 Will home owners insurance pay for water damage if I was out of town for work? |
| I recently purchased a home and then was forced out of town to work a week later, resulting in never moving in the house. While working 3hrs away my parents would check on the house occasionally, and ... |
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 My car insurance is going to pay off my car. Will they give me the check for the car or the loan company? |
| I am still waiting for my insurance to finish the inverstigation. I know for sure that my car is a total lost. I am paying for the car through a car loan ... |
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 Any suggestions on how to fight my insurance company so they will pay for gastric lap-band surgery? |
| I have decided that I would like to have gastric lap-band surgery. Over the past 15 years my weight has yo yo-ed and I cannot seem to maintain the weight I lose. Please refrain from lectures on ... |
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 How do Insurance companies know if you have a pre-existing medical condition? |
| Lets say you tell them you dont have any problems, then you get the health insurance then begin to see a doctor concerning your problem, knowing you have problems that should be treated, how will ... |
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 Can you refuse to give you insurance info? |
| There was a flood at my apartment this past weekend. I had to stay in hotels. I called my insurance and they said that they would not cover the stay, and since the flood was caused by faulty work by ... |
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 Personal injury claim/Premium query? |
| A friend was involved in a car crash recently where she was the passenger. She was injured and in a position to claim. However, will a claim on the insurance (policy belongs to her husband) mean ... |
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 Is $250/ month a lot to pay for health insurance? |
| Just my husband and I would be covered. Seems like a lot compared to what we paid at his old job.... |
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 How do I convice my ex that I want to take out a life insurance policy on him for our son's sake? |
| My ex and I were never married when we had our son so I am worried that if something were to happen to him, I would be stuck with just social security and I feel that is not enough to help our son ... |
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 No Insurance What to do? |
| Hey Im 22 and dont have dental insurance. Ive had a bad cavity for about 2 years and off and on gives a really intense pain. At times I go a few days without sleeping because as soon as I fall asleep ... |
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 Which is the Best and Cheapest Term Insurance Policy? |
am 32 years old. I would like to know the following
1. Which are the companies which provide the best quotes for Term Insurance? Are the quotes for these companies available online?
2. How ... |
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 Home insurance? |
| im looking for some insurance that will mean if either my fiancee or i die our house will be paid off in full (this way our kids have a home) im still quite young (38) any one know any good companys ... |
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 Can companies go back on their word? |
| Holiday Insurance - baggage delayed 24 hours, policy in bag as not allowed on plane at that time, called Insurance Co. from Spain. Told £100 to spend, when ? anytime before return they said. Lodged ... |
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 If I have a lapse in my health insurance coverage after leaving a job will I be able to get health insurance? |
| once I start another job? I have type 2 diabetes and am hypothyroid if that makes a difference. I know there will be a 3 month waiting period as well as possible more time for pre-existing ... |
|
 65 yr old man struck by van in auto sales parking lot ......? |
| thrown 5 ft through the air,speaks to owner of parking lot who is alledgedly the one who drove into him,the 65 yr old man says he thinks he is ok and walks away,then a few hrs later people start ... |
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yo_chick | How much contents insurance cover should you get for a 3 bed semi with the usual family contents? |
I have no idea how much cover would be needed for it all, including tv's, computers, kids toys, furnishings etc. Its not a rundown area but its not the best either. I know of someone that lost everything in a fire recently and it really makes you think. Please can someone advise. |
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stiletto
 |
If you're a home owner, then you should have had a mortgage insurance. If you're renting, you should consider what will it cost you to replace everything you have in your home in today's market. Most people usually buy $20,000 renter's insurance to cover everything. This would be enough for most people. |
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Queen B
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it really depends on what you own. if you own your home and have home owners insurance you automatically get a percentage of coverage for personal property. if you rent its up to you to deicde. how many people live in the home? if you have kids it is of course more that you will need. to give you an idea, i am a single parent with an 18 yr old. i rent and carry 40,000 in property coverage. it cost me about 200.00 per yr. call an independent agent as they have more companies to check with for the best coverage and rates. |
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redmustangmanone
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(Assuming you are British) Try insuring with 'MoreThan' - they give you cover arranged by the number of bedrooms you have, you are unlikely to be underinsured then (if you underestimate the replacement value of your contents then insurers will reduce the amount of a payout in the event of a claim - this is called 'average'). I got a quote recently and the price was pretty much the same as my existing insurer.
Don't listen to people who say don't insure - you cannot afford not have insurance. And if you get a big dog and it bites/kills someone you could get taken to court and you may have to pay damages (your home insurance would cover this) |
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Casino Rob
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And I'm sure the last posters 'bloody big dog' will race to put out a fire or repair a burst pipe.
Great dog, that. |
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mishnbong
 |
go for the quote you know you can afford, better to be safe than sorry |
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vruiz16
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You should consider what you are willing to pay for and how much it would cost to replace your belongings. Making a list of atleast the biggest items you have and an inventory of your clothing and shoes how much they cost you would give you an Idea. I have my belongings insured at $50,000.00 for 5 family members including my self. So we can atleast get clothing, furniture, dining room set, and kitchen ware. |
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mbrcatz
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OK, if the whole thing burned to the ground, and you lost everything, how much would you be happy with??? It's impossible for someone ELSE to guess how much "stuff" you have, and not very fair to ask them.
Minimum limits are usually $20,000, to just issue the policy. Could you buy it all for $50,000? $100,000? The area is irrelevant, if you're only buying insurance for the contents. For the building, you need enough insurance to rebuild it.
Your best bet is to call a local agent, have them come out, and help you establish values. |
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jewelking_2000
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Almost always more than you are insured for.
Fires do happen even to the most careful of people. My friend gives fire safety advice as part of his job ( in insurance) then left the chip pan on answering the front door. The rest is history and now part of his lectures. The good news is that he was properly insured. |
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Rainbow Daemon
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Do your own "insurance", each year put a few hundred quid into a savings account, it will soon mount up to cover little accidents. In my experience, insurance companies offer a legalised fraud service, there will always be a clause to contradict what you believe you have bought. Fire, flood and other acts of god are very, very rare.
My insurance? A bloody big dog who is trained to know that neighbours are family and will greet them as long lost friends. Result? No (unwanted) strangers, no chav kids, so no vandalism. Burglers? IF they get into my house, they won't get out. Minimal outlay, Maximum return |
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Angry short bloke
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About £30,000 |
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