 Why in India, the people does not come forward and buy life insurance? |
| When a people buy a car, or any vehicles, it is compulsory for them to insure it. But while comes to insure their own life, they never buy happily. Either take it for tax saving purpose, or if he is ... |
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 Can a person already having life insurance take another life insurance policy from another company? |
| i already have a life insurance policy from LIC, india. can i take another policy from ICICI? can i have 2 life insurance policies at the same time?... |
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 What makes a person UNINSURABLE? |
| What things would disqualify a person from getting life insurance? It is offered through my work but there is a part that says, "in order to obtain x amount in life insurance you have to ... |
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 Why dont Insurance Companies provide cover to Housewives? |
| I am a housewife myself. I also used to work for an Insurace Company.... |
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 Is it possible to buy insurance JUST for fire & nothing else for a home? |
Additional Details
I can afford to stand all oter risks exept total destruction by fire & no I'm certainly not planning to have a fire!... |
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 Why would an insurance company ask for my credit score? |
| I am getting quotes for insurance on a small apartment building I bought. I'm being asked how my credit is? wtf does that have to do with anything?... |
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 Will an insurance company pay out for items missing from my home when I don't know when or who took them? |
| Two valuable rings have gone missing from my home within the last six months. I have had some people installing loft insulation during that time but I cannot say it was them. I just do not know where ... |
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 Car Insurance should i cancel it because i have a trip? |
First of all my renewal of car insurance policy period is 7-11-07 to 7-11-08. But i have a trip to China in June 28 and there no one using the car. Also i;m wonder be back until Aug4.
Should i ... |
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 Life Insurance Survey - Do you have it ? Yes or No? |
| Just wondering how many people have some type of life insurance. Term or Life.... |
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 How can I get cheap insurance? |
I am 19,and I am thinking about doing my theory test for my full licence,but insurance are so expensive,especially for my age. Do any of you guys know how can I get cheap insurance?
Do any of ... |
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 Home Insurance won't pay? |
| accidental damage to a game console and carpet,put in the claim and the ins company said ok we,ll send someone out. i have however stated from the first call to the loss adjuster company that i no ... |
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 Can my lender request my home insurance be equal to the loan amout.? |
| While in the proccess of re-financing my home the lender is requiring that the home insurance be equal to the loan amount instead of the value of the home. My insuance agent says that's illegal. ... |
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 Is $1000 deductible too much?? |
I needed to cut my cost for this monthly insurance bill, but i m thinking that the $1000 deductible is too high??
we have never been in an accident, so im just hoping that we never have to use ... |
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 I had a house fire the kitchen was destroyed.my oven was destroyed,1957 oven the insurer only gave 800.00,why |
| i want to know how to get the most out of my fire claim to replace the things in my kitchen. i had notty pine cabinets,oven and countertop are the originals. i have nottypinedoor framesetc. i need to ... |
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 Can a insurance company, not pay on a life policy, after they have been taking premium for 3 years,missed form |
the company is saying the person did not pervide 1 form.
for three years,the policy should have been caneled long before 3 years if that was the case?... |
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wickjeff06 | Where can i find the best deal on homeowners insurance?Is there a direct way to get it without an agent? |
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mbrcatz
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There are direct writers that write homeowners coverage in some states, like Amica or Hartford. Technically, even when you're talking directly to the company, you are talking to an agent, because all states require people who sell insurance to have an agent's license.
Why do you want to go direct? There isn't usually a cost savings (ie, you don't get a 20% discount for not using "an agent"), and if there's a problem, you don't have anyone else to go to. Also, to get quotes from 5 different companies, you'd have to make five calls, and explain everything 5 times. If you go to an independent agent, you can get a lot more quotes, with a lot less hassle - and some feedback about how each company works their claims process. |
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Reenie
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You could try this website to get some quotes on homeowner's insurance: http://insurance.divinfo.com
You can call insurance companies directly, rather than dealing with an agent...your car insurance company will most likely give you a discount, but you should shop around for the best quote. |
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mei-lin
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Go ahead and go online and get a policy without an agent. You may be one of those who never has a claim or is happy without an agent. Who knows? |
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Eddie M.
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Homeowner insurance can be bought online like most anything else. In your search block, type in "homeowner insurance compare" and see how many come up. You can start with this website: https://www.allquotesinsurance.com/home.cfm?Source=~GGLAF005 |
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ddnc_dave
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If you use the get a quote link from these guys you'll get the best three.
http://insurance.divinfo.com/ |
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529s.com
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That stupid lizard on tv says you can buy auto insurance direct with them and save a ton of money, but I used a real company with an agent instead and they are cheaper and have better service. Here is a directory to find a local agent: http://www.insuremyhouse.com |
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inquisitive_me
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I'd say, get a list of licenced Insurance providers in your state from the Dept. of Insurance run by your state. Call the companies in that list and get quotes yourself without an agent. Check the companies financial worthiness from AM Best Company. AM Best rates insurance companies. |
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van_at_lincoln
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Caveat Emptor! You need to find an agent/broker so they can determine what is important to you. Going out on your own to find homeowners is a bit foolish.
Would you ever ask for a cheap dentist or heart surgeon? I'm not saying you need to over pay for your insurance, but a good price on homeowners is only worth it if the policy actually has value.
Remember that your home is probably the biggest investment you'll ever make. Don't skimp on the coverage. You may never have a loss, but if you do you may be sorry you opted for cheap instead of solid... |
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pokerplayer528
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You can absolutely do it without an agent. Your best bet is to get a free comaprison quote so you can compare cost and coverage and make an informed decision. The following site has a great free quote feature |
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brewster24
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Try the various online sites for quotes. I was cancelled by NY central mutual for 3 claims in10 years out of 25 years of home ownership & poor credit rating. (Northern NY is not an economic meca and winter can challenge even a new home but 2 $1000 claims & $20000 act of god ice storm damage claim is not severe losses ) annd was "redlined" locally. I went to an on line site and had aquote from two national insurance companies whose local agents blew me away but an aggressive long island agent had no problems and a third no name. I wrote a good all perils policy (HO3 + some riders) for $600+ on a 160,000 home using Allstate. Local agent sung a different tune when I showed him his own companies policy when he questioned why I cancelled ny auto & life policies iwth his brokerage. I have not had a claim since I switched so I cant comment on claim service. |
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sexytrojan
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Use your car insurance company. They will do the underwriting in such a way that you won't see any added costs.
I have my car insurance with State Farm. When I switched it from Delaware to California and added renters' insurance, my monthly bill was still the same. |
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jcollins_24
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An agent can help you buy, they can also help you in a time of need. A phone number or website can not.
Independent agents may be able to show you several different companies, but they will never be able to show you the top rated companies in your state, because those are not offered through independent agents. i.e. State Farm, Allstate, Nationwide, Farmers, Farm Bureau.
Here is a great website to look at the top rated companies in your state.
http://info.insure.com/ratings/sandp.cfm |
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