 Is life insurance with cashback just a gimmick? |
| My husband has taken one out and I feel that we could get basic life cover for a lot cheaper and invest our own "cashback" in our own way. Am I right to think this?... |
|
 How do you become a claims investigator for an insurance agent? |
| my mom has been in the insurance business for a year now and needs to make more money. She wants to go in another direction but still stay in the insurance business. She is interested in the ... |
|
 Somebody Please Help Me? |
I am a financial consultant or usually we said that "Insurance Agent". And I'm still Freshmen. A half an hour ago, I made my 1st presentation to a man in a shop.
I am so nervous ... |
|
 Question about medicaid? |
| I applied for medicaid last week because I am not able to get insurance through work right now. I haven't been employed through them long enough. Anyways, I also suffer from severe depression. W... |
|
 Hi, i am 26, single and i work full time. Do i need a life insurance?what r the benefits having a life insuran |
| what do you have to pay usually a month?what happens with the money imagine if it was a 30 yr term and after 30 yrs will the money be paid out?... |
|
 If you get married out of state, can your parents insurance drop you.? |
Is this true? I was not able to find anything on it, and I doubt it is true. I would like to try though.
Additional Details
Well thanks for the answers, I have a child on the way and I ... |
|
 Do you know any UK life insurance companies that refunds all of your premiums if you do not claim? |
| Do you know of a uk life insurance company that refunds all of the premiums at the end of the policy?... |
|
 UPS shiping problem? |
| I am seeking advice on what action I should do. I am planned to go to Indiana from Maine, then from Indiana to California to where I will be going to school. I had shipped everything (or most ... |
|
 Complicated insurance question? |
| My sister accidentally backed into our house this morning with her car. While the damage to the car was only moderate (There was a large dent in the bumper, a few smaller dents, and some scrapes), ... |
|
 What should i do to be able to sell insurance? |
i've recently in life had to make a carrer change due to health related problems, and thought that becoming an insurance broker would be a good, stable job.
does anyone out there know what ... |
|
 What do they do for families who cannot afford a funeral? |
| One my very close friends just died yesturday. There is no obituary or anything and I do not think they can afford a funeral. What do they do for families who cannot pay for a funeral?... |
|
 Home Insurance For Special Cases? |
| I am trying to find an insurance company that will write an insurance policy on a very special home. It is way out in the middle of no where. They run on generators not normal electricity. They might ... |
|
 We have life insurance on my ? |
| We have life insurance on my husband and I am the beneficiary on the policy. but we are getting divorce. Am I still be beneficialy after our divorce go through?... |
|
|  |
macfarlane_mark | Insurance and whose liability it is to insure a property.? |
Hello, in the UK can anyone tell me who is typically responsible for insuring a house that is being let out to a private tenant? I know the tenant is responsible for insuring their contents but who is responsible for insuring the house itself? This is based on there being an agent managing the property. Is the agent obliged to insure the property or is it the owner?
Also does anyone know the longest time you can leave it before making a claim from the insurance? Is 2 years too long as we have been living away in America and the property was in the agents care during that time. |
 |
 
Margueritta K
|
macfarlane_mark, Home insurance is actually very flexible. I'm not familiar with all the fine print of my policy, but my homeowners insurance agent is always a phone call away. Try contacting your agent or a homeowners agent in your town. http://www.easyhomeinsuranceguide.com They will be able to assist you. |
|
SimonC
|
It is the owners responsibility to insure their buildings. An agent is someone who acts on behalf of someone else (the principal). It would be perfectly acceptable to authorise your agent to insure the property on your behalf. Whether the agent should have done in your case depends on your agreement as to what the agent is expected to do.
An insurance policy is a contract and you have up to 6 years to start a legal claim based on a contract. However, your policy may have a shorter timescale. |
|
car253
|
The owner is reponsible for insurance on the home.
The tenant is only responsible for their own personal property.
The agent managing the property is not responsible for either.
Why would you leave your property without someone supervising it? |
|
Kickinkitty
|
As others have quite rightly said, it is the owner of the property who is responsible for insuring the buildings.
Insurance is based upon the principle of "insurable interest", so it is only possible for you to insure and subsequently benefit from a policy convering something you have a direct financial interest in.
Therefore a tenant cannot insure a house he or she is renting, in the same way that the owner of the house would not be able to insure the tenants contents.
As regards you question about claiming, I am curious as to why you are asking. Don't forget you can only claim for damage that occured during a period when the property was insured, so if you did not have the house insured in a month when there was a storm which damaged your roof, you cannot then take a policy out in January and expect to claim for that damage. You need to bear in mind that insurers do a lot of investigation work when paying out claims and they have experts on board who will be able to advise your insurers as to when something happened, whether the damage has subsequently worsened by being left, and in fact whether you claim is valid at all.
If you want to run the details by me, I will happily give you some advice via email. |
|
hayley
|
if you are renting you only need to insure the contents. the landlord needs to have insured the house themself. this should be in the rental agreement along with details of what may happen if there is a fire or anything and the house is no longer habitable. the tennant is only responsible for contents. |
|
DOROTHY T
|
You may try to google it,here http://www.InsuranceFreeTip.info/insurance-for-free.htm has some direct resource that might be helpful. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
6 | 39 minutes(s) ago
| | | |
6 | 2 hour(s) ago
| | | |
6 | 5 hour(s) ago
| | | |
6 | 6 hour(s) ago
| | | |
6 | 9 hour(s) ago
| | | |
6 | 2 day(s) ago
| | | |
6 | 4 day(s) ago
| | | |
6 | 5 day(s) ago
| | | |
5 | 1 week(s) ago
| | | |
4 | 3 week(s) ago
| |
|
Homepage 
Financial
Forum 
Insurance 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
