JA asked:


Just last week we had a severe hail storm and unfortunately it caused damage to my vehicle. Would that be covered by homeowners insurance since it was on the property at the time of the storm? I do not have full coverage on my car, that is why I am asking.

cammy asked:


I live in New Orleans, and I want to purchase a house soon. Since Katrina, insurance has gone up ridiculously high. Is it mandatory that I have homeowners insurance?

Lisa asked:


There was a hail storm in our area and may (most) homes had roof damage, including mine. 95% of the homes in my subdivision have gotten new roofs from homeowners insurance claims. However, my adjuster said my roof was not damaged “enough” to warrant a new roof, only repair/patching to the back side of the roof. I have Allstate and so do several neighbors. Their claims were paid, in full, with now questions asked. The difference between my claim and theirs is the adjuster. They all had a different one than me. I have called and written the main office locally and the corporate office in Illinois, to no avail. They tell me my only recourse is to take them to court.

crymeariver asked:


My husband and I are about to close on a home and would like to know some about homeowners insurance. We are planning on getting it through our car insurance company, but just want to know if anyone has any advice as to how we can estimate the value of our stuff, any thing important we need to know?

mackenzie b asked:


I thought it was legal for them to require you to have homeowners insurance, but not for the mortgage company to decide who you have to buy that insurance through.

dood asked:


My homeowners insurance cost has gone up from $520 last year to $609 this year. Thats a 17% increase . Is that too much of an increase?

Angel M asked:


I had my rings on the stand next to the toilet and sink in our master bathroom. I went into the bedroom tog et something and I hear the toilet flush and when I went in there to see what he was doing my wedding rings were gone. We have State Farm for our homeowners insurance that covers our jewlrey for I think 2500 but will they cover something like this?

cwyln asked:


We have a neighbor with a hazardous, threatening tree that they refuse to deal with or let us deal with. We’ve been told that if we alert their insurance company they will probably force the homeowners to remove it. But how can I find that info out?

Olivia D asked:


We’re buying a new home and had planned on staying in our rental for a few months while we make some renovations to the new house. However, our insurance company tells us that they won’t give us a homeowners policy unless our new home is our principal residence within one month of our closing date. Does this mean we have to tell our insurance company that our new home is our principal residence, even though it won’t be until approx. August?

Also, our insurance company will cancel our renters policy, since they’ll assume that we’ll no longer need it after we close on our house. This isn’t true, because we had wanted to stay in our current apartment for a few months more. Has anyone encountered a similiar situation, and if so, how did you handle it? Thanks so much.

gothnurse asked:


if you own a home and want to rent it out …is it required by law that the home be covered by homeowners insurance?