 How the heck can a homeowners insurance company force you to pay for over twice the value? |
| I am just venting but I called other companies and they all say the same thing. In 2005 my policy was for $60,000.00 dwelling and today I recieved the policy and it called for over $109,000.00 ... |
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 Will Homeowners Insurance cover outside stairs? |
| The stairs of my back deck (put in long before i purchased the house) are falling apart. I havent filed any claim or called them as of yet but just wanted some information before i start the process. ... |
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 Car insurance for 17 year olds? |
Hey people, i am 17 in april and i have been looking into buying a 1983 mini mayfair with 13"alloys and arches....and thats it...
onlly a 998cc, not the fastest of cars
... |
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 Purchasing life insurance? |
| I have adult family members that I want to purchase life insurance for. A $10,000 policy each to cover funeral expenses. I know that if anything happens to them I will be responsible. I'm ... |
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 What can my husband do? |
| My husband works for AllState and the agent he works under refuses to send out flyers or mailings. He expects him to make "cold calls" all day (while most people are at work) and still ... |
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 Is life insurance taxable at payout time.? |
| So if I die and my husband collects the $, is that $ taxable?... |
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 How long should an insurance claim take to be completed? |
| My kichen was flooded 10 weeks age and the insurance company keeps changing th goals posts and askeing for different things. is this right??... |
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 Got my drivers licence? |
Is going to be the first time me getting a job so I was wondering as soon as i start the job can i purchase a cheap car right away and insurance and stuff?
and cant get student loan ... |
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 I suffer from depression & was suicidal for a while, but now im tryin to get a mortgage & need life insurance? |
| would I be better off not mentioning anything about the suicide or depression, I know the insurance won't pay out if anything happens to me but the insurance would be cheaper, how much extra ... |
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 Can we insure our health with more than one insurance company? |
| If yes, how can we get reimbursement with one one set of original bills?... |
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 Where is the best place to look for life insurance for a 73 year old without exams? |
| My father is 73 years old and is diabetic (takes daily shots). I would like to take out a life ins. policy on him, but know nothing about it. I am assuming term (maybe 5-10 years) would be the best ... |
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 Who pays for the Medicaid program? |
| Is it the gov't. or does it come out of a special tax on salaries and wages?... |
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 If my mom is borrowing my car, is she covered by insurance? |
| Here's my situation. My husband and I have 3 cars. We recently found out that I am pregnant and want to let my mom take over payments. Would we be able to put her on our insurance even though ... |
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| I had a car accident had a total loss on my car. I was hit by another driver who was at 100% fault.? |
| I incurred a back injury and visited the chiropractic doctor 14 times. I had a MRI, massages, and exercises done. I feel better now. The visit to the doctor cost me $1500 and the MRI cost me ... |
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 My wife is pregnant, and we don't have insurance, how can we pay for the baby? |
| I'm self-employed and make a decent living, but I can't afford health insurance. I bring in around $90,000 a year, but my AGI is between 35-40,000. I have two children already, and this ... |
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 I am an uninsured driver. I got into a fender bender in a grocery parking lot? |
| It happened today. I believe it was my fault. I called the police, they said we didn't need an officer as long as noone was hurt.The other driver was so shook up she called her husband and he ... |
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 How do you get a health insurance company to pay for a claim after it was initially denied? |
| My wife was having severe headaches and feared she had a serious medical problem. I took her in to the emergency room, they gave her a shot and a perscription and diagnosed it as sinusitis (sp). T... |
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| Double insurance? |
| I took out two different insurance policies on my mobile phone about a year ago. (Long story....) Will "they" find out if I claim my broken phone from both insurance companies? No need to ... |
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SK | Why does the premium drop when you add home insurance to an auto insurance? |
When one has auto insurance alone, insurance companies state that if one is to also get home insurance from the same company, the sum of the two insurances will be less than the original auto insurance alone... Why should insurance companies take less premium for providing more service? |
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mbrcatz
|
It's a "package discount" - an incentive to write BOTH lines of business.
They do that, because experience shows that if you have one policy with one company, and another with a different company, they're less likely to retain your business - ie, the OTHER company has an "in" to write the rest of your business easier. |
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sexy b
 |
Its an incentive to keep all your policies with them and in doing so they give you a multipolicy discount as well they give you a discount when you have more than one car as a thank you for your business |
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Stuart
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Because homeowners tend to be much more careful drivers than renters or folks living with their parents.
As a result, they tend to make a lot less insurance claims. |
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Lou A
 |
they give you a discount on both because you are paying them more money. |
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MISS-MARY
|
No, what happens is they give you a break on the combined insurance, not less than the car ins. for both. You get a small discount for both of them because they want all of your business. That is just good business and an incentive for people to insure with one company and they use it to get more business. If you get that deal let me know who it is, I think you are wrong about the way it is stated, it is a discount for both, not less that your car insurance to cover both car and home...noooo. Shop around every 2-3 yrs. for insurance and always give your present company the chance to match the new company if you find a better deal, they may match to keep you as a customer. Also, make sure you get the exact same coverage, that is comparing apples to apples and not oranges. That way the comparison is fair. Always be honest about any claims when shopping around they can drop you if you lie and then you will have a hard time getting coverage if the claim was a big one and you weren't honest. Insurance Co's. like honesty. Another way to lower the costs is to make the deductibles higher, you hope to not have to use it but a $500. or $1,000. deductible can save you a lot in premiums each year that you don't use the insurance for a claim. So, always ask what the difference would be to see if it makes sense for you. If you have young drivers in the home you may not want to go this way , a fender bender may be ominent. lol. Good luck. |
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Carlene W
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Because you are giving them all your business, they will give you a break. The more people that have coverage with the company the more profitable it will be for the insurance company. |
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bob shark
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I don't beleive you get free house insurance if you buy car insurance with the same company,
I have seen incentives of $ 50 or so if you buy both from the same company |
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ssamh111
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they will get there money when you make a claim on both your accounts |
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Josie826
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Because they are getting all of your insurance premiums instead of one. Our insurance company gives a discount for having our house and autos insured with the same company. |
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CaseyAngelEyes
 |
Most problems occur with people that are monoline(1 car only) auto policies. Statistically, someone who cares enough to insure their renters property or someone who owns a home gets in less accidents & has less claims. The key is finding the company with the best discount. My old company was at 5%. I went online & found one at 25%. You may want to try getting a quote online. I am paying less than ½ of what I was before.
Go to: http://www.insureme.com/landing.aspx?Refby=615451&Type=auto
Take care,
Casey |
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kenneth h
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Cheaper by the dozen |
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