 Can anyone give me a list of companies that offer term insurance? |
| im 24 yrs old,living with my fiance,no children and im looking 4 term assurance.I went 2 company who offers this and i was told by the advisor i was 2 young 2 worry about it and people normally only ... |
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 Life insurance; I want to lower it but company says I have to have a physical? |
| I have more life insurance than I need now that my son is grown, and I've sold my house, so I checked into lowering my coverage. I'm concerned that my insurance company might not be telling ... |
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| What laws in California can a doctor use against me for spending insurance check? |
| What laws exist in California that a doctor can use against me if I spent the money the insurance sent me for medical services he performed?... |
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 Retroactive auto insurance premium? |
| I obtained an auto insurance policy in August 2007. In January 2008 (five months after the policy was purchased) I received my policy renewal. The renewal price was substantially more than the ... |
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 Should I purchase Identity Theft? |
| I lost my ssn card a few days ago, so I applied for a new one, and I also put a fraud alert with the 3 credit bureaus, BUT I was reading this Protection Plan they offer for $15 a month and I was ... |
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 What is the meaning of "EMPANELMENT"? |
| this i hava read from a resume that "eampanelment of highnetworth individuals and retail advisors". he is applying for the post of branch manager for an insurance company.... |
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 Are there any affordble insurance plans that back pay for 2 month old hospital bills? |
| i had a baby before my insurance was active and they billed me for it and now their saying they cant pay it. so now i could be stuck with a bill i probably wont even be able to pay.. any advice? no ... |
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 Where can I get private health insurance? |
I need health insurance, like I know many people do. I have cancer, but I guess that's not considered a disabilty because I was turned down. My job does not pay for medical.
I ... |
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 What is the best life insurance for a young person 22-35? |
| I want to be able to use it against my mortgage. Is it possible to get money from it and not have to pay it back after a while or something? And will that change my policy in anyway?... |
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 Most mortgages are repaid in equal monthly payments. What two amounts are included in each payment? |
| Most mortgages are repaid in equal monthly payments. What two amounts are included in each payment?... |
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 Dad's insurance won't pay for needed treatment...? |
| I'll make this as brief as possible...my father has a blood condition; he is missing a chemical in his blood that is essential for his immune system. He receives shots or "infusions" ... |
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 How can I get US health insurance for my (non US residents) parents (in late 50's)? |
| This is both an "Immigration" question and a "Health Insurance" question. My parents will start living in the US several months a year or more as legal visitors to live with us ... |
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 Do they have to offer benefits? |
| I'm trying to find out where I can look to see if my employer should be offering health benefits to full time employees. I thought when a company employed a certain number of employees they had ... |
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 Living on my own? |
| igonna have to leave home soon when i turn 18 so im making my financial plan. its kinda hard and im not sure if ive got all the correct numbers. how much does life insurance, dental insurance, and ... |
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 Have I been tricked into a contract? |
Ok I know in a lot of cases this would be considered my fault.
I'm getting ready for college and my goal is to make the football team. I wanted to be prepared for the tryouts so I ... |
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 Ok where can someone get health insurance? |
| ok where can someone get health insurance to get a vasectomy reversal is there any health insurance that helps pay for ... |
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 My Dad lost one of his eyes because his health insurance wouldn't pay for it, what lawyer should I contact? |
Hello,
My dad is retired and on welfare. He has 3 health insurances total and a letter from one of his health insurances that states the other health insurance should pay for all of his ... |
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 I had renters who burned down my home, my insurance company is reviewing the case any advise? |
| I have a home owners insurance policy and assumed that was enough coverage, the renters had renters insurance when they rented from me but did not keep up their payments. The insurance company said ... |
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darkrosedreams | Why are my house insurance estimates so high? |
We're buying our first house & our mortgage guy estimated our costs for house insurance should be $400-500. We've gotten two estimates & they were $730 & $775. What could be driving up the costs that none of us expected?
The home was built in 1920, has wood siding, & is in city limits (near hydrants). The only other factors I can think that may raise the price are the fact that the fire station is on the other side of the rail road tracks, the fact the home is situated on a State Route/high traffic road, & close to a bar... Or is there somthing more? |
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Lolly
 |
There are a few factors that can make the cost go up If the home was built in 1920 and depending on updates on the electrical wiring that can make it go up higher since it is more of a fire hazard. If it is near water as well that can make it go up as well fire places and wood stoves. I use to do insurance and those were some of the factors that can make it go up. Check with a few more companies you might be surprised and find a cheaper one. |
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blb
 |
The bankers always underestimate the cost of insurance. There are so many factors that go into a quote that no one is able to ballpark a figure any longer. The quotes don't sound out of line but the figure that the banker gave you does |
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myssie6983
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Insurance is different in a lot of states, it depends on the risks within the state. And MANY factors within your home, plumbing, electricty, roofing, when were these last updated? Your mortgager is basing a quote off of your house iwth just general information, and they are just a mortgager, the agent would know better for a correct quote. Ask "What could be done to lower the premium?" |
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walyank
 |
There are a lot of different factors entering into the computation of your insurance rate which make answering your question very hard.
But first, as a first time homeowner, how do you know the estimates are high? Your mortgage person calculated an estimate probably based on a lot less info than the insurance companies used.
Does the house have smoke alarms? Does it have a security system? Does it have deadbolt locks? Do you have dogs that insurance companies don't like? etc, etc.
Instead of wasting your time here, go back to the insurance companies and ask them why it is high and what you can do to lower it. |
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mbrcatz
 |
Oh, if the roof, plumbing, wiring, or furnace is over 20 years old. If you have a credit score under 700. If you've had any prior property losses.
The bar doesn't matter. It's going to be age of updates, with a house that old, prior claims, or credit.
Either that, or the cost to rebuild is much higher than the market value - those older houses tend to have GORGEOUS trim all through the inside, and hardwood floors throughout. |
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Gambit
 |
Your mortgage guy deals with mortgages, not with insurance. For him to try and estimate the cost of a product that he doesn't sell is idiotic. Insurance professionals base their quotes on underwriting factors such as: the replacement cost of your home; prior (or no prior) insurance; verifiable claims history; location of the home; age of home and if there have been any updates to the home; number of families living in your home; age of owners; alarms; how the home is heated; and many other factors. Without knowing more about the insurance rates for homes in your area, no one here can say whether that figure is high or low. All anyone can say is your mortgage guy pulled a number out of their butt. |
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