My parents who are approx. 70 years old are considering coming to live with my family to US. My main concern is how they are going to get the health insurance. Any pointers? Thanks in ...
A surgery was performed on the deviated septum a couple of years ago - turns out I STILL can't breath. And how will I go about getting coverage for a rhinoplasty....
Am I entitled to it? I was off on paid leave in 96, diagnosised with major depression in 95, and bipolar in 2003, I've lost jobs because I have a hard time while in a manic/depress ...
My wife got a bill from our doctor's office from July 2006 that states 'insurance has denied these services for timely filing'. 'We have submitted proof of timely filing $ they ...
I am at a job that offers a domestic partner insurance policy that allows me to have my fiance on my plan for our family plan. I was offered another job that does not have the domestic policy but ...
Is there a way I can declare myself as an independent (meaning my parents don't claim me as a dependent on taxes and stuff like that)? I'm not quite sure how it exactly works. I've ...
I was under the assumption that all employers are supposed to provide continued health coverage for an employee after they leave for a certain length of time....
I am a professional negotiator and want to get into private hostage negotiation with a mercinary army.
Anyone out there who works for one and can get me in....
The facility that I work at, is under Investigation and there are several former caregivers that are in jail for alleged abuse, I want to protect myself (economically and civil wise) even though I am ...
I really dont know where to start. I have heard that i cost a lot more to get insurance on your own. How do i get the best price? Or the same price as if i was getting from an employer?...
1) decline 2)pip insured only 3) pip insured and relative only 4)pip insured with excluded work loss. Also they want 2 know if i want additional pip coverage.What should i say?...
I currently receive bi-weekly unemployment checks. I live in California, but in a few months, I will be relocating to Texas. Basically I just need to know if I will be receive insurance from another ...
Can you purchase whole life insurance that is good no matter where you live so say you spend a couple of years in europe then back to the states then off to asia . are you always really covered by ...
Home insurance is actually very flexible. I'm not familiar with all the fine print of my home policy, but my home insurance agent is always helpful. Try visting your agent or a agent in your city. http://www.usinsuranceadvisor.com/Home-Insurance.html They should be able to assist you.
RAY
So what you’re saying is that you’re about to close on buying a 75 unit apartment block and you haven’t researched insurance costs, even with your current insurer?
Oh well to each their own….
If you own a portfolio of such properties you’re almost certainly better off insuring them as a portfolio not as individual properties. You can do a much deal that way since you have diversified risk (e.g. the chances of them ALL burning down in any one year is less than the risk that just one will burn down) plus economies of scale kick in a bit.
Your best bet is to get a good commercial broker, if your properties are in more than one state get a national one.
Try approaching some of the International big boys, Marsh, Willis, Aon etc (links below or just google ‘em ) Won’t cost you anything to talk to them and they’ll give you some good advice if nothing else.
If you are arranging finance the bank will probably want some say in who the insurer is as well, but only to a limited extent and saying “I’m talking to Aon/Marsh/Willis” should ease any concerns.
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