 Life Insurance for a smoker? |
I'm only 28 but am thinking of getting life insurance.
I'm quite healthy but have been a smoker for 15 years.
How much more can I expect to pay for insurance as a smoker?
D... |
|
 Which Health Insurance plan is Good? |
Hi Friends,
I would like to take health Insurance to my mother. Which plan is better and from which company?
My mother requires operation in few months. if i take insurance plan,... |
|
 Does anyone work for a big life insurance company? |
| I had a call from a life insurance company asking me if I was my former husbands wife at the time of his death. which by the way was 6 and 1/2 years ago. any way they asked me a few questions and ... |
|
 What is the purpose of building cash value inside of a life insurance policy? |
| Who is this type of policy ideal for? I am almost thrity and considering many options at this point, but I don't want to consider any options solely based on my representatives opinion. What ... |
|
 Why is health insurance not assessed like automobile insurance? |
| Why do auto insurers consider things like commuting distance, age of driver, sex of driver, driving distance, how often you drive when creating a policy, but major HMOs and PPOs don't consider ... |
|
 Where can I get health insurance for just one month (August)? |
| I am looking for health insurance (on behalf of someone else) for just the month of August. He is insured through his mother through July, and begins work in September. He is planning to contact ... |
|
 Who is responsible to pay the deductible? |
| Has anyone ever heard of this before? He hit another car and the other car hit a parked car. Someone told him he had to pay the other two parties deductible. Does that sound right to you guys?... |
|
 Higher Insurance for 2 door or 4 door? |
| Okay, my friend is thinking about purchasing a 2007 Pontiac G6, but she wants the GT Coupe 2 door model. My question is, would the insurance be significantly (pay attention) higher. to buy a 2-door GT... |
|
 Whats a good cheap health insurance for a college student needing ADD medicine with a min wage job? |
| Like I said I only have a min wage job, and I completely support myself. I desperately need ADD meds, but I have NO health insurance. I need to be able to afford the health insurance too. I am a ... |
|
 Will my seat-blet ticket effect my insurance? |
| My old cars seatbelt is out of order but since I was getting late for work I couldnt wait for my husband to drop me off in his car. Thats when I was pulled over and slapped a $25.00 fine for not ... |
|
 Professional Indemnity Insurance? |
| Can anybody tell me the difference between Professional Indemnity Insurance and Liability Insurance, I am a business who goes into offices to work and I have Liability Insurance and I've been ... |
|
 Which are the best reliable life insurance company? |
| I am looking for a competitive life insurance offer from a top-rated company. I am an expat working in Saudi Arabia.... |
|
 Concerning car insurance, why would your credit score effect your premium? |
| why on earth would your credit score have an effect on how much a person pays for car insurance? i was told by independant that my rate would be lower if i had had a more "favorable" credit ... |
|
 How much does an auto insurance agent get paid? |
| ..so i was wondering going into the field of auto insurance and what would be the dollar premium that an agent get paid or the minimum...just received my license so i think thats pretty much it..i ... |
|
|  |
Marie4Nick | Is there a way to get liability insurance on a vacant house? ? |
I had a fire and liability policy on the house and the insurance company cancelled both policies. What can I do?
Additional Details
Thanks everyone for all your helpful answers. The property is in NJ and like Mitch stated this was a big company (Allstate). I'm not sure why they canceled it. I didn't put any claims in on the property. It originally was a rental. I was going to fix it up and rent it out again but now I think I'm going to sell it. I just want some type of liability insurance on it until it is sold. I don't want someone suing me if they get hurt on the property and then I could lose the other house I have. Thanks again for all your help. |
 |
 
Mitch
|
There ARE companies that will write coverage for vacant properties. There are also companies that will cancel your coverage if your property is vacant. They do so as this is a material change in the risk since the time the property was written (and presumably occupied).
You don't say why the policies were canceled. As long as it is just due to the property being vacant, you should be able to obtain coverage. I would suggest contacting one or more independent insurance agents as they are more likely to have a company that can provide that type of coverage. In my experience, the larger companies like State Farm and Allstate are not interested in that type of property insurance.
As a general rule you will pay more for vacant property coverage than you would for a normal homeowners policy.
Good luck in your search! |
|
Sue P
 |
Well firstly you didn't state why they cancelled the policies, it could be because you didn't initially tell them about the unoccupancy or they could simply have changed their underwriting conditions. It is quite difficult to get insurance on a vacant property and if you do get it, companies often insist on the house having an alarm or something like that. If you have other insurance elsewhere (for your own home or car) that should be your first port of call as sometimes insurance companies will cover an undesirable risk such as an unoccupied property if you already have other policies with them. Other than that, simply do an internet search unoccupied property insurance and see what comes up! Be prepared to pay a high rate for it, its normally twice the rate if not more of a normal risk property. Good luck ! |
|
firerescue325
|
you had a dp1 policy- you should call around for a new company and make sure you tell them it will be vacant. i've seen a couple of policies lately held by clients that have a vacancy stipulation that if the building is vacant for longer than 30 days, then the coverage is null and void in case of loss. at the very worse, nj has a basic fire coverage policy available to people who can't get insurance else where.. you'll pay through the nose for it and it doesn't cover much but it is coverage.. |
|
car253
|
You need to post what state your in.
If your in California you might be able to get the California Fair Plan for fire. The problem is getting a separate liabililty policy may be impossible. You should seek out a broker. |
|
mbrcatz
|
The cheapest, easiest way to get liability insurance on a vacant house, is to talk to your homeowners agent, and extend the liability from the house you live in, to that "secondary residence". It will cost between $15 and $30 a year. DIRT CHEAP.
If you have no primary homeowners, buy a renters insurance policy, and extend the liability from that.
If you go for stand alone liability, it's going to cost about $750 a year.
If you're looking for property AND liability coverage, Foremost does a pretty good job at a really cheap - relatively - price. www.foremost.com You can add the liability for a single family home to their vacant property policy, for $100. But the property part is expensive. Cheap, compared to other policies for vacant property, but expensive compared to a homeowners (owner occupied) policy. |
|
Andrew
|
where exactly do you live? pls email me at ndrw_tan@yahoo.com. i'll check to several insurance company. maybe you can explain too what are their reason cancelling your policies. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
5 | 3 minutes(s) ago
| | | |
5 | 31 minutes(s) ago
| | | |
5 | 2 hour(s) ago
| | | |
6 | 7 hour(s) ago
| | | |
6 | 2 day(s) ago
| | | |
6 | 2 week(s) ago
| | | |
6 | 1 month(s) ago
| | | |
6 | 3 month(s) ago
| | | |
7 | 5 month(s) ago
| | | |
5 | 8 month(s) ago
| |
|
Homepage 
Financial
Forum 
Insurance 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
