on home and auto insurance? |
I am changing my existing insurance company and I have 3 to choose from. I would like to have advise which of these 3 is the best.
Met Life, Traverlers, and Liberty mutual.... |
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 I'm planning on getting Life Insurance through State Farm. I'm 18. Is this plan good? |
| Me being 18, they told me its the best time to get it because it's the cheapest I'll be able to. They quoted a 25,000 dollar plan at $22 a month, which will NEVER go up, even if I'm 84.... |
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 If I were to die, who gets access to my life insurance benefits, if the beneficiary is a minor? |
| I want to make my son the primary benificiary to my life insurance policy, but what if I died when he was only 4 years old? If my sons father (my ex husband) got custody of my son and my son was the ... |
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 How the heck can a homeowners insurance company force you to pay for over twice the value? |
| I am just venting but I called other companies and they all say the same thing. In 2005 my policy was for $60,000.00 dwelling and today I recieved the policy and it called for over $109,000.00 ... |
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 Will Homeowners Insurance cover outside stairs? |
| The stairs of my back deck (put in long before i purchased the house) are falling apart. I havent filed any claim or called them as of yet but just wanted some information before i start the process. ... |
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 Car insurance for 17 year olds? |
Hey people, i am 17 in april and i have been looking into buying a 1983 mini mayfair with 13"alloys and arches....and thats it...
onlly a 998cc, not the fastest of cars
... |
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 Purchasing life insurance? |
| I have adult family members that I want to purchase life insurance for. A $10,000 policy each to cover funeral expenses. I know that if anything happens to them I will be responsible. I'm ... |
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 What can my husband do? |
| My husband works for AllState and the agent he works under refuses to send out flyers or mailings. He expects him to make "cold calls" all day (while most people are at work) and still ... |
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 Is life insurance taxable at payout time.? |
| So if I die and my husband collects the $, is that $ taxable?... |
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 How long should an insurance claim take to be completed? |
| My kichen was flooded 10 weeks age and the insurance company keeps changing th goals posts and askeing for different things. is this right??... |
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 Got my drivers licence? |
Is going to be the first time me getting a job so I was wondering as soon as i start the job can i purchase a cheap car right away and insurance and stuff?
and cant get student loan ... |
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 I suffer from depression & was suicidal for a while, but now im tryin to get a mortgage & need life insurance? |
| would I be better off not mentioning anything about the suicide or depression, I know the insurance won't pay out if anything happens to me but the insurance would be cheaper, how much extra ... |
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NittyNora(Dawn) (BCA) | Do you think insurance policies are a waste of money? |
i dont mean the ones we all have to have like motor and house insurance. I mean, small insurances for electical goods etc |
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Macbeth
 |
Insurance is all about risk. Most people will not bother to take warranty insurance on small electrical items as they are prepared to take the risk themselves. There are some people that see these products as worthwhile and insurance companies are simply meeting these needs. What I find distasteful is the way some retailers pressure sell insurance warranties. |
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corishray@btinternet.com
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depends from who you get your insurance ,if its from the likes of dixons or curries ,they charge a big premium ,you can get better quotes on the internet which bring the cost down |
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Jam
 |
House insurance would have been great when we were burgled. We didn't have a valid policy so lost thousands.
iPod insurance is a must, they always stop working a couple of weeks after the warranty runs out. Phone insurance is good too. I don't generally bother with anything else though. |
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taxed till i die,
 |
Yes i do ,An expense that is not needed in general. |
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Happy
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Yes I do |
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Chris C
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If you are chosing small insurance for electrical goods over insurances like life and health insurance, then yes, insurances on electrical goods is a waste of money.
I find it interesting that people will insure a $200 ipod, but won't insure themselves that is worth 10's of thousands of dollars more.
My opinion is that if they have to offer an extended warranty on the product they are expecting it to break down, which means it's a peice of junk and not worth buying... |
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Moongrl76
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Well it depends. I bought a new dishwasher last year and my four year old threw one of her little toys in the washer and for weeks I kept hearing this annoying rattle. They came out and found a toy part in the pipe for NO charge. I have insurance on the dishwasher until 2011. Once a year they come out and do a maintenance check on my dishwasher.
I think it's just better to buy warranty because you never know. These days they DON'T make things as good as they use too. My farther-in-law has had his washing machine for 24 yrs and he just had to replace it this year. Mine is not even 8 years old before I had to buy another washer and dyer. My refrigerator is acting up and it's not even 10 years old. I didn't get a warranty on it. I wish I had but most warranties are only for 5 years when you buy the product. You have to do what your gut tells you to do! |
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anaise
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You mean retail insurance. Its a good idea to purchase retail insurance when buying laptops, or expensive devices that can be stolen easily. For appliances like a microwave, no, its not a good idea to purchase. |
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Gypsylady23
 |
Yes I think they are a waste of money
Most of them charge a one time fee for the term of the contract, but the policy has so many exclusions and so many requirements (like keep receipt - register within so many days) that if you tried to make a claim for the contract, you would'nt have the things they required.
It probably would cost you more in time meeting the requirements, and jumping through their hoops, then they wouldn't pay for the item in the end. |
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neilriddick
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My rule of thumb concerning service agreements sold with Sear Appliances is if I buy it I will never use it. If I don't I will wish I had. My wife spent $500 on two one year warranties on out two Air conditioner units last summer in TX. Two weeks later they spent three days at my house fixing the AC at no cost to me. I hate to admit she was right but she was right. |
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Spiny Norman
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Yes, a complete wast of money. |
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