Latest Updates: home insurance RSS

  • What type of home insurance should i get?

    I just purchased a 3 unit property. On the property, there are 2 houses, 1 house with 2 units, and a second house with 1 unit. I plan to live in the second house and rent out the first house with 2 apartments. Will cover my entire property? and if so, what does it cover? Will it cover something like a fire accidentally started by one of the tenants? or will it only cover damages that were caused by me?

     

  • What type of home insurance should i get?

    I just purchased a 3 unit property. On the property, there are 2 houses, 1 house with 2 units, and a second house with 1 unit. I plan to live in the second house and rent out the first house with 2 apartments. Will cover my entire property? and if so, what does it cover? Will it cover something like a fire accidentally started by one of the tenants? or will it only cover damages that were caused by me?

     

  • What type of home insurance should i get?

    I just purchased a 3 unit property. On the property, there are 2 houses, 1 house with 2 units, and a second house with 1 unit. I plan to live in the second house and rent out the first house with 2 apartments. Will cover my entire property? and if so, what does it cover? Will it cover something like a fire accidentally started by one of the tenants? or will it only cover damages that were caused by me?

     

  • How did you get your auto/home insurance quotes?

    You can get quotes from online from multiple companies, but the quote being quote, it is not the actual price/premium. I don’t want to get a low quote that is below what I’m currently paying for my auto/home , and then be surprised with the actual premium after I sign up with another company. Is there a way to avoid or minimizing the chance to get into this kind of situation?

     

  • How is Erie auto and homeowners insurance?

    I am searching for different auto and . Erie has given me a good quote. Are they a good company?

     

  • Homeowners insurance–who decides coverage amounts? Me or the insurance company?

    Hello, all–I am shopping for for our home, and it has been confusing to say the least. It is an average home built in an area where there are considerations like hurricanes (Texas Coast), and the home has been insured consistently for the past year. We have not had any claims. Regarding mortgage, there is not an "official" mortgage, as the home was owner-financed through relatives.

    How are amounts decided? I realize that we are in a high-risk area as far as is concerned, but it seems that the companies I have spoken to have given me high numbers in coverage and price without asking what I would like. Is this just the way works, or should I be asking for choices?

    Sorry if these questions sound stupid, but I am just overwhelmed by this process!

     

  • Can 1st timer get Homeowners Insurance??

    I recently got approved for a 300 thousand dollor loan to buy my first home. After making a few offers followed by a counter offer, I was able to agree on a price that was fair. I just called my company that my friends dad owns, and some girl that that have working there said that the company they use would not allow me to get home . I don’t understand why, I have 2 cars insured by them, without any driving problems! IS she right? Since I am new and never owned a house before, can they just deny me like that? Should I go with another provider or is there "Special" I need to get?? I don’t really understand this, and I’m going to assume she’s wrong. Kids can get their own on a car when they never had in their life, they just pay more. Why is it that I am having problems? I want to use this company and no one else. Can anyone help me, I need exact details on what to do!

    Thanks
    -Andrew in MA
    No, the company did not do ANY inspection at all. Everything is fine with the house and there are no problems at all. All I did was simply make a call to see If and/or home much my would be when she told me that they couldn’t offer it to me through the company they go through.
    The house is not in a flood/wetlands or close to any type of area like that. Also we don’t get very many (or any) hurricanes here in Massachusetts. Please keep answering.. good answers, I just think you all are thinking to much. The girl has no clue about the house. She asked what town it was in and personal info about myself she already had (from my other two cars). What I REALLY need to know, is there any reason why they wont even get me started? The problem is either her, or their end. Not mine, my question really should be… are there certain rules that they go by that I don’t know that would deny me? Like my credit score? or something?
    Sue – good questions.. I don’t own a dog or any pet for that matter and I don’t plan on doing so either. No, we don’t have a trampoline.. but yes the house is old (1947?). The systems were all recently updated inside, and it does not have any aluminum or knob & tube wiring. It has new baseboard forced hot water (installed last year). The house has a perimeter fence around the whole yard with a fence down the center of the yard to further divide the pool area cutting the yard in half.

     

  • If a support beam on my house cracks from the weight of the roof, is this covered by standard home insurance?

    My support beam cracked and a structural engineer has decided that the beam was inadequate to support the weight of the tile roof. It is unknown if the tile roof is original (40 years old) or if it has been replaced sometime in the past (no permit was on file). Is this something that is covered by typical policies?

     

  • When to buy Home Insurance on new home ?

    I am planning to buy a home . Close of Escrow is in 1st week of March but to process Escrow and Lending papers they need home owners information . When do I buy the ? Can I purchase it beforehand even though property is not under my name till close of escrow ? What if I buy it and deal does not go thru ? How does this process work.. Any feedback is greatly appreciated

    Thanks

     

  • When to buy Home Insurance on new home ?

    I am planning to buy a home . Close of Escrow is in 1st week of March but to process Escrow and Lending papers they need home owners information . When do I buy the ? Can I purchase it beforehand even though property is not under my name till close of escrow ? What if I buy it and deal does not go thru ? How does this process work.. Any feedback is greatly appreciated

    Thanks

     

  • Will my new homeowners insurance pay for…..?

    I just bought a new home on October 17th and had it inspected. I was only in the home for 6 days and already the sewer is clogged up and had to have a plumber out who said I would need all new sewer lines because mine were full of roots and it would cost around 00, which I don’t have. Would my cover this, or at least some of it???

     

  • I would like the name of a insurance company that will give home insurance to Pitt-bull owner?

    I have lied for years about my dogs breed to my company and I know that there is some out there that will insure me with a Pitt-bull breed. If someone could please let me know what companys do, or have in the past.

     

  • whats the best agency to call to get homeowners insurance? single family cape cod style.?

    Looking for good rates

     

  • What are typical home insurance prices in the new york city area?

    I am interesting in buying a condo in brooklyn and i want to know what kind of prices i should expect for .

     

  • Why is home insurance limited to each and every different type of disaster?

    The home is either livable or NOT livable…it matters NOT what disaster ruined the home..

    Why then is it that you have to pay extra for each different type of circumstance? An accident is an accident…. a disaster is a disaster… the home can only be burned, flooded, distroyed by earthquake / tornado / hurricaine ONCE.. why pay for all the different ways -wise?

    How covered is covered? And WHY !!!! Why?? Is it if you Never have any type of claim you aren’t refunded some of that money you spend year after year after year?

    Again, once you’ve paid in the amount of the home value.. what difference does it make if you replaced the home ‘money-wise’ already in ? Why not spend those on a second home instead?

    Just shooting in the dark here of the many complaints I have heard ranted from my elders recently.. their solutions were hysterical.. I’d love to hear more solutions.

     

  • Which is the best homeowners insurance?

    i live in california and im getting a home and now i need home which is the best thanks

     

  • Will an insurance company insure our home if there is a unpermitted cottage?

    I’m in the process of buying a foreclosure home (Saratoga,CA, can’t transfer the since it has already lapsed) that has a detached unpermitted cottage (2 bedrooms, kitchen, bathroom and living room total of 900 sq ft), the main home also has a unpermitted converted garage that is used as a in law quarter (separate entrance and full bathroom), it also has a unpermitted sun room too. I really love the home and tried looking for home but it looks like no one will insure me. Is there anyway I can get insured for this property without having to lie about these unpermitted additions to the company? Any advice would be appreciated and any suggestions which company would insure me for a reasonable price. Thank you in advance.

     

  • Do I Need to Provide Evidence of Homeowners Insurance Before Buying a Home?

    I am in the process of filling out my mortgage application for our first house. The application requests proof of homeowner’s , but we haven’t done the inspection yet, so it doesn’t make sense that we would have yet either. Anyone know what we’re supposed to do with that section?
    Just to explain what actually happened: my husband ended up talking with the bank and they explained (rather late) that they do indeed require proof of home before closing or they will not issue a loan. However, since it is still so early in the process all they wanted was a signature on the form which would indicate to them that we would indeed at the proper time. Of course none of this was explained on our paperwork which appeared to demand immediate proof of – but that seems to be the irritating way of the system.

     

  • At fault claims on your auto insurance policy affects Home owners insurance policy premiums?

    If you have a At fault accident claim on your auto policy affects your home policy? and vice versa?

    Do home insurers check your Auto CLUE report as well?
    Or vice versa?

    For long At fault accident affects your premium?

     

  • Which insurance company is better.. AllState or MetLife?

    My husband and I want to get a 20-year term next week and will meet with some reps./brokers. Down the road we will probably add auto and . If you are a customer of either company do you recommend them in regards to their required and quality of service? Your imput is greatly appreciated. Thanks.

     
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