 I have a standard Homeowners Insurance on my house. My crystal bowl was broken when in use. Am I cover? |
Does a standard homeowners policy in the U.S. only cover loss suffered from perils only?
Additional Details
Wow, a lot of great answers! Well, from the majority of it it would appear ... |
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 Life insurance questions? |
| I was signed up for a life insurance policy with my previous job, but I no longer work there. My husband has no life insurance at all. We just had a baby, and I'm really wanting to get life ... |
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 Whole Life Insurance? |
| I am from overseas and as i was growing up my parents signed me up for an insurance where 10 or 20 years later we had the option of getting the money. Is there a such insurance in the United States. I... |
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 What Life Insurance Company will let you buy a policy for your parents and pay for it yourself? |
| What company will just require a paper filled out by the parent giving the child permission to get life insurance?... |
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 How can i get a copy of someone else's life insurance policy if they are not deceased? |
| i am trying to avoid taking my ex to court to have him produce a copy of his court ordered life insurance policy. is there a way to obtain a copy of the policy if I know the agency name?... |
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 House Insurance -- Big problem - need advice!? |
| My wife and I own a house and are trying to obtain a new Homeowners insurance policy. You see, we've lived here for 2 yrs and were robbed 2x in the first 13 months...We since installed a GOOD ... |
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 Health insurance for poor people in the USA? |
| Is there any health insurance available for people who cannot afford to spend at least $300/month?... |
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| If I include my daughter on my auto insurance if she getst into an accident with her car ? |
| If I include my daughter on my auto insurance if she getst into an accident with her car and the car is included on my policy too, would my insurance price go up for me or only for her car?... |
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| What do I do if I dont have health insurance but I really need to go to the dr.? |
| I have applied for assistance and was denied because my boyfriend makes too much money but we can't afford $900 a mo. for insurance because of a pre-existing condition. I have had problems with ... |
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 Can my parents take me off their health insurance? |
| I am 19 years old and am a college student. My dad has Aetna (health insurance) through his work at ConocoPhillips and due to a recent ridiculous argument, they are threatening to take me off their ... |
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 Cheaper Car Insurance For Teenage Drivers? |
Can you help. I priced car insurance for my 16 year old son, and my premium will almost triple.
I know all of you will post that he should just get a job, and that is fine, but I want him ... |
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 Will insurance cover claim if car was stolen and keys were hidden in car...full coverage insurance.? |
Additional Details
I have full coverage insurance. I've heard people say no it won't pay, but it's just something they assume....no one I've talked to who say no, AC... |
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 What are the possible ways of saving money? |
| I am working in Genpact and I am earning a salary less than 10,000. I can save 2000 per month. Can you pls suggest me the best possible and profitable ways of saving my money. Are insurance policies ... |
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Steve G | Should smokers pay more for health insurance? |
This is the article where I read it from.
http://www.medsocial.com/blog.aspx?blogaction=viewmyblog&show=267 |
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Insurance Biz CT
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Yes, I believe they should. Many conditions that lead to increased medical expenses are preventable, and even self-induced. Smoking causes many more health conditions than anything that we do to our bodies.
Why should people who live a clean life pay for the decisions of those of us who don't? It's only fair. |
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Custo
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My employer charges people who smoke, a higher premium than people who don't smoke. I smoke. All in all, I was pretty ok with that. UNTIL, I noticed the amount of obese people in my company.
I eat really well. I'm not overweight. I exercise. I pay more because I smoke. Ok. Fine. The overweight lady who sits next to me has asthma, depression, diabetes, high blood pressure & cholesterol, heart disease, and some weird skin problem... She's constantly in the doctor's office. She eats whatever she wants, whenever she wants... If she wants pie, no big deal, she just uses more insulin. It ridiculous....
I don't mind paying more for my bad habit; but at some point, the criteria shouldn't just apply to smokers. |
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plan_ner
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Yes....As long as they put the same rate on people who eat at McDonalds, Drive fast, Have Genetics prone to disease, Don't exercise...Get the picture..... |
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dawn18415
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Yes. The higher the risk one is the more they should pay. |
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Jen
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its 5 dollars more a pay period for my smoking, attached to my premium |
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Peaches
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It depends how you look at it. Here is the other side
First, how do you determine who is a smoker? How would the insurance company know and contiune to monitor.
Second, smokers die sooner, so they wont be as much of a long term expense. |
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mbrcatz
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Well, yes, and so should fat people, technically.
The REAL question is, will you let the insurance companies and the free market make the decision?
Sorry, I don't read blogs - but here's your answer. |
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DanUK
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without a doubt.they r a bigger liability to the insurer so of course.Millions of people die as a result of smoking every year. |
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Rob D
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I'm reading some good, but unfortunately impractical responses here.
Insurance underwriting is based on the ultimate in fairness; actuary. Premiums for coverage are based entirely upon the quantified risk, that is the expected per capita cost of treatment within a specific class.
Unfortunately for smokers, or any other group easily differentiated as a higher risk, that means higher premiums. Many other activities are not as easily identifiable as to cost risk, but generally, everyone receives a pretty fair underwriting assessment. |
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Papillon
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It's not correct. It's discrimination. |
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johnec4
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smokers should get free insurance! |
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