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 Can IL employers require a copy of my childs birth certificate & social security card for Insurance purposes?
My ex just started a new job in IL & the HR guy told him he has to have a copy of my daughters birth certificate & social security card for his medical file in order for my ex to cover our ...


 I was in a car accident and a cow was in the road and I ran into the cow. Is the owner liable for damages.?
Are they liable for car damages only, because I had to go to the doctor and I have whiplash in my neck and back?...


 Should I get Mortgage Life Insurance? (If I die, my mortgage is paid for.)?
It costs $2.43 per week for 24 years. I live with my boyfriend and he has bad credit. If I died he wouldn't get approved for a mortgage, so he would be forced to sell the house.
Additional ...


 Are car insurance companies allowed to charge a cancellation fee?
...


 Bought a car for a friend.She quit paying the payments and insurance.She is parking it getting tickets etc etc
It is 100% in my name ,she is not on the loan or insurance in any way.(I know im a sucker).So now she says its her car and I have no say because she made the down payment,cash no contract. Im going ...


 I am appalled at how my insurance company have treated me, with respect to a recent burglary I have?
experienced. I feel I want some sort of compensation from their flippant, lax treatment. Do you think I should try, seeing as there is so much competition around with other insurers?
A...


 When should a person get rid of their life insurance?
If they am retired and make enough to live on and have enough saved to live off it for say 6 to 7 years, should they still have a life insurance policy?...


 A better way acquire an affordable health insurance to cover my family?
if I work for, say Pizza Hut as a part-time while I earn $65K/yr full-time job? I dont want to spend too much monthly payments on health insurance?...


 I have a small business in SC with 2 employees & myself working. Do I have to provide workman's comp for us?
...


 Who is fedex health insurance through?
...


 Very basic everyone's insurance type of question, please help me?
I'm out of state on vacation. I've had some minor (major?) health issues with my child. His doctor took him off Zithromax 2 days ago, but his symptoms are not improving. He has 2 ear ...


 What kind of auto insurance would cover me?...?
I just bought a new vehicle (truck) but I have not had insurance coverage in the past 90 days. Just being careless...but I know alot of insurance companies won't accept me for that. Does anyone ...


 Does anyone no where I can get help to pay medical bills?
Unfortunitly I losed my medical coverage on 6/30/07 and was told I would be able to enroll in another program but that was a lie and then I was in the ER on 7/15/07 and I don't have any ...


 I am doing project on insurance, so i want some material on insurance on net i am not able to find it pls... h
i am doing project on insurance i want information on insurance pls... help me out with my problemi am searcing for material on insurance on the net pls... some one help in getting information on net ...


 Will United Healthcare pay for my gastric bypass surgery?
My doctors have deemed it medically needed and my BMI is a 50.18....


 How do I go about cashing in an insurance policy if the company no longer exists.?
I have three old insurance policies that are paid up. I want to cash them in for the face value. But the insurance company from which they were purchaced no longer has a listing in any directory. W...


 What is the best health insurance and life insurance policies to go with?
I am recently out of the military and need to purchase an individual health ins policy. However, I am not sure which ones are the best. I am a student, do they offer any good student policies? Also, ...


 What car insurance company would be best for my situation?
No accident for 5 years, no tickets for 3 years, excellent credit.

So, what quality auto insurance companies only look back 5 years for accidents, 3 for tickets and weigh in good credit?<...


 How can i get very cheap health insurance?
i am 18 yrs old, i go to school and i work at a place that doesnt have insurance and i really need to go to get my teeth pulled and i need to go to the doc for my stomach... how can i get free or ...


 Health Insurance Help!!!!!!?
I need health insurance coverage.... especially for my prescription, I pay about $200.00 monthly on my medication, Effexor, Birth Control, Acne Cream.

I need help on what type of coverage ...



ChoobiesMom
Should I get earthquake insurance?
I live in California. The quote I got was $150K dwelling, $5K personal property. The deductible is $22,500 and the annual premium is $370. Is this worth it?
Additional Details
My house was built in the 1940s. Are the chances of foundation damage higher?
                     
 




XUSAAAgent
You would have a 15% deductible ($22500), and the insurance is not all that good if you really read into it. It is first come, first serve. So if it is a big one, they will run out of money. And the coverage is as basic as it gets, basically 4 walls and a roof. The personal property coverage is not all that much either. Judging by what is actually a low premium, you are not in a high risk area. The coverage can be attained at any time, insurance companies are required by law to offer it (they may be reluctant as they would have to cancel and rewrite the policy and provide you a new 1 yr policy). Bear in mind coverage tends to be suspended for 15-30 days if an earthquake occured anywhere close to you.


rollo_tomassi423
It's worth it if you have more than $22,500 of damage in the next earthquake, but it's a waste of money if there is no earthquake. So how can you answer the question of whether it is worth it? It's the same as any insurance. The premiums are always a waste of money unless the bad thing happens, and then you will be very thankful that you paid them. What you get for your money in the meantime is peace of mind. Anyway, this quote sounds pretty good to me.


msantos030
Rating
Well that depends what part of California u live in, but the chances of an earthquake here in California if very little almost nothing. Why is ur deductible to high? usually the deductibles are $500.00.


Richard
Rating
how much is u house worth. 370 not bad deal if u house is aleast worth more than 500k


BeachBABE
No its not really worth it. How long have you been living there in California? If you have been living there for a while you realize that a. earthquakes are very uncommon b. they rarely do damage anyway and c. most structures in california are retrofitted to withstand earthquakes. If you have the extra money go for it but if its gonna be a squeeze i would say to not get it. Also, unless an earthquake totally decimates your house the deductible would porbably be more than any damage done.


ilessthanthreeyou
Rating
that sounds pretty good, but i would definatly get it. i live in southern california and it is definatly worth it. even though there aren't earthquakes all the time, it is worth having it there as a backup


bombhaus
Rating
All you have to pay is $400 a year? That nothing considering a good earthquake will probably crack your foundation and/or completely destroy your house making it unihabitable by law.


mbrcatz
deductibles for earthquake are usually a percentage amount. If there would be an earthquake, and your house damaged, can you afford to fix it on your own?? If it wouldn't ruin you, I wouldn't buy it.


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