 Medical insurance ? |
| If your insurance won't cover a major surgury and a relatives will can they give approval to use their insurance for you?... |
|
 Looking to Buy a Aston Martin V8 vantage, 23 years old, where is the best place for insurance? |
| My boss is selling me his Aston Martin V8 Vantage, Been searching throughout the net for the best quote. There are a lot insurance companies declining me because of my age (23 years old) Where is the ... |
|
 Flood insurance? |
Will the poor people who have suffered Flood Damage have a problem with the Insurance Companies.
I ask this question because a Friend of mine had Gazebo
wrecked in recent storm.
I... |
|
 How do I get out of paying flood insurance? It's killing me!? |
| I'm in a flood zone by maybe 20 feet. The neighbor across the street lives closer to the lake and he says he doesn't pay it. My home insurance is $1,200.00 a year and flood insurance is $1,8... |
|
 Where do they offer Licensed Notary? |
| Can you get a Notary at Bank of America?... |
|
 What are your thoughts and feelings on the 80 million dollar bail out of an insurance company? |
| I read on yahoo today:"WASHINGTON – The Bush administration asked Congress on Saturday for the power to buy $700 billion in toxic assets clogging the financial system and threatening the ... |
|
| Husband got laid off a few weeks ago. Our insurance ends at the end of this month. Need some advice!? |
| Are there any cheaper insurance companies out there? We need something to help cover perscriptions and doctors bills if we get sick. We have the option to COBRA our insurance but it will be like $950 ... |
|
 I want to get life insurance but i dont know of any good names...? |
| I am married and have 2 kids .I am 33yrs. old and have high blood pressure .the Dr. said my kidenys are failing ....i am taking my meds.but just in case if someting happens i want my familyto be ... |
|
 Mortgage insurance -- is it worth it? |
| I have been getting solicitation to purchase mortgage insurance from a few companies in some ways related (but not affiliated) with my credit union I obtained my mortgage through. This particular one ... |
|
 Will you buy the Life Insurance ? Why? How much? |
| Some people are concerning about Health Insurance more than Life Insurance and I don't know which one I should buy first.... |
|
 How are insurance companies legal? |
| You pay premiums for insurance but the second you get into a wreck, what happened to all that money i had paid before? Why are my rates going higher, i thought that is why i am paying for insurance ... |
|
 I need some legal advice about an insurance claim I submitted to my car insurance agent? |
I actually have two claims and wondered if I will get reimbursed.
1) $379,431.34 requested reimbursement for repairs to my truck cabin. The damage was caused by attacking fighter jets.
... |
|
 Is your company liable for damages if customer didn't report issue until after 30 days? |
| Our company moved machines out of apartment on 1/24/2007 and the customer did not call until 2/27/2007 regarding the damages to the door. Is our company liable?... |
|
 Family Health Insurance?? Question Help? |
| I was wondering does family health insurance, for example. like in my situation, i want to go to a dentist to whiten my teeth, but will the insurance cover for that?... |
|
| My husband had health insurance through his company. His company just dropped him from their health insurance |
His company just dropped him from their insurance coverage, and never told him. They never sent him a letter regarding COBRA coverage. Is this legal? BTW, we live in FL.
We just got a ... |
|
|  |
rjain15 | Home Insurance, should I go for high deductible? |
For home insurance, i am getting quotes from couple of companies. My question is should I go for higher deductible and lower premium or the other way. Most of the other coverage is same. |
 |
 
Ken
|
The answer to this depends on your financial condition and how much you are willing to absorb yourself in the event of a loss. As a practical matter, I always recommend high deductibles on all forms of insurance. It reduces the cost of your insurance and decreases the chance that the insurance company will tire of your frequent claims and significantly increase your premiums. Covering the smaller claims yourself also allows you to get repairs done even quicker without having to have an appointment with an adjuster. |
|
Kathleen M
 |
You may want to check your mortgage documents. There may be a limit on what you can have as a deductible. If there is a limit on your deductible, it will be stated in your mortgage documents.
A higher deductible means that if anything happens, that is more out of pocket cash for you. How much do you feel comfortable with having to pay out of pocket in the event anything happens? |
|
ruin1114
 |
Depends what you consider high... For example, it wouldn't make sense to get a $500 deductible. Come on, who would go thru insurance for something that would only cost them $500. I think mine is $1000. $1000 is worth all the paperwork and hassle of calling the insurance company for me. |
|
westsaeed
|
Definitely higher deductable, and you shouldn't file petty claims. The odds your house will burn down are so remote. |
|
MSAD
|
It depends on what your financial situation is.
You don't get notice that a claim is going to happen - you just come home from work one day and bam....the pipe under your sink burst while you were gone. Can you come up with the 1000 deductible right now? If that's not possible then you may want to consider a lower deductible - like 500.
I have a 500 deductible. I don't have much in savings but I usually have at least that. So, I could come up with 500 if I had to with little to no notice.
With deductibles...it all comes down to how much can you come up with in the event of a claim. |
|
botygy
|
Higher deductible and plan to cover the insignificant things with the premium savings. |
|
angel
|
lower deductible and invest the rest..... |
|
mbrcatz
|
OH, higher deductible and lower premium. You don't want to put small claims in, anyway.
BUT, you should be discussing this with YOUR AGENT. |
|
Rivergirl100
 |
Yes. Go for the higher deductable.
One thing that is not often discussed with regards to home insurance is that if you get too many claims (and 2 can be too many) in a short period of time (and five years can be a short period of time) then they can drop you. Not only can your own insurance agency drop you, but once you are dropped it can be extremely difficult / expensive to get homeowners insurance.
Never make a claim for only a few thousand dollars. Wait for the big my-house-burned-down claim. It would be a shame to waste your insurance on a few small claims, and then be dumped.
With this in mind, take the largest deductible you can get.
(For more information, do a web search on the words "homeowners insurance non-renewal.")
Good luck. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
9 | 8 minutes(s) ago
| | | |
8 | 12 minutes(s) ago
| | | |
6 | 42 minutes(s) ago
| | | |
9 | 3 hour(s) ago
| | | |
8 | 8 hour(s) ago
| | | |
9 | 9 hour(s) ago
| | | |
9 | 11 hour(s) ago
| | | |
9 | 2 day(s) ago
| | | |
9 | 3 day(s) ago
| | | |
9 | 6 day(s) ago
| |
|
Homepage 
Financial
Forum 
Insurance 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
