 My tree fell on the neighbors fence and his dogs got attacked, who pays? |
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A tree fell onto my neighbors fence after a windstorm a couple months ago. By law, our insurance is responsible for what is our property and his for his. The Fence is his ... |
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Have ... |
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 A 30-mile-wide meteor may hit Earth in 2056. Are you buying insurance now while the rates are still LOW??? |
It would seem a wise business decision to my way of thinking.
Well, ARE YOU ???
Additional Details
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randomjog | Is homeowners insurance a complete scam? |
my former agent admitted it was worthless as insurance and explained that i was buying it because my lender required me to do so. she could not explain why she did not tell me this when i bought the insurance. |
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Bradley S
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It’s not a scam. It’s hard to know what your agent was thinking when he or she said that. The insurance company is obligated to pay for damage to your dwelling caused by any number of things, such as fire, wind, ice, or snow. Depending on where you live, damage from certain things might not be covered, such as hurricanes, earthquakes, and floods. The lender requires insurance to protect its investment in the home. You can read more about homeowners insurance here: http://www.homeownerswiz.com |
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van_at_lincoln
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Your former agent is an idiot. |
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Phil
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Your former agent is a clown that should be selling used cars. Homeowners insurance allows you to buy a home. Without insurance, no financial company would loan you the money to buy the place. (Do you have enough cash on hand to buy it?)
Insurance covers the certain types of risks that you paid them to cover. If you don't buy a dessert, do you expect the restaurant to give you one anyway?
Apparently you have experienced a loss that wasn't covered. Sorry about your luck. Part of life is accepting that there will be some risks that you will take. If you tried to insure every potential risk, you couldn't afford to buy the stuff that makes life enjoyable. |
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Curious Professional
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Do you mean TITLE insurance, because I can't imagine a licensed real estate agent telling you such a lie. Homeowners insurance is ABSOLUTELY necessary! If you own a home, your house MUST be protected against accidents (too many to list), and God forbid someone is hurt on your property.
Owners title insurance on the other hand is not necessarily necessary. This has to do with the property changing hands/ownership over time. |
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AnOrdinaryGuy
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Your agent is silly. If the bank requires the insurance, then you have to buy it or you don't get the loan. Homeowner insurance covers your house against damage by fire, break-ins, falling trees, wind damage, etc. You might say none of those are likely to happen to you and you might be right, but the premiums are really low, just a few hundred dollars a year so it's not a bad deal considering the risk. |
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shelcom
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get another agent. this one is obviously an idiot. |
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Andrea B
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They might say that it is worthless because certain things are not covered by homeowner's insurance. However, if your water heater exploded and your entire downstairs was flooded including televisions and work out equipment, I'm sure you would be happy that you only have to pay a few hundred dollars to get it fixed and get all of your possessions back. I personally think that insurance is a good idea because the piece of mind keeps you from having to worry about rebuilding your house and rebuying all your possessions if something were to happen. |
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robscob311
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Get another agent.... they should have their licensed revoked.
Its agents like that, that give us a bad wrap |
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toby
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You've got to be kidding. Insurance is there to cover the claims that you could not possibly handle on your own. If a person slips and sues you for $500K (and wins), do you have that kind of coin laying around? If your house burns to the ground, can you afford to rebuild it? Everyone knows that there are some piddly things that are not covered, depending on the policy. Don't lose sight of the big picture. That small amount you pay each year is protecting your family against possible financial ruin. Think it can't happen to you? Turn on the news tonight and watch the story about the family who lost their home to fire.... They thought the same thing yesterday. |
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Spock (rhp)
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don't know where you are mate, and I sure want to keep my policy, tyvm.
just one 'slip and fall' accident here in the states could easily lead to a lawsuit claiming the entire value of your house -- so I'd sure what the insurance company's attorney to be defending me on the insurance company's dime. I do not know any good defense attorneys for civil suits and (hopefully) will not be meeting any.
Not to mention the possible break-in while you're at work and resulting theft of all electronics and your cheque book.
oh. |
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Anthony
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It is sad that people like that are working, while good people, who know their industry and are good at what they do, are unemployed.
That is the most ridiculous thing I have ever heard. If you told me the receptionist said this, then I would say ok, she hates her job or was having a bad day.
The lender requires insurance because they know you don't have the money to replace the home (that their money is invested in) if it burns down.
Unless you are paying cash for a home AND want to be 100% responsible for buying a new home in the event of a fire, or replacing any thing that is damaged due to "acts of God" AND (as one mentioned) you have enough money to cover a lawsuit by anyone who sues you for anything related to your property and wins (doesn't have to be legit, remember the McDonalds coffee lady?), then you NEED insurance.
Report that agent to the insurance commissioner and help save the people in your state from bad advice (or paying cash to rebuild their homes in the event of a fire) |
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Dart Swinger
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If you want to buy a home, you MUST have homeowners insurance. It's that simple. No, it's not a scam per se. You just have to choose the right company.
DO NOT do business with The Hartford. They're the WORST!
A few good ones are:
Nationwide
USAA
Amica |
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