 I'm moving to Florida, and I'm an insurance agent..how is the sales in Florida? |
| this is to all my insurance agent people in florida, i have a life & health licsence, and i needed to know whats the success rate of doing business writting business and being able to make good ... |
|
 Employer pays 80% of my premium - If I opt out of coverage, do I completly lose the benefit? |
| For example: lets say my company pays $800/mo towards my health insurance. If I cancel my coverage with them and switch under my Husband's instead, my company will be saving that $800/mo. So ... |
|
 Can I get on Medicare if I am 39 years old? |
| I have M.S. I am on short-term disability becasue of it and I am about to apply for SSDI. I am trying to put together a game plan. My first concern is health benefits. I am told by many that I ... |
|
 Renters home burnt down, Thought it was insured, but it wasn't, WHAT NOW? |
| Last weekend one of my Mom's house(s) that she rents out, burned, (she rents out 2) their was a propaine leak. She thought she had fire insurance on them, but when she refinaced, it wasn't ... |
|
 Insuring/Protecting yourself from serious legal liability? |
Say a hypothetical person has a significant net worth of about one million consisting of his home, cash, and his retirement account.
One day, this person is driving home and he runs a stop sign, ... |
|
 Will insurance cover my boyfriend and I? |
| My boyfriend and I are both young (22) and we recently got kicked off of our parent's insurance plans. We want to get insurance together, and were wondering if it is possible to do so? We are ... |
|
 I am a true liar and ..............? |
| .............. and believe in deceptive tactics, along with contradictions galore. Also, I care not about people, only about how much money I will make. And, if this isn't enough, I have many ... |
|
 In Tx, does health coverage have to be extended to the end of month by employer if an employee is terminated? |
| I'm looking for a URL to an official state document that mentions that health benefits have to be extended to the end of the month. I've heard from other HR people that say this is true in ... |
|
 Is this a good investment? equity indexed universal life policy for retirement income? |
| Is this a good investment for retirement? It does cost to get the policy, but you will have income for life that you can loan out tax free w/o having to pay back. Seems almost too good to be true. ... |
|
 Is it legal for a company to take your whole paycheck for medical insurance after returning from med. leave? |
| I was recently on medical leave,but before I left my employment status was wrong.I was actually eligible for insurance in July,so they started taking out medical insurance from my check to cover all ... |
|
 In need of Health Insurance? |
| I'm 19 years & I am living on my own. I am looking for health insurance but I don't know squat about it. basically i want to know the requirements for medicaid, how long does it take to ... |
|
 Why do doctors offices? |
charge like 60 bucks for an office visit to someone without insurance, but bill insurance companies 100 for the same visit?
is this maybe why my insurance rates are so damned high?... |
|
 Does anyone know of an affordable health care plan I can get for my Wife? |
| I did a search and asked for quotes, unfortunately, the Wolves smelled blood and we received about 10 calls a day, needless to say, I disconnected my phone number and went cellular. These Sharks are ... |
|
 Insurance -ceiling got a hole it it? |
| i have just had a shower and when i came down stairs i noticed that i had water on my carpet when i checked the ceiling i noticed it had a bow in it and when i touched it it collapsed on me think ... |
|
 Changing life insurance beneficieries? |
My uncle died living me as one of the benificieries of his life insurace. However I dont want to claim it, can the insurance company write the check directly to them?
If i give them the ... |
|
|  |
dallas patent | What sort of homeowners insurance do I get on a house that I buy to refurbish but not live in? Is cost high? |
I am considering buying a house to flip, but I will put it an LLC. I need to find out if the insurance on the house will be reasonably priced. I won't be living in the house but will be there almost daily. |
 |
 
mbrcatz
|
If you're not living in it, it's not going to be a homeowners policy. It will cover the structure. If you're doing more than cosmetic work, it's a type of builder's risk policy called an installation floater. If it's just cosmetic, you can buy a vacant dwelling policy. You can't add liability to an installation floater, but you can't add building materials on premises to a vacant dwelling policy.
And just because you're there every day, doesn't mean it's "owner occupied". If you're not LIVING there, it's unoccupied, aka, vacant.
Insurance on a flip house is NOT going to be what you're likely to think of as reasonable.
You need to sit down with your agent and discuss this in detail. If you're going to be flipping houses regularly, you're going to need a close relationship with an agent who can get things done for you. |
|
Jacko
|
You want a builder's risk policy, and you should start shopping around immediately for quotes. Some companies are more expensive than others. They'll want to know what type of renovations are taking place and how much they'll cost as well. Plus they generally won't cover any demo, and they won't cover the work being down by and subcontractors so make sure anyone working on the home for you has liability insurance by asking them for a certificate of insurance. |
|
Mr. S
|
you will need to get a vacent policy untinl you move in or rent it out and it will be higher then your homes hopes this helps is there a mortgage on the house? |
|
Gambit
 |
You would need a vacant dwelling policy or, depending on the severity of renovations, you may need a Course of Construction policy. Neither of these policies are cheap and offer limited coverage. However any other type of policy would be inappropriate, and if you tried to present the risk as anything else (i.e. a rented dwelling) to secure a better rate this would be considered misrepresentation. At that point your policy wouldn't be worth the paper it's written on. |
|
docC
|
it's called builder risk ins. I got mine through Nationwide Ins. Not very expensive |
|
tone
|
Yes it will be. All you need is minimal coverage |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
5 | 4 minutes(s) ago
| | | |
6 | 17 minutes(s) ago
| | | |
6 | 55 minutes(s) ago
| | | |
6 | 2 hour(s) ago
| | | |
6 | 5 hour(s) ago
| | | |
6 | 10 hour(s) ago
| | | |
6 | 2 day(s) ago
| | | |
5 | 2 week(s) ago
| | | |
4 | 2 month(s) ago
| | | |
6 | 4 month(s) ago
| |
|
Homepage 
Financial
Forum 
Insurance 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
