Insurance

I will be living by myself in a rural area and need a good guard dog but homeowners insurance does not allow the breed I want. I do not feel safe with a Chihuahua or a Yorkshire terrier, what other options are there?

Along with most houses these days, my home’s market value has dropped considerably in the past couple of years. And since the replacement value of my house is less, I thought I would reduce the limit of liability amount with my insurance company. This should result in a correspondingly lower annual premium. [...]

I work for an homeowners insurance company. Mortgage companies, agents, and other insureds who are not listed on the policy call to request information for one reason or another. I don’t release the information. Is there a law that prevents me from doing this? Of course, common sense tells me that [...]

A home health agency employee was taking care of my mother in her home and started a kitchen fire. Can she recover damages from the home health agency and also file a claim with her homeowners insurance? We don’t know if the home health agency will go through their insurance company or just pay [...]

A home health agency employee was taking care of my mother in her home and started a kitchen fire. Can she recover damages from the home health agency and also file a claim with her homeowners insurance? We don’t know if the home health agency will go through their insurance company or just pay [...]

We were storing our ATV at the home of a family member when it got stolen. We didn’t have insurance on it at the time and we want the family member’s homeowners insurance to replace it. They are saying that they won’t replace it. Shouldn’t they replace it since it was stolen from [...]

I started homeowners insurance in April, I got a refund check for the same amount as my down-payment for the policy. What does that Mean? Do I still Have coverage?

I was in a store and fell.
I ended up breaking my wrist and now need surgery.
They have since told me they are not liable.
Shouldn’t their insurance cover it though?
Does it not work like homeowners insurance???
Ive already talked to a few attorneys and they just told me they couldnt take my case.

I had a claim for hail damage last year ,my insurance policy at that time was 500 dollar deductible and about 600 per year , my policy is up for yearly renewal and they want to charge me 950 per year with a 5,000 deductible .I just refinanced to a lower rate and the bank [...]

i crashed into the garage door by accident. Who’s insurance should pay? My rental insurance, which is for the houses contents and liability issues. Or my landlords homeowners insurance?

I am so confused! I know that the HO3 is not as comprehensive as the HO7 policy, but I’m not sure if the HO7 is worth the extra money…
There is a /year difference.
Should we spend the extra money and get the HO7? Is there another kind of policy that we should ask about?

I am so confused! I know that the HO3 is not as comprehensive as the HO7 policy, but I’m not sure if the HO7 is worth the extra money…
There is a /year difference.
Should we spend the extra money and get the HO7? Is there another kind of policy that we should ask about?

I had some expensive equipment stolen from my office. I claimed the loss on my homeowners insurance and collected from that. My office also has insurance that covers this type of loss and I was wondering if I could also collect from that without committing any type of insurance fraud for collecting twice [...]

If I were to hypothetically step off a rafter and hypothetically fall through the ceiling into my bedroom. Would my home owner’s insurance cover that?
Hypothetically, of course.
I should have been more clear…
Hypothetically, I am not hurt. I am interested in knowing if home owner’s insurance will fix the hypothetical hole in the [...]

I want to adopt a dog from the pound, and it might be viewed as a "bad" breed in the eye’s of our homeowner’s insurance company. What should I do? How do all these people own these dogs and own houses and not get their insurance dropped? Are they all lying about [...]

I have recently put in an in ground pool at my house. It is vinyl not gunite. Am I required to inform my insurance company or do I need to amend my policy to reflect the pool? I live in Nassau County, NY if it matters. Thanks