 Is this how insurance companies work? |
| My daughter had her unattended legally parked car hit and totaled out by a drunk driver with no insurance in a stolen car. The owner of the car had no insurance and both of these people are in jail ... |
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 Auto Insurance - Uninsured/Underinsured? |
| I have auto insurance coverage. I understand the various coverages included in the current policy. 1)Liability a)Bodily Injury b)Property Damage 2)Personal Injury Protection (madatory in MN) 3)C... |
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 My dad is 67 and wants to get a 1 year term insurance. Are there any companies that are reasonable? |
67 Years Old
$250,000 face value
1 Year Term
Additional Details
No, he is in great health, its to satisfy my Mother because he wants to work for another year. So basically he ... |
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 When is it good to cash out a universal policy and replace it with term.? |
| I have had a universal policy for a long time and have just been enlightened about term vrs universal/whole life. The cash value is at 14,000 (which I could really use some now), I'm 40 with a ... |
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 How can I convince insurers that I'm low risk? |
| I'm under 25, haven't had my drivers licence for long and started working at the beginning of this year. The vehicle insurance qoutes that I get are almost double the instalment of the car.... |
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 Car theft...would it be reporting this(read on)? |
My sister in law is 17 and had her car stolen last night
also can you beleive the police want paying to find it?!?!
If she claims on the insurance(as it was only a cheap little runner) ... |
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 Cash Value Life Insurance, Is there a value? |
| A friend of mine recommended me to an investment group who deals in all areas of insurance, mutual funds, money markets, etc. I met with them to discuss savings options and they immediately jumped ... |
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 How can I find out if the previous owners of my house covered up a fire? |
| We discovered a leak in our kitchen ceiling. When we took the sheet rock down, we discovered evidence of fire in the beams. The previous ownes did not disclose this information. What options do we ... |
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 Can you pay insurance deductible with a credit? |
| can you pay insurance deductible with a credit?... |
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 Fire insurance, any one know if it covers the san diego fires? |
| after seeing the distruction of the current wild fires here in San Diego I am considering getting renters insurance for my apartment to cover my belongings. I told a friend this and he said that the ... |
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 Can you lie about smoking/non on a health insurance application? |
| So many people say "check non" but it seems so easy to get caught.... |
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 HELP FRAUD!!!I found out today that someone has been using my social security number to get insurance!!!? |
| I originally wasn't going to get insurance with my company then i did, but didn't recieve a card. the benefits manager called me back with this info, i faxed her my social security number ... |
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 Health Insurance Gap? |
| okay, so i turn 19 in may and then i can no longer use the insurance my dad gets through his work. my new insurance through my employer doesn't kick in until i've been there six months. so, ... |
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| Is it possible to get a payment extension for my car insurance with state farm? |
| I had some unexpected things pop up and I need an extension, generaly how long do I have to make the payment?... |
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molly | When shopping for homeowners' insurance..? |
What are some of the factors you need to consider? |
 |
 
Bill H
|
You can easily check your quotes in internet, for example here - home.bebto.com |
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Queen B
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make sure the company you decide to place your policy with has an "A" rating. a good place to compare is on JD Power & Associates website. they have a rating area for home and auto on different companies. you ALWAYS want replacement cost included on the home AND your personal property. you ALWAYS want a good amount of personal liability coverage. its the cheapest part of your policy. you can get $500,000 for about $15 a year. a homeowners policy NEVER covers flood, so if you need coverage for that you will have to take out a separate flood policy. Be sure to schedule anything of value such as jewelry, guns, collectibles, etc so they are insured to value. call a local independent agent and set an appointment to go talk to them. they can answer any questions for you and do the work of looking for the best company for you. |
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golferwhoworks
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the company's rating and how much you need for contents as well as any riders for expensive items such as jewelry or collectibles an how much the quotes vary for deductibles |
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cordwainer
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Is the company reputable and has it been in business for a long time? Is it large and stable? Do they answer your questions when you call on the phone? Does the paperwork make sense? Do they cover the value of the home (selling or buying price) or how much it would cost to rebuild it? How much of the contents of the house do they insure (your stuff)? Does it include flood or hurricanes (do you live in a flood or hurricane area)? Do you get a discount for fire alarms, intruder alarms, etc? |
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mbrcatz
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How easy it is for you to get ahold of an agent. How many questions the agent asks - the more, the better. Which company they are going to put you with. How well they listen, how well they explain coverages, and how many extra coverages they offer.
The biggest problem people have when they buy homeowners, is they end up underinsured, because either they, or their agent, didn't want to take the time to explain everything, and offer the appropriate coverages. |
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Mo~Ma
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If you need flood insurance,earthquake ins., if you want replacement value coverage, quite a few things. Your agent should be able to help you with this.Talk to a broker that deals with more than one ins. company. |
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MoneyMatters101.com
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A homeowners policy of insurance protects your home, family, and your possessions against events that may occur that could cause a negative impact against the property. What the policy covers should be spelled out in writing by the insurer. The coverage should protect the homeowner against such unfortunate events as fire and smoke damage, theft, vandalism, wind, rain, hail, and bodily injuries that may occur on and or to the property.
Question: Will it cover natural disasters such as earthquakes, floods, and landslides?
Answer: Most homeowner policies do not provide coverage against such events as earthquakes, landslides, hurricanes, tornadoes, tidal waves, avalanches, and other natural disasters but you can purchase additional insurance to cover property against these events?
Question: Will additional coverage be offered at the time I purchase my insurance or do I have to go to another source?
Answer: Your insurance agent should discuss all coverage options before he writes your policy for homeowners coverage, but if the agent does not, then you should bring the subject up yourself.
It is always a good idea to shop around for the best rates and coverage when buying any type of insurance. |
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