 Do Smokers have to pay higher premiums for life insurance than non-smokers? |
1- Do Smokers have to pay higher premiums for life insurance than non-smokers?
2- What is the current interest rates paid out on annuities in the USA?
3- When employing staff, should ... |
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 Insurance tell them or not? Will it help or not? |
| Ok since you guys answered my other questions all the people at work are asking me this stuff now, here's the latest.. A woman at my work is very overweight, she has tried very hard (I've ... |
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 How strong is my claim? |
| At a marshal arts fair, I was invited by some Japanese bloke to head butt a plank of wood which he said if I really really concentrated would break in half but it didn't and I've had a ... |
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 No really what do you think about adding 5 cents per gallon to only pay for health insurance.? |
| This is not socialism Pay as you go think about your answer first. No dumb answers please. Think about it.... your paying for insurance at the pump Instead of paying 20% for claims... The feds charge ... |
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| Is $16,500 good enough for you? |
| I was just offered $16,500 for pain and suffering from an auto insurance company as a result of a car accident that broke my left arm. They paid for my totalled car. They are paying my medical ... |
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 Can a love one to a peron on Death Row claim Life insurance on him/her?? |
| Will the insurance company allow the loved one to claim benefits after the execution??... |
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 Will it count against me if my housemate claims off the house insurance? |
| My housemate and I have a house insuarance policy with both our names on; if he claims for something will it effect my premiums if I get my own policy in the near future?... |
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 Car insurance? |
is it possible to have two inurance policies on one car?im wanting to get insured to drive my brothers car so do i have to be a named driver on his insurance policy or can i have my own?thanks!
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 Is anyone SICK about health insurance costs? |
I had great health insurance, but was fired from my job because I had a baby. My choices were: COBRA or another policy.
I plan on having another baby next year. There is NO insurance ... |
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 What insurance? |
| If a gym member slips on a wet floor during 'Jim's' (the gym instructor's) shift, what is the appropriate insurance Jim needs in this situation.... professional indemnity or ... |
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luvofpanda | What personal properties is covered with homeowner insurance? |
I want take picture of the items in my car and home for insurance policy. What is or isn't acceptable? |
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Crighton
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The best thing to do is first talk with your agent and determine any policy limitations or exclusions. Some company's cap certain lossess for certain items (e.g. a non-scheduled jewelry theft might be capped at $2,500).
A good rule of thumb is this: Ask yourself if you have anything worth having appraised. If you think you have something worth having appraised then you're probably going to want to have that item specifically scheduled on your homeowners policy.
It may add to the premium so you'll need to get only A: what you can afford and B: what your comfortable with coverage-wise. You may want to play around with changing deductibles etc in order to lessen the any premium increase.
As far as items in your car; be carefull with this one. Lets say your car caught fire and burned up taking a bunch of clothes, furniture and tvs with it that were inside the car at the time. Your belongings that were in the car would be covered under your homeowners policy and not under the auto (which would only cover that car itself and possibly some custom stuff depending on your policy). Just don't think that because it's in the car the auto insurance will cover it.
I would recomend taking any receipts for expensive items and keeping them in a folder outside the house (or have your agent put them in your file), walk around make a general inventory of your belongings, and take either pictures or videos of the inside of your home. |
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bpl
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Yes, each policy/company is different. Why dont you either read through your policy, which is hard to understand, or contact the company for help. Your insurance will save you in a time of need. |
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Good♥Gyrl
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You would need to refer to your policy, honestly. As an insurance professional, I can advise that each policy may vary; it is possible to protect your dwelling, but NOT your contents, but also possible to get a policy to protect the dwelling AND contents in the same policy. That's why you need to check.
It is a good idea to document your belongings with photographs or video, ESPECIALLY so if you have valuable, rare or very expensive items. You should also keep receipts/ladings for these items as well. If this is the case, you'd also want to check your policy to see if they have riders for these expensive items if you own them. If they are just everyday, ordinary items, then receipts with documentation (like a written inventory) will suffice - no video needed, really. |
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wishbone13569
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http://www.allstate.com
http://www.homeinsurance.com |
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regerugged
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Everything you own, exept parts for autos, airplanes, boats or other items that can be otherwise insured.
Take photos. Make an inventory. Use the cost to replace with like kind and quality. Add any shipping, delivery, taxes that apply to the value.
Keep the inventory in a safe place away from your home. |
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Jo Blo
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this can varry by insurance companies,, why ot ask your agent and go from there?? |
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indronil s
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This vary from company to company. You can make some search in yahoo or google to find them.
To know more visit
http://newinsurancetips.blogspot.com |
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mbrcatz
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Depends on the policy form and endorsements! Some policies exclude theft. Most have a limitation of coverage for money, jewelry, furs, and cd's/media in the car. Other than that, EVERYTHING is covered, for NAMED perils. That would usually be fire, theft, wind damage (AFTER the wind broke through the house - it doesn't cover stuff in the yard for WIND), falling objects, aircraft damage, riot & civil commotion, vandalism, etc.
Your best bet is to talk to your agent. |
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