Homeowners Insurance Q&A

live surrounded by texas and get a homeowners insurance claim check and they made it out to both the mortgage company contained by?
i live in texas the morgage company is in california Yep, if you own damage more than 5% or $5,000, whichever is LESS, and you have a mortgage on your house, the insurance company is required…

“Elaborate-mansion-in-unlikely-setting”, clause needed contained by Homeowners Insurance?
I live in a Burb and not a Redwood sided tree house in the middle of a freaking forrest or a flood plane- it’s fine to own a McMansion in some exotic, hillside local but I don’t much care for it when so much of our fire warfare and other disaster related resources…

“Hypothetical” homeowners insurance interrogate?
If I were to hypothetically step off a rafter and hypothetically dribble through the ceiling into my bedroom. Would my home owner’s insurance cover that? Hypothetically, of course. No. Homeowners insurance is not designed to cover you or those who reside in the home’s medical bills. Homeowners medical/liability is designed to…

A ask give or take a few forced homeowner’s insurance?
My insurance co. went out of business and mortgage co. placed me on their forced insurance. I’m free to get other but stipulation the 4 point inspect. first and need roof repairs in lay down to pass. ( I am living kind of close to the bone..) …

A cross-examine almost homeowners insurance?
My home is over 40 years old now. I hold lived here the last 16 years. The tile in the bathrooms are coming up and the linoleum surrounded by the kitchen is old and literally coming apart at the seams. I pulled up the mat a year ago and have not replaced it yet because I…

A homeowners insurance claim for items within the home at the time of purchase what is the best mode to determine ?
the age of the item for proper replacement cost/depreciation: time in the home or a educated guess? Current cost to replace, smaller quantity depreciation for age. You’re going to be able to ballpark the age of the item….

A press in the order of homeowners insurance?
Over the years my cats and dog,have ruined the carpet contained by our home. A while back,I pulled up all the mat,and decided to put down either linoleum or earthen or porcelain tile. The problem is,I got some estimates from people who install tile and hearth rug and the prices are…

About how much am I looking to repay for homeowners insurance?
My husband and I found a house we really like and are going to make an give on tomorrow, we’re just trying to figure out how much it’ll cost us next to the mortgage, insurance and taxes combined. We have a rough estimate of the mortgage payments and we…

About how much is homeowner’s insurance?
We’re planning on getting a house this year with a VA loan. My husband is in the military. Anyway, around how much would homeowner’s insurance be for a home around 100,000? What factors come into play? Thanks for any and all oblige. Location is critical Construction type is critical Coverages are critical (e.g. “All Risks”…

After varying my deductible from 500 to 1000, why did Farmers insurance put on a pedestal my homeowners premium?
I was hoping to reduce what I foot each year for home owners insurance. So I requested my deductible be changed from 500 dollars to 1000 dollars. I also lowered the amount of personal liability from 300,000 dollars to l00,000. Instead of…

Am covered by my homeowner’s insurance if i am at the back on my mortgage payments? this is a combined payoff.?
Yes, your homeowners insurance is paid contained by full a year in advance by your mortgage company when you “escrow” property taxes and insurance. The solely time you would have a lapse in your homeowners insurance is if…

Any Insurance Co cover decriminalized matter beside ones homeowner Ins.?
You would call for to specify the legal matter. Read your policy and it should update you that you have to be legally liable for a suit against you for it to repay. That depends on your legal matter and what your policy say. It’s best to contact your…

Any one know if you can claim mortgage insurance on your taxes? Not regular homeowners insurance, but the…?
separate insurance you can take out to cover the cost of your house if you are diabled or die!! Thanks! NOPE. You can deduct your mortgage interest and the PMI, or private mortgage insurance which lenders require when you don’t…

Anyone know of an insurance company writing homeowners insurance surrounded by Plaquemines Parish? Belle Chasse?
All I can find is not so Fair Plan! Checked with Louisiana Insurance Commissioner’s web page and call every company on list but no one is writing. Any assistance would be appreciated. Thanks Not after Katrina. Nobody wishes to take the risk. Especially…

Anyone next to florida homeowners insurance here? Keeping windstorm?
Wondering if floridians are keeping windstorm or without mortgage, going bare. Can’t opt what to do. Is buying the windstorm coverage going to mean you go bust? Or is covering a windstorm claim yourself going to make you go skint? It’s going to depend on your personal…

Approximately how much is homeowners insurance contained by okemos michigan?
I want a ballpark estimate, not a lesson on how it’s determined! Cost of house approximately $100,000 It depends on how big the house is. Insurance companies just look at how much insurance you need on the house. And, that depends on your square…

Are atv’s covered below homeowners insurance surrounded by North Carolina?
You obligation to check with your insurer. It is not normally a licensed vehicle and may all right be covered similarly to a lawn tractor or other unlicensed vehicle. However, your coverage may be limited to a specific dollar amount unless you ‘declared’ the vehicle to the insurer….

Are bicycles automatically covered beneath HomeOwner’s insurance surrounded by Canada ?
If so, up to how much? My bike is worth $1000. Bicycles are covered under YOUR Homeowner’s, Tenant’s or Condo Unit Owner’s policy as Contents or Personal Property. Most policies has a maximum per bicycle rein in that they will pay out. While it varies from company to company…

Are Florida homeowners required to hold insurance?
If the house is paid stale, probably not. However, every mortgage requires it. yes and no if you want to be protected from fires, floods [hurricanes], risky fast moving air , etc yes. if ou don’t assistance and if your house goos POOF in the night, you wiill simply cry and walk…

Are in attendance any homeowner’s insurance companies surrounded by MA that take liablility coverage for trampolines?
Which ones are they? First of all, I have NOT see a liability EXCLUSION for trampolines. That’s why companies cancel you, if you get one. So I don’t deliberate you can buy “coverage for trampolines”. Secondly, trampoline claims are actually a…

Are in attendance any in good health specified and reliable insurance companies contained by Florida that provide homeowner’s insurance?
Seems that every insurance company is leaving Florida. The overall insurance climate in Florida sure makes me GLAD that I live contained by Texas!! What you need to do is call a LOCAL independent insurance agent. Just look contained…

Are in attendance any places within Florida where on earth homeowner’s insurance isn’t large?
I’m considering buying a winter home in Florida (a foreclosed home), but I’m concerned about ownership expenses, in particular insurance. I heard that, due to Katrina and other hurricanes, homeowner’s insurance has gone through the roof. Are nearby any areas that are not as hurricane-prone…

Are in that any organization that oblige you recompense homeowners insurance?
I am a single mother of two. In the past I have be using my tax refund to take-home pay my homeowneres insurance but due to the increase I could not afford it. So I tried to get by saving what I have and coming up with the rest. But…

Are lost nuptial rings covered lower than homeowner’s insurance or simply stolen rings?
I have a rider on the ring for up to $2500 coverage with a $500 deductible. Some carriers are smaller amount technical than others, so if your policy says, lost or stolen, later its covered. You should read the fine print carefully or consult with your agent….

Are menace insurance and homeowners insurance like entry?
I’ve seen them used interchangeably, are they the same piece? If not how do I know what I need? not exactly Source(s): http://www.insurance-assurance.com/ No, they are not alike thing. Hazard insurance is generally used to describe a Dwelling Fire policy. This is the coverage you place…

Are near homeowners insurance companies contained by ohio for homes w/ german shepherd dogs?
i understand alot of insurance companies wont do homeowners insurance if you have german shepherd dog. do you know any contained by ohio who will provide homeowners insurance if you have a german shepherd dog? We have Traveler’s insurance and the individual stipulation that we have is…

As the homeowner, is insurance cheaper planned as a rental or as a second dwelling?
I have two homes, My son lives in one and I live within the other. Is it cheaper on the one my son lives in to insure it as a second dwelling or as rental property? second dwelling although if you lie, it may make your…

Average Cost of Homeowner’s Insurance for a home..?
that is appraised at 169,000 and bought for 166,000? You just asked a VERY broad request for information. It depends where you live. (i.e. near the sand, in a flood zone area, etc). If your nouns has high crime, what is your credit rating, how much endorsement to you want to add…

Average cost of homeowners insurance?
Our homeowners insurance has been creeping up a bit over the ending several years and I wanted to get an notion if we were overpaying or we are on par? But didn’t want to fill out a quote request but and get tons of call and emails. Here are some details: Dallas TX…

Average homeowner insurance for SE Cape Coral, Florida ?
Does anyone know the average house insurance for the SE area in Cape Coral, Florida. I know that it have gone up because of weather conditions, but I was just wondering what the average insurance is right in a minute. I am thinking about buying a house that was built contained by…

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