 Whats a pre existing condition? |
I want to get my throat checked out by a doctor, so I'm shopping for insurance plans... if somethings wrong with my throat, is that a pre existing condition??
Additional Details
I ... |
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 Life insurance at 23. suggestions? |
Hi, I'm 23 and I have a one year daughter.
I was taking in consideration to apply for life insurance.. is it cheap? what is a good company to stick with?
T... |
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 Can my parents still claim me as a dependent when the only thing they pay for is my health insurance? |
| I'm 21 years old live on my own pay my own bills, Im a full time student as well, but I have loans for that; no contribution from my parents.... |
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 700 Billion Bailout plan! What's going on? |
| As you know today congress rejected the plan. Leaving only 12 votes need to pass it. 70% percent of republicans are against it I believe.(correct me if I'm wrong) My thing is this. Wall street ... |
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 Am I paying TOO much for auto insurance? |
Guys,
I have State Farm and I'm paying $156/month.
I'm a 19 year old with a spotless driving record. I was eligible for the "good student" discount too. My car is ... |
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 Is it that most sales jobs are crap, and u earn tiny commission no matter how good u r? |
| did u have to change sales jobs many times before u got the one u make significant commission and u stay there to milk it?... |
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 PPO vs HSA. Which is better? |
| My husband's employer no longer will offer HMO's for their employees next year. We have been with our HMO for 7 yrs. He has to choose between a PPO or HSA (health savings acct). We have two ... |
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 Internet Insurance no help? |
| I am a resident in Suffolk Va. and a tornado hit my home. I have used an online insurance company (rhymes with bomesite.com) and now they are not helping me at all. My question is they want to just ... |
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| Injured at work before shift, insurance medical claim was denied, now am stuck with bill. What to do now? |
| Even after the incident, was told by my management that it would be in my best of interest to go to the E.R and miss work that it would be covered. Just got in the mail that the claim was denied ... |
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 Is mortgage disability insurance a good idea? |
| I have 90 day disability at work, but I would like to know my mortgage is covered should I become disabled. I am single and do not have family, so am less worried about life mortgage insurance than ... |
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 What does deductible mean when you try to get health insurance? |
| it says plan type : PPO. Deductible. 2,500. Coinsurance 20%. Office Visit. $30. Monthly Premium. $60..what does all that mean??... |
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 How does total loss auto work? |
| Does the insurance company (mine is State Farm, btw) send you a check with the amount of how much i still owed on the car? Like, i still owe 8k on it...if it's considered a total loss, then i ... |
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 Because AIG is going belly up, should I change to a different insurance provider? |
| I see that AIG is suffering a huge setback and is about to file bankruptcy. I am about to seek out a different provider because I do not want to continue paying money to a company that is about to ... |
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 Do I have to have my flood insurance cover the amount equal to the cost of my new home? |
| Can I just pick the lowest amount of coverage? Say my home costs 72,000 can I get the insurance that will cover up to 35,000 in damage to the building? I have to have flood insurace if I buy this ... |
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 Homeowners Ins with pitbull? |
| How can i get home owners insurance if i own a pitbull. he is tiny he weighs 55 lbs,2 yrs old not mean, never bit anyone he is neutered and i can take away a raw piece of meat right out of his mouth ... |
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ceceruby | Renter's Insurance? |
I'm a college student who is in the process of getting my 1st apartment. Well, all i have to do is sign the lease and turn it back in, but it also says that i must get some sort of renter's insurance!!! what is a good cheap/reliable company?
Thanks! |
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Evan K
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Your landlord actually CAN ask that you have renters insurance. He or she probably wants two things: one, to know that you have liability coverage in case you or a friend causes a large amount of damage to the apartment (water overflow, fire damage, etc.), and two, your landlord probably doesn't want you coming back to him or her if the building is destroyed trying to sue him for your personal property.
Your landlord is just trying to protect himself and you in case something happens. The benefits of a renters policy make it almost insane to turn down for the price.
As everyone has said, look to where you have your auto insurance. You'll get the best discounts there. Otherwise, just about anyone should be able to help you out. It's possible that you and your roomates could all go together on a policy that would cover all of your personal property. Any agent should be able to help you make a good decision.
Good luck! |
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mbrcatz
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The cheapest one is the same one that writes your car insurance - the discount off your car insurance will more than pay for the renters policy.
A basic renters policy costs about $150 a year. Dirt cheap. ANY independent agent - or any captive agent - can place this for you. Any A rated company is just fine - these are pretty much "cookie cutter" policies. |
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Replace
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Check with the company that carries your car insurance. Often they give a discount for multiple policies. |
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Scooter girl
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The cheapest thing to do would be to see if you are covered under your parents homeowners policy. If you are a dependent full time college student, your parents homeowners policy might cover your belongings (5% of the total property insured) and also cover any liability you create within the policy limits (like burning the place down). So, if cheap is the way you want to go, have your parents check with their agent to see if there is coverage under their policy. There would be no charge for your parents, just automatic coverage. Also if there is coverage, they will provide a evidence of insurance certificate for you to show your new landlord.
If that doesn't work then the suggestions above about contacting your auto carrier to see if they offer renters insurance is a good one. |
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Holly H
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Renter's insurance in general is pretty cheap, ranging from $15-$30 a month for the average college student. You're looking to get about $10,000 worth of coverage, which should be enough to replace your belongings in the event of a disaster. The average All-state policy is $24 for renter's.
FYI: if you have a digital camera, is to take a video recording of your apartment with all of your stuff in it and save it, in case you ever need to prove what you own (this is like taking an inventory). Also take pictures of new things you get, like new electronics, artwork, etc. |
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Ted S
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Depending on where you live you will find that either State Farm or Allstate offer inexpensive policies. That said, while it is a very good idea to get renters insurance which will cover your personal belongings in the event of fire or theft, your landlord can not compell you to purchase the coverage if you don't want it. |
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