 My dad has a different insurance company then me, can i still drive his car and be covered? |
| im 16 and dont have my car right now. would i still be covered under my dad's insurance policy, even though he has a different company.... |
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 I'm 24.. is it wise to take out a 20 yr life insurance policy? |
I'm healthy. They already quoted me $18.81 a month. The policy is for $250,000. How does this work?
Additional Details
Not married, no debt, no ... |
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 Rear end collision, my fault, suggestions? |
| ***so i got in a car accident today, my fault, i rear ended a lady. she didn't have her insurance info on hand, but i had mine so i gave it to her, as well as my phone number. she just gave me ... |
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 Anyone else's Health Insurance going up? |
| I just found out that after the new year my PREMIUM will go from $15 a pay to $48 a pay! The family plan went from $500 a month to $500 a pay! Thank God I don't have kids right now! So, I'... |
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| I thought if insurance DID cover a drug the participant was responsible for their copay, if they didnt cover it the insured could pay for the drug outright or get a script for a drug they do cover....... |
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 When the term is up on term life insurance, what happens to the money you paid? do you get it back? |
| im in my early twenties and im looking for life insurance outside of my job. i want to know if you sign up for term life insurance and the term is up what happens with the money you've paid? or ... |
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 I want to get a Life Insurance and a Cancer Insurance...? |
Any information about this please?
I'm in TEXAS. :)
Additional Details
Thank you all so much !
I am thinking in this insurance to just cover CANCER because to ... |
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 Who is responsible for the bills? |
| My dog was unleashed and bitten by a neighbour's dog. I have a 12 pounds mini pin mix, the other dog is some type of pitbull mix, must weight around 80 pounds. My dog approached the neighbour... |
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Paula W | During a claim are carpets classed as contents or buildings insurance? |
Thank you! |
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Alex E
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that depends on whether you rent or own your house really - if you rent and the carpet not yours then its the buildings cover or the landlords contents policy which will cover them.
if you own the house then usually contents.
I work for a big insurer and we get asked this all the time! |
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MSAD
 |
A carpet that is installed is part of the structure. However, some policies allow for carpet to be depreciated.
An area rug is contents.
An easy rule of thumb - if you would take it with you if you move, then it is usually contents. If it is attached to the structure and you would leave it if you moved then it is usually part of the structure. |
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mbrcatz
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It varies. If it's an area rug, it's clearly contents. If it's wall to wall over concrete or subflooring, it's clearly building. If it's wall to wall over a hardwood floor, or other finished floor, it's more likely to be contents than building.
But you're going to have to ask YOUR AGENT for policy specific information on that. |
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Country Girl
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You say "carpets" implying there are many small carpets, so I would say probably contents. Throw rugs are contents, accent rugs are contents, anything you decorate your home with is contents. Wall to wall carpeting that was professionally installed is part of the building and is considered a fixture a.k.a. "building." You will need to define the term carpets for yourself and then speak to your agent/claims adjuster regarding the claim. Good luck! |
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DIANNE P
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contents |
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Sue
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Wall to wall carpeting is flooring therefore a building item (same as hardwood, tile or vinyl flooring). Area rugs no matter how large are contents. The defining criteria is whether it is attached to the building. Built-in cabinets, flooring, fixtures, built-in appliances, furnace, etc are building items. Furniture, slide-in or free standing appliances, dishes, clothes, bedding, etc are contents. |
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Chariotmender
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Contents! definitely not buildings. |
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psychoticgenius
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If you rent, check with your landlord/lady. If you own the property then it is on your contents insurance. |
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Cindyxxx
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Contents |
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Happy Murcia
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Contents.... |
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