 Self-employed, business insurance advice?? |
| Hi, I work at home as an independant contractor through a website. I have no actual in-home business occurring, all business is done online. I'm a counselor/therapist, and I am seeking some type ... |
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 Isn't your insurance policy rate supposed to go down with time, if no accidents? |
I thought it was but now we got a notice saying that after 2 years with the same policy we have to pay more. we have not had an accident or any tikets.
is this wrong?
why would they rase ... |
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 How long after you leave a job does your health insurance is supposed to expire? |
| My mother says by law, it should cut off 3 months from when you left the job. Does any know the legal side of this?... |
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 Ideas for health insurance....? |
| I am 22 yrs and quit my full time job (lost my benefits) and moved back in the with my parents to pursue getting my degree in criminal justice. I don't have health insurance at this point and it ... |
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 Why do people give out false phone numbers instead of saying No? |
| I have talked with people about the business I do and always have gotten a direct 'yes' or 'no' answer. Lately I been getting people that say they are interested and give a phone ... |
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 Is selling term insurance only lucrative? |
There is less profit for the Ins industry.
Can one make a reasonably good living selling term Ins only?... |
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 Whats the point in getting life insurance if your gonna die anyways? |
Additional Details
I mean insurance compaines are out there to make $, and if they did not make $, then they would be out of business, so odds are you will be wasting your money.... |
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 Can u fail at sales, even if u r passionate about product, prospects and have right approach? |
no sales person in my company is / was very successful at selling the product i sell. how can i succeed ?
i am passionate and very structured (SPIN, miller-heiman methods), but prospects ... |
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 Why can't I add my mother to my blue cross/Blue shield health insurance and she lives with me? |
| I provide her primary support. In fact, I am her only support. I want to add her onto my insurance with my dependents but I was told I can't do that. I don't understand why insurance ... |
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 Can i be billed for physical therapy visits from 5 years ago that were never billed to my insurance? |
| to begin with i was a minor at the time and they are sending me to collections for visits my insurance was never billed for in 2002. I guess the physical therapy place never mailed the bill to my ... |
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| Will GAP insurance pay the difference after the car is repossessed? |
My son had GAP insurance on his new vehicle. Now he can't continue the payment and may have his vehicle repossessed.
There will be a big difference between what he still owe on his loan ... |
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 I hope this doesn't sound terrible!? |
| I am looking to get life insurance for my mother. She has no terrible health problems or anything, and I don't expect her to fall ill anytime soon. She is really not in the position to pay any ... |
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 How long does nicotine/tobacco stay in your bloodstream? |
| I need to get my blood taken for an insurance exam, how long do I need to wait since having a cigarette to pass the bloodwork exam and get the non-tobacco rate? I have been told 30 days should be ... |
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albinoblu | Insurance for Apartment Buildings? |
Do any policies for landlords include the contents from the renters in the policy? |
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Sue
 |
No they don't because you can't insure something you don't own. A landlord policy will insure your building, your liability and your contents (such as appliances or maybe a mower you have there to take care of the lawn). That is it, it is up to the tenants to provide coverage for their belongings & their liability. Many landlords require that their tenants carry liability insurance & put it in the lease. This protects not only the tenant, it also puts a buffer for your insurance since if the tenant does something wrong (leaves something in the yard that can be tripped on) & someone gets injured to to THEIR negligence, both of you would be sued but their insurance would be primary since they were the cause of the injury. I always tell my insureds to have $500,000 liability & a personal umbrella too if they have assets to protect. A rental property is an asset that could be taken in a lawsuit. |
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Daniel C
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Not normally, no. The property owners insure the property itself. The renter is assumed to get his own insurance covering his personal property.
It would be madness for the owner to insure all his tenant's belongings. It's not his TV, his couch, his photos of long-dead Uncle Sammy. And what it would do to his premiums and how he would divide that amongst his tenants would be an absolute nightmare.
That's why renters are expected to get their own insurance. |
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stephenweinstein
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No, but renters can obtain their own renter's policies to cover this. It costs about $100 per year, give or take. |
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mbrcatz
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No. Never.
The TENANT has to purchase a RENTER'S policy to cover their own stuff. The landlord's policy pays THE LANDLORD. The tenant's policy pays the tenant.
And most leases specify that the tenant must carry renters coverage, and that the landlord is not responsible for any "stuff". |
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Kickinkitty
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No, only the lanlords fixtures and fittings can be covered by the landlords policy. One of ther basic principles in insurance is called "Insurable Interest" - this means that a person can only insure something that he has an actual financial insterest in. His tenants own contents are the insurable interest of the tenant. If the tenants stuff is damaged or stolen it will not be of any financial deteriment to the landlord. |
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Savannah B
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Nope, that is not the property of the landlord so why should he get paid for the losses? The only property inside the apartment that would be covered under a commercial policy would be items that were provided by the owner of the building such as the stove, fridge, etc.
A tenant policy can be obtained by each renter that will cover their own contents and is actually pretty cheap. |
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Diane M
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I'm a landlord and I wouldn't want to cover my tennants property. That is what renter's insurance is for. |
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njunprincess
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A landlord policy can include contents, but only for the policyholder. Some contents would include furnishings provided by the landlord, refridgerators, stoves, etc. They are not covering anything owned by the tennant. Sorry charlie, you gotta get your own renters policy for that (they are inexpensive). |
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ernesto_tig
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No, some coverage may be extended to appliances and other things owned by the landlord; stuff owned by the tenant gets no coverage. |
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