Latest Updates: renters insurance RSS

  • I own my home and live with renters. What insurance do I need?

    When I bought my home initially it needed work, so I bought for myself since I was the only one living there. Since then I have rented three of my rooms out (I still live in the master bedroom) but have yet to tell my agency. I know I need to, I want to be able to collect on policy but now that I have renters does that mean I can only get ?

     

  • Does auto insurance effect my credit score?

    I have auto as well as renters and I was wondering if these bills effect my credit score. Also, do utility bills (gas, electric, telephone, cable) in my name effect my score?

     

  • If I own a home, and want to rent it out, am I required to have any type of special insurance to do so?

    I live in NC and own a home. I am interested in renting it out to make some extra cash, other than having on the house, and I required to have any other type of such as renters on the property?

     

  • Where should I get insurance for my photographic equipment?

    I don’t have to tack it on to, so I’d like to find an independent solution. I’m a freelance photographer, so I think I have to get commercial coverage, but I don’t need all of the extra frills (i.e. coverage if my shoot messes up, etc). I will soon have a D3 and really want to get that stuff covered.
    I don’t have any sort of or at the moment, so I can’t tack it on (as much as I’d love to).

     

  • If you don't have renters insurance, does any of the homeowners insurance cover anything?

    I am currently deployed to afghanistan, so my apologies in advance if I’m a bit vague. My wife best friend is renting a house. Yesterday, a fire broke out because of the refrigerator. The fire department isn’t doing an investigation on it. They found the cause right away. Now, my question is this. She didn’t have and everything is a total loss. If not by the fire, by the water and smoke damage. She lives in Fayetteville, NC. Would the homeowner be responsible for covering any of the replacement of the items since it was caused by his appliances? I’m grasping at straws on this one. I told her that it would probably have to be handled by the court on this one. But, any advice would be appreciated. Thanks

    Brian

     

  • Will renters insurance cover theft of motorcycle?

    My motorcycle was locked up at my apartment in my covered parking,and some piece of crap stole it cut the chain and stole it. I thought I had full coverage but it turns out I have no coverage for theft (sucks I know) so they won’t cover my loss and i’m still making payments. I have 50,000 worth of and I want to know if it is even worth trying to have them help me out with the loss. Anyone have this problem? anyone have any good advice? it would really help out a lot. Thanks. Oh and yes, I have made police report.

     

  • Help-Rental/Homeowners Insurance??

    I live in a home my mother owns, she lives elsewhere. We pay her no rent. The house is paid for. Would her cover our belongings? Do we have to have seperate ? Right now we are paying for complete , landlord AND . This seems excessive

     

  • Help-Rental/Homeowners Insurance??

    I live in a home my mother owns, she lives elsewhere. We pay her no rent. The house is paid for. Would her cover our belongings? Do we have to have seperate ? Right now we are paying for complete , landlord AND . This seems excessive

     

  • I own several parcels of vacant land in several states. My homeowners insurance used to cover liability.?

    I sold the home however and no longer have a policy and my renters does not cover unrelated land that I own. Does anyone know of a renters policy that does cover vacant land or an company that writes liability policies for vacant land?

     

  • Please tell me a good insurance agency to insure my ring. I don’t want to do it under homeowners insurance.

    I rent from my mom and don’t have renters . I probably should get it. But I heard that doesn’t cover if you lose stones. Thanks

     

  • I just bought a condo. Do I need homeowners or renters insurance? Who do you recommend I use?

    I’m looking for something cheap since I’m just out of college. The exterior of the building is already covered. I guess all I have to worry about is fire and theft on the interior.
    Yes, I own the condo and I have 100% financing. The lender didn’t specify any requirements for what kind of I should purchase.

     

  • Homeowners insurance question?

    My dad recently passed away and we are now living in his old house. We dont know what to do with the homeowner til we get everything finalized and transferred to my husband and I.The house has been paid off for years so there is no mortage or bank involved. Should we get a poilicy or just keep paying on his til its finalized? Should we get a (even though its not final yet) or renters ?
    We were told this could take up to a year or so to finalize.

     

  • What are the top 6 breeds of dogs that Homeowners and Renters Insurance doesn’t cover?

    Where would a person need to go to find Renters if they have one of these breeds?

     

  • How much is your Homeowners Insurance?

    I live in Florida and want to compare with other people. What state do you live in?
    Man, I am reading your responses and I have to pay over ,000 a year for
    here pay around 5K

     

  • does homeowners insurance cover renters property if property is damaged by the house?

    storm caused power surge and because house is not grounded surge destroyed renters property
    we just learned that the house was not grounded, electricians say its the cause if the surge, everything that was plugged into a outlet was destroyed. there is no renters .

     

  • Will car insurance companies pay a claim just to file insurance fraud charges?

    I had a small accident in earley December.. I bent my fromt drivers side rim and messed something up with the stearing.. I had just switched to full coverage 2 days prior because me and my wife were online looking for renters and she notices we did not have full coverage. we upped it to full coverage and purchased renters . Back to the accident: I was the only one in the vehicle and there were no witnesses. my tire just hit a small cement barrier by my home on a country road. I called the comapny within an hour of this. they questioned it due to us just changing the policy and started an investigation. They drilled me for information and made me feel like a crook. They got info on me being arrested (NOT CONVICTED) over 8 years ago for stupid stuff in another state (weed). They brought up the 2 other accidents I have had an issues with them. They only gathered information from bad sources for example my last car accident was with the owner of a tow yards daughter… the tow yard is keeping the vehicle from my first accident and wont release it… (they were over a year apart just for the people that are going to make smart ass comments) so of course he is going to say negative things about me. I had a very rude conversation with the investigator about 2 hours ago… he was very rude and had alot of cruel remarks and comments. during this conversation is when all of the past things were brought up.. my other accidents, my arrests from 8 years ago, my finances, me owing 0 to a past landlord and it being in the paper… then 20 minutes later my company calls me back and states they ARE going to pay for the damages and are having my vehicle towed to get it fixed.
    I am happy about this but it concerns me because the investigator really thinks I am defrauding them and wants my head on a platter ( or so it feels) so would they agree to fix the vehicle and pay for it just to be able to file more charges? or any charges?
    I have given them everything I can to prove it happened when we said it did but they just refused to believe us and all of a sudden they say here is some money thank you bye? I dont get it.

     

  • Will car insurance companies pay a claim just to file insurance fraud charges?

    I had a small accident in earley December.. I bent my fromt drivers side rim and messed something up with the stearing.. I had just switched to full coverage 2 days prior because me and my wife were online looking for renters and she notices we did not have full coverage. we upped it to full coverage and purchased renters . Back to the accident: I was the only one in the vehicle and there were no witnesses. my tire just hit a small cement barrier by my home on a country road. I called the comapny within an hour of this. they questioned it due to us just changing the policy and started an investigation. They drilled me for information and made me feel like a crook. They got info on me being arrested (NOT CONVICTED) over 8 years ago for stupid stuff in another state (weed). They brought up the 2 other accidents I have had an issues with them. They only gathered information from bad sources for example my last car accident was with the owner of a tow yards daughter… the tow yard is keeping the vehicle from my first accident and wont release it… (they were over a year apart just for the people that are going to make smart ass comments) so of course he is going to say negative things about me. I had a very rude conversation with the investigator about 2 hours ago… he was very rude and had alot of cruel remarks and comments. during this conversation is when all of the past things were brought up.. my other accidents, my arrests from 8 years ago, my finances, me owing 0 to a past landlord and it being in the paper… then 20 minutes later my company calls me back and states they ARE going to pay for the damages and are having my vehicle towed to get it fixed.
    I am happy about this but it concerns me because the investigator really thinks I am defrauding them and wants my head on a platter ( or so it feels) so would they agree to fix the vehicle and pay for it just to be able to file more charges? or any charges?
    I have given them everything I can to prove it happened when we said it did but they just refused to believe us and all of a sudden they say here is some money thank you bye? I dont get it.

     

  • How fast can you obtain homeowners / renters insurance ?

    How fast can you obtain one ?
    After talking to them and filling out an application, how fast does it take to get the .
    I know for Auto Insurnace you can get in a day, but how about / renters ?

     

  • how long does it take to get homeowners insurance?

    I was told my hoa coverds but I need more coverage. I close on the house today. Can I get over the phone in a few minutes loke I did renters so I can still settle today

     

  • Renting and house got flooded, does homeowners insurance cover?

    I am renting a house and while i was at work the hose to the washing machine broke and completely flooded the house. The house is pretty bad but none of my belongings are ruined. I was wondering if i am at all responsible for the damage. From what i understand, is only to cover my belongings and the should cover all of the damages to the house. My landlord keeps asking if i have renters insuranece, and i dont, but that only covers my belongings, right? Therefore, it shouldn’t matter if i do or don’t because the will fix the damages. And she told me that the has a ,000.00 deductible. Am i responsible for that too?
    It was my washer

     
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