 Is there a time limit in reporting an insurance claim by law toyour insurer?? |
| Is there a specific time limit to which you need to obide to when reporting a Stolen Van claim to your insurer, by law??... |
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 Re Going to Jail for not paying insurance,? |
| This seems a bit extreme just for being a couple of days late by accident. And since the bill has been paid which was only $44.00, And it couldnt be reposession the house is paid for. I think I am ... |
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 Renter's Insurance who will accept pit bull? |
| Which insurance companies will give me renters insurance with a pit bull??... |
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 Bob Brown was recently involved in a minor auto accident. His car was hit from behind, and he, in turn, slamme |
| Bob Brown was recently involved in a minor auto accident. His car was hit from behind, and he, in turn, slammed into the car in front of him. He would like someone to explain his coverage and show ... |
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 Health Insurance For Companys with 75 or more Employes.? |
| I work for a Trucking company with over 75 employes .I have worked there for 15 months, other employes have insurance from the company,is there any time limit or a law that has to do with Company I... |
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 I require insurance fo a non profit morris dancing troupe? |
| i run a morris dancing troupe and want to insure about 30 girls for compertitions and practice nights for accidents whilst dancing or traveling to and from ... |
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 Insurance for pre- existing condition? |
| My friend was recently diagnosed with a brain tumor, she has scheduled a MRI for march and then they will determine whether she can go through surgery. The problem is she had recently exchanged ... |
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 My car was damaged by paint overspray at my job. Shouldn't my boss or his insurance be liable? |
He would not pay or file on his insurance so I filed on my insurance. He told me that if my insurance tries to make him pay he wil fight it. Shouldn't he be liable?
Additional Details... |
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 What is the best insurance company? |
| I'm looking for a company that offers life, auto, and home insurance. Good rate and customer service.... |
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 I am married and living out of my parents' state, can I still be under their auto insurance policy? |
| The car is registered in their (my parents) name with me as the main driver, but our agent is telling us that I should get my own separate insurance. Do I need to do this, or can I still be covered ... |
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 What insurance agencies provide supplemental unemployment insurance? |
| Hi. I have learned recently that my company will be going out of business and I will be let go in about 2 months. I need to find a company that will pay supplementary unemploymnet insurance (on top ... |
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 I have insurance payment out of my account on the 7th, can i speak to AA to debit my account another day.? |
| Basically I have a direct debit going through for my insurance on the 7th, but I won't have any money in my account. I would like to avoid incurring any charges so should i contact AA and ask ... |
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 Please answer 10 points best answer? |
| i do not have any health insurance and rarely do i feel the pain of that.I have a yearly visit and usually pay cash and it is okay. Lately i have had a specified problem and need to see a specialist. ... |
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 No dental insurance afterall, am I in trouble? |
| I am currently working at a hospital a total of 20 hours a week. You need to work at least 24 hours a week to be elidegable for insurance. My boss said that I would be getting "more hours soon&... |
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 My refund check was stolen and cashed and the company will not reissue. How do I find out who stole my money? |
| My previous insurance company owed me a refund check from February. After over 30 days I called to follow up. They stated that the check was issued on April 24th. I told them in May that I had not ... |
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 What to say to claim adjuster..I need help? |
| I got injuried in april of last year. my landlord finally forward my letter i sent him last week over to his insurance company. I had lawyers before but they wasnt doing a great job. but once my ... |
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 Help with contractors liability insurance? |
| Hi, i've just set up a new construction company and need to look into contractors/public liability insurance/assurance???!!! Basically i dont have a clue about it!!! Is there anyone out there ... |
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John L | How much should I insure my house for? |
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 |
 
fighting saints
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In most cases you want to insure it for the replacement cost not the appraised value or market value. In many cases the replacement cost is more than the appraised or market value. This means you have to pay for more insurance but it beats the hell out of being underinsured to the point that you can't rebuild your house if it burned down. As an insurance adjuster, I have seen people in that mess.
Your agent will figure the replacement cost based on a formula to rebuild the house per sq foot. It varies depending on the type of house and your locale, but it will probably be some between $65 per sg foot and $140 per sg foot. |
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cope_acetic
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For as much as it would cost to rebuild it, PLUS refurnish it.
If it burned to the ground with all your possessions inside, how much would you need to start over, plus live elsewhere while it was being rebuilt? |
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DFK
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What would it cost you in your location with todays costs of Material and labor to re-build your home.
Insure it for this amount...anything less and you could end up
getting market value and pay out of your own pocket.
Since this is replacement Value... cover it as such. |
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mbrcatz
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Forget "appraised value". Any policy based on "appraised value" will make you very unhappy come claim time.
You need to insure the house for 100% of the cost to rebuild. That usually runs between $150 and $200 per square foot, varying geographically, however, any agent worth their salt should be willing to come to your house, and calculate it for you, using a square footage estimator.
Don't forget to add building ordinance & law coverage, if the house is more than a couple years old; guaranteed replacement cost on the building, and replacement cost on the contents. Also, go over the "special limitiations of coverage" with your agent, so you know if you need to schedule anything seperately.
Don't skimp on the time it takes to do it right at the beginning, and you won't be left uninsured or underinsured at claim time. |
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PJA
 |
You insure your house and furnishings based on your capability to pay the required premium, and the insurance acceptance of the worth of your house & furnishings (separately). |
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msknowitall
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It's current appraised value. |
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