 What does an insurance deductible mean? |
| I am shopping for medical insurance, and I am uneducated in the insurance field, could someone ecplain to me what an insurance deductible means?... |
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 I pay $4000 a year for Hillary's health insurance plan. Is that too much? |
I have the great health insurance of the Federal Government, BCBS, with Metlife Dental and I pay $4000 a year or $333 per month.
Additional Details
Family plan, my wife and I on it.... |
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 Why are metlife, prudential, and New York life allowed to keep selling whole life, variable life, and other bs |
| This goes out to all the idiots who answered me before saying take your personal problems elsewhere, or i was dooped for having a 5th grade education. But actually i have $250,000 term life insurance,... |
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 How can we change the law for auto insurance? |
| I had to fight to get where I am now, I have insurance that I don't have to pay a crapload for. Why is it the law to have insurance? If we have a law for insurance, I think we should have laws ... |
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 Husbands life insurance. is this normal? |
| my husband and i have one child together he is 4 years old and he is the first benificiary which is great but my husbands mother is the 2nd beneficiary and i am not on his life insurance at all and i ... |
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 Should I buy Whole Life Insurance??? |
| I am looking as this a way to invest, I know that term is cheap. My wife and I both have a good income in our 30's and contribute our max $15.5K/year to our 401K's. To meet our retirement ... |
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 Why life insurance is so cheap ? |
| are they really going to pay after death ???... |
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 Do you normally get paid for covering someone elses shift?? |
| i am doing work placement at a care home, and i really like it and someone was saying do part time and cover for other peoples shift's??? does that mean i get paid for covering other that ... |
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 How can the poor get the medical care they need? |
| How can people who can't afford health insurance get the medical care they need? My dad was afraid to go to the doctor because he was afraid he can't afford it. He doesn't have ... |
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 Who pay's for theft? |
| my car got broken into today at my work and i lost 1500 dollars of goods no signs are posted that say there not resonsibly for autos. it was on there property and im there worker should my work ... |
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 If i quit my job to get medical treatment can i get unemployment? |
| I have been treated here in NY for a medical condition (it does not prevent me from working but if i do not get treated it can have consequences) but i have not seen any progress. I want to quit my ... |
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 Was fired, couldn't pay insurance premium, had my baby..now how to pay hospital bills? |
| I was fired 3 weeks before I had my baby. My employer had been paying the insurance premiums and since our income was cut in half, we couldn't afford it on our own. Now that I have had the baby, ... |
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 Can my car insurance be cancelled for a late payment? |
| My car insurance payment is due the 9th of every month for $116. I am a little short on cash right now. I may not be able to pay it until like the 25th. Can they and will they cancel my policy for ... |
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elizabeth m | My father forgot to pay a home insurance premium. Our insurance was cancelled. How can I get new insurance? |
I have tried to get a new policy, but most companies won't even give me an estimate. I have tried twice to get policies from companies that gave me an estimate but both companies didn't accept the payment. We are in Wisconsin and have never had an insurance claim in more than 20 years, so I don't think it depends on hurricane Katrina. I have been told that if I was a new owner I wouldn't have any problems, but we have had our house since 1945. Could I sell it to my husband? We have good credit and my father simply forgot to send the check (he was 92).
Additional Details
I have submitted requests twice to on-line insurance search sites. Their representative called and gave me a quote, which I accepted and agreed to pay by credit card, but they never put the payment on the card and I never heard from them again. Both told me no well known insurance company (Hartford, etc.) would insure us because State Farm had cancelled our insurance, so we had to use unheard of companies.
Our insurance was with our local State Farm agent, who returned the late check and refused to insure us. This is a new agent, but the same agency had insured us for years.
The house belongs to our trust.
I will be back in the US in July, so until then I can't visit the friendly local agent. |
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blb
 |
Something doesn't make sense. Is there something wrong with the house, does it need paint, new shingles?? Did you sign an application for a new policy? Insurance companies will accept a payment unless they are unable to insure the house for some reason. There is something else to this story that you either don't know or aren't telling us. Contact the companies that wouldn't accept the payment and find out why |
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TedEx
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Do you have a local agent???
Get one if you don't.
Look them up in the yellow pages, and make that call. |
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Jeremy S
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It sounds like your home is vacant, which is the cause of your problem. Obtaining insurance on a vacant home is very difficult and will require time to find a speciality company to handle this for you. I'm assuming this as you stated that you will be out of the States until July. |
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Queen B
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what are you not telling us? this makes no sense at all. |
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stewiegriffin4president
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1) If the house belongs to a trust, it has to be insured in the name of the trust and must be signed by whomever is responsible for the trust,
2) many companies won't insure a house that isn't owner-occupied, so if it is vacant, this may be your problem,
3) it could be time to rewrite your homeowner's policy, in which case, most companies require an agent to photograph the house, obtain an appraisal to make sure the policy has enough coverage for what the home is worth, and usually the owner (in your case, the person responsible for the trust) would have to sign the rewrite
4) some companies put an age limit on homes, like they may say if your house if more than so many years old, it has to be written on a different type of policy, again, requiring a signature
5) no insurance company can flat out cancel a policy without giving you some sort of notice (a letter, a phone call, etc), usually a notice of at least 10 days is required...this letter and/or phone call would have to list the reason for cancellation as well
My advice? Call the agent who had the policy (the guy at State Farm) and ask him what is going on and what you need to do? If he can't write it, the least he could do is refer you to someone who can. Most agents will refer you to another agent if they can't help you, to not do so is lazy and just plain rude.
And I'm with everyone else on here. It sounds like you're leaving out a piece to this puzzle of confusion. Or maybe you've just misunderstood something. Call the agency who had the policy and ask for clarification. |
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jogmaya
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Apply here. http://www.tkqlhce.com/click-1748196-10307963 |
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fushia
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go on line and explore the possibility of new insurance company's don't give up to easy there must be some firm that will insure you. ask around your friends see if they will make a recommendation for you. |
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mbrcatz
 |
Whoever owns the home has to get the new policy. What's the problem? Are you trying to insure the house for sillly low? Is it owner occupied?
I'd suspect you just aren't trying hard enough - contact a local, independent agent. You *might* have to go with a high risk company for one year, if the house has been uninsured for more than a month or two, but an independent agent should be able to place it, unless there's an inherent problem with the house. |
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Nate W
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If you lived in CO, I'd write you today!
Call around to some different insurance companies, something doesn't seem right. Having a lapse in coverage may raise your rate, but you should be able to get insurance without too much fuss. |
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banish taylor
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I ask why won't an Insurance Co. insure a home in a trust. I have a Living trust in my name and all it does is keep the house out of Probate if I die. My Executors must sell to pay the loan balance. The house is my primary residence. The type of trust was not specified. What the Cos. problem is I don't know. Anyway, I was denied insurance by 21st.Century. I won't bother with them again! |
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