 Bought new health insurance...need a check up? |
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| How could I apply for workman's comp,how much money would I expect to receive money,how long does it last?... |
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 I have a 1964 chevy pick up that I am restoring,,I just got a letter from my homeowners insurance? |
that said I had to remove the inoperable vehicle,,my agent says he dont know what to do
do any of youy have a suggestion
Additional Details
If you have looked ,I am in Texas ... |
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 I need an honest answer: Are you ready financially ready for death? |
What about disabailty?
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 Colonial Penn (55 - 85 years old) life insurance? |
I have seen the TV comercials where $7.95 a month will buy life insurance with no health questions asked " waratied aceptance" does anyone know what the catch is?
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| i live in south carolina and reting the land where my trailor is going to be waht are the insurance company that will cover us and is less than or around 1000 dollars a ... |
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 What about THIS health insuror? |
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 How much can one expect from a personal injury claim? |
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 Which is the best LIC policy? |
| i am looking for a polocy which has high returns.please suggest me one good policy.... |
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 Is the company responsible for stolen items? |
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XY/XX | I heard of Homeowners insurance being called...? |
fire insurance and hazard insurance. are they the same?? or how are they different? |
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ernesto_tig
 |
OK, for a CORRECT answer we'll need to hop the wayback machine. Set the dial to the early part of the 1900s when widespread sales of insurance to homeowners became popular. Back in the day, policies only covered fire and damage caused by lightning (which usually started a fire) hence the term Fire Policy.
Over the years, more and more hazards were added to policies; some as endorsements, others as separate policies, some sold door to door. Finally around the 1960-1970s came the comprehensive all-risk homeowners policy but the old terminology is still used in the insurance industry.
I would challenge anyone to show me a fire only policy; the skimpiest policy I've ever seen is a DP-1 and it's multi-risk and rarely sold on owner occupied homes.
Hazard insurance is a mortgage industry term, they will require a homeowners insurance policy and maybe a flood policy. For more detail then you'll EVER need to know about homeowners insurance, read my blog. |
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Sue
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Fire is included on all homeowners policies, but "fire insurance" is different. It is a dwelling fire policy and is generally for tenant occupied dwellings or sometimes seasonal camp-type buildings that may or may not have plumbing or heat. Homeowners insurance is for owner occupied houses. Hazard insurance is what mortgage companies & banks call homeowners insurance (or dwelling fire insurance). There is no such thing in the insurance industry. |
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Vultureman
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Home owners insurance coverages vary by policies that cover very little such as a basic policy or one that covers almost all perils.
Often times people use a really basic policy for a second home that they do not regulary live in, and is not worth as much as the value of their regular home. |
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kate
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The hazard insurance can cover a wide variety of incidents (or Not) and it is actually the NOT covered that is the biggest issue .
Hazards like flooding / water damage , slide and or earthquake , high wind damage .
There are lots of big hazards and many insurance companies offer them as options , usually at a veryyyyyyy steep price .
Had 1 friend in Florida whose monthly house insurance was over a $1000 because of the hurricane coverage .
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wilie
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they are two different catagories,,,,fire is for fire,,,hazard is anything that could happen with the exception of "act of God" and insurance companies use this phrase at times in the grey areas...so now u have to review all possible events for coverage...try the dictionary...for better understanding.. |
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