 When people say "I dont have money to buy insurance?" how to solve this objection? |
| Sell people insurance will face a lot of objection.. How I gonna solve all the objection?... |
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 Next year I will not have health insurance, what to do? |
| I am on my fathers insurance and next year I will lose it. I can't afford health insurance as I am a full time student. Is there anything I can do besides dropping out of school?... |
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 Home Insurance? |
When i enquired about home insurance, i was asked if i had a criminal record.
Would they find out if i said i didn't have one?... |
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 Legal rights for life insurance? |
| My late husband beleived that I was the beneficiary of his life insurance. I REMEMBER early in our marriage that we both changed our beneficiaries to each other. He told others that I was the ... |
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 Why would they want my car insurance information if i was the pedestrian injured in an accident? |
I was crossing the street and was hit by a car. Why do they want my car insurance information?
Additional Details
Why would they want it? and what if my insurance expired?... |
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 Is it legal for a doctor to refuse doing a procedure because insurance doesnt pay them enough to do it? |
Additional Details
let me add some..I am on medicaid, i want to have a procedure called essure done...medicaid covers it and there are a list of docors who perform the procedure that ... |
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 Cancel Health Insurance? |
| My boyfriend works for DynCorp and is not happy with his insurance. They're charging him $375 per payday (he gets paid bi weekly), and it's just for him and his daughter. They told him ... |
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| Mortgage Payment Protection...is it worth it? |
| We currently have mortgage payment protection & are going to try & find a cheaper policy for it as our one seems quite expensive. But is mortgage payment protection worth it? I've read ... |
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 Fiance's mom pushing life insurance? |
My fiance was recently diagnosed with Hyperemeis ( http://hyperemesis.org ), a disease which affects 1% of pregnant women. Due to this she's been in the hospital 3 times in the last month.
<... |
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 Ok big decision here so I need some expert advice. Question about Life Insurance? |
| I'm buying Life Insurance. I have a 8 month old and I'm 28, non smoker and in perfect health. I got a quote that is for 30 years and for a 1,000,000 premium I would pay 70.84 a month. T... |
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 Car insurance WITHOUT a bank account? |
does anyone know where/what car insurance i can get as i can not have a bank acount or debit/credit card.
can only pay with cash by monthly ... |
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 I own a office condo , i was told that i didnt need property insurance,? |
| because the condominium association does that since condo owners only own whats inside not the structure itself, but i have the bank calling me about property insurance., What kind of insurance ... |
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 Where is a safe place to keep important papers like life insurance policies, your will etc.? |
| I read that you shouldn't keep these in a safe deposit box but the article didn't say why.... |
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 Does term life insurance take into account the combined income of a married couple? |
| I have seen around the internet that the maximum term life insurance policy allowed for a person in their 20s is usually 20 times their income. However, I was wondering if there are any policies that ... |
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 Ive had auto insurance in my own name for 2 years and ive payed it every month in full and on time? |
| now if i were to try and get a loan for a new car would that help as far as credit or anything? like if they ran my social securiy number and name would they see that i have good bill payment history?... |
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sugarkookie20 | What is the difference between renters insurance vs. homeowners insurance? |
I've consulted my insurance company about insuring my personal property and said I need a renters insurance, but I own my home. I am confused. Isn't it what I need is a homeowners insurance? or renters insurance applies with owning a home too? |
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lucee
 |
No, renters insurance and homeowners insurance are two different things. If you own your home, you need homeowners insurance with a personal property rider that covers such things as jewelry, computers, tv and electronic equipment. Homeowners insurance covers the house and its contents.
Renters insurance is for people who rent a house or apartment and want to cover the contents only. They can't insure the building, only their furniture, etc. |
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txrealestateagent
|
Find a different insurance agent. This is a very simple concept. You need homeowners (hazard) insurance.
Hazard insurance insures your personal property, the real property (structure) and a number of other things.
Renters insurance is for renters, as the name implies. Renters insurance covers the renter incase their person belongs are damaged under the terms of the policy. Since the renter has no ownership interest in the rental property, they have no insurance interes in the property. |
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SlapHappy
|
When I rented from someone else, I had rental insurance. Whenever I've owned my own home, I've had homeowner's insurance, also called "hazard insurance" on the mortgage. I'd suggest clarifying it further with your company. |
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dennis l
|
renters insurance covers the tenants of a rental apartment/or rental home. the coverage is activated when there is a loss at the rental property the tenant's personal property is covered.
homeowners ins. covers the home, its contents and Any liability exposure to the homeowner.it doesn't cover tenants property. best to check your lease/rental agreement when you are renting. hope this helps. |
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mkulda
|
You were mis-advised.
I suspect either you answered the insurer's questions incorrectly or they didn't understand what you were asking.
If you own the home...you need a homeowner's multi-peril insurance policy....simple as that.
If you are renting from a landlord who owns the property, then you need a renter's insurance policy. |
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chazzer
|
Well, I wouldn't be using them as MY insurance agent !!!!I would be going somewhere else... |
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Sherral
 |
Renters insurance only covers your personal item inside the house. Homeowners covers the replacement of the house itself. |
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patricialer
 |
VERY IMPORTANT: 3 Things you need to check before you buy any homeowners insurance
1) First Loss Policy
- This feature ensures that the insured will not be penalised
in the event of underinsurance.
2) Full Theft Coverage
- In event of burglary, evidence of forcible or violent entry is not
required.
3) Worldwide Personal Liability
- When held legally liable for causing bodily injury or property
damage to third party due to negligence |
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mbrcatz
|
renters insurance is also called a Tenant Homeowners policy. It does NOT include coverage for the building itself - only your liability, loss of use, and stuff inside the building.
If you don't own the building, you need a Tenant Homeowners, aka, renters policy.
Why would you not want to insure the building, and only the stuff inside it?? It's much cheaper to insure a house on a homeowners policy. If, for example, it's a four family unit, then it's not eligible for homeowners, and you would put a dwelling or commercial policy on the building and loss of rents, and take a renters or tenants policy for the liability, contents, and loss of use.
Don't let the "label" hang you up on the product - the real difference between policies is the coverages they offer - you need to buy it based on the coverages, not the name. |
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hrt
 |
homeowners insurance covers your actual dwelling...it will only cover personal property on the inside if you itemize everything...usually with a video camera. homeowners is for the structure itself...not always the personal property on the inside...which is the opposite of renters insurance..that's probably why he told you to look into it. raise your limit on your homeowners insurance and take a video of everything in it. be sure to list everything...and receipts are helpful |
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