 What do I do if I dont have health insurance but I really need to go to the dr.? |
| I have applied for assistance and was denied because my boyfriend makes too much money but we can't afford $900 a mo. for insurance because of a pre-existing condition. I have had problems with ... |
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 Can my parents take me off their health insurance? |
| I am 19 years old and am a college student. My dad has Aetna (health insurance) through his work at ConocoPhillips and due to a recent ridiculous argument, they are threatening to take me off their ... |
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 Cheaper Car Insurance For Teenage Drivers? |
Can you help. I priced car insurance for my 16 year old son, and my premium will almost triple.
I know all of you will post that he should just get a job, and that is fine, but I want him ... |
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 Will insurance cover claim if car was stolen and keys were hidden in car...full coverage insurance.? |
Additional Details
I have full coverage insurance. I've heard people say no it won't pay, but it's just something they assume....no one I've talked to who say no, AC... |
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 What are the possible ways of saving money? |
| I am working in Genpact and I am earning a salary less than 10,000. I can save 2000 per month. Can you pls suggest me the best possible and profitable ways of saving my money. Are insurance policies ... |
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 Why is 25 an important age to insurance companies? |
ive been insurance shopping for a Mazda 6. I turn 25 next March and most reps have been telling me that my insurance will drastically degrease when I turn 25. Why is this such an important age?
... |
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 Why does progressive insurance suck so much? |
| i got rear ended in september and still haven't gotten my car fixed. my claim rep doesn't call me back i would call every day for like 4 days and leave messages. one time i called 5 ... |
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 Does renters insurance cover broken windows? |
| My patio door was broken this weekend by a Bocci ball. It came over my fence and right through my patio door. Noone was there to claim responsibility even though I seen it come from the neighbors ... |
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| Are doctors required to tell you about any charges or insurance co-payments before service is rendered? |
Or is it your responsibility to research this before you go in for treatment?
Additional Details
I went to physical therapy for two months (2 times per week) and was never asked for a co-... |
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 Can 1st timer get Homeowners Insurance?? |
| I recently got approved for a 300 thousand dollor loan to buy my first home. After making a few offers followed by a counter offer, I was able to agree on a price that was fair. I just called my I... |
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 How to dispute medical charge I didn't authorize? |
| I had a routine annual exam and pap in January, but when I got the bill, found out that they did an HPV test along with it. I did not authorize this test. As such, my insurance company covered the ... |
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 When should I buy life insurance? |
| I'm 23, one year out of college, living at home with my parents and working full time. I have no dependents. Is this the right time in my life for purchasing life insurance? I don't ... |
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 Is it true that if you put a security system (alarm) in your own business that your insurance (premium)? |
| i mean your payments and yearly cost would go down yes? security systems would be a way of protecting you business yes?... |
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 Insurance question - if a tree falls on your car who will pay for it your car insurance or your household ins |
Additional Details
it was a close call only nothing happened i just wondered . The tree is on our property . It was rotting but so are lots of trees in the forest .... |
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Tawny Angel | I have a standard Homeowners Insurance on my house. My crystal bowl was broken when in use. Am I cover? |
Does a standard homeowners policy in the U.S. only cover loss suffered from perils only?
Additional Details
Wow, a lot of great answers! Well, from the majority of it it would appear that my (HO3 type) policy would not cover the loss of my bowl. Incidentally it is quite an expensive one costing me a little less than $2,000. Would I then be able to claim casualty deduction from my 2008 Tax Return? |
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mbrcatz
 |
On the standard HO3, contents (the bowl) are covered for named perils only. 'Oops I dropped it' is NOT a named peril. Named perils include fire, theft, vandalism, falling objects, wind, hail, explosion, etc.
Not covered, under a standard, unendorsed HO3. |
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klentenza
 |
Ask your agent, but likely not covered without peril. Besides, even if it was covered, there would be a deductible and a claim against your insurance which MAY cause your rates to go up. Would it really be worth it? |
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Bruce T
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Depends on how much it is worth. Certain valuable items need to be scheduled (usually if they are worth thousands of dollars). Plus it has to be worth more than your deductible. |
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zacharydoud
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no, you or someone in your house broke it on accident. Only under theft or disaster would it be covered. sorry. |
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laura e
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you have to have a special ridder for stuff like that. Accidents generally are not covered unless specified. In the future if you have valuables get your insurer to add special coverage for each item. For damage or loss or theft these items won't cost you that much per year as extra. |
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sandy
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If it's a standard policy, It is possible, but unlikely. The best way to find out is to call your insurance agent. |
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Barbara M
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It's very unlikely that it would be covered. If you have something that's very valuable you need to have a scheduled coverage. You pay more for this and usually need appraisals. |
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Gambit
 |
The accidental breakage of a fragile article is excluded under ANY Homeowner's policy. It may be possible to add this coverage to a single item under a Fine Arts Rider, however this coverage is expensive and would not be worth it for a $2,000 item. |
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holeeycow
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No.
Also, your deductable may be too high and lastly everytime you use your insurance, they will either raise the premium or cancel you. |
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Joe S
 |
It will probably cover it but more than likely your deductible is $1000+ so it's may not be worth the time and expense. Homeowners insurance becomes cost-effective when there is catastrophic damage. |
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