eripapito asked:


I received a letter from my Insurance Company asking me for a sale or isntallation documentation of my windows and or other opening protection shwoing the wind speeds that the protective device can withstand. I am the first owner of my house and there is no claim. Why they are asking for that?

Kansas Homeowners Insurance – Saving On Your Policy

Do you have enough homeowners insurance coverage? Make sure you have enough insurance to cover the cost of rebuilding your house at current construction costs. To figure out the amount of coverage needed, take the total square footage of the house and multiply by current local rebuilding costs per square foot. For example: A 2000 square foot home with local rebuilding costs of $150 per square foot (2000 * 150) comes to $300,000 of dwelling coverage.

Make sure that your personal possessions are properly covered. We recommend that personal possessions are insured at replacement cost NOT actual cash value. Most homeowners policies will also provide coverage for loss of use. This means that if you need to live somewhere else while the house is being restored the insurance company will pay for this expense.

Liability coverage is also included on most homeowners policies. This is very important. The minimum on most policies is $100,000. We recommend at least $300,000.

A standard homeowners insurance policy includes four essential types of coverage. They include:

-Coverage for the structure of your home.

-Coverage for your personal belongings.

-Liability protection.

-Additional living expenses in the event you are temporarily unable to live in your home because of a fire or other insured disaster. Additional living expenses in the event you are temporarily unable to live in your home because of a fire or other insured disaster.

In addition to the coverages mentioned, there are many other coverages to consider depending on the type of house, the contents in the house and any other structures located on the property. We recommend a review of your coverages be handled by a local Kansas homeowners insurance professional.



By: Daren DiSantis

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FLConsumerAction asked:

Produced by Grown Man Films Tampa, FL

Peachy asked:


I am having trouble getting quotes online because the house was built in 1915. Geico, Allstate and Progressive won’t give a quote online for that age of a home.
The house has already been completely remodeled. Brand new everything except for the hard wood floors and architectual details. I found insurance through my car insurance, I just needed to talk to a live person to get it worked out.

baebeecakes asked:


Also, what should I make sure is included in the insurance.? Any tips on lowering the rates?

Live in the North East region.

Thanks.

C404 asked:


In Georgia, is it a requirement for my landlord to have home owner’s insurance? He made a comment to me that he does not and someone told me that is not legal..

M L asked:


I am using turbotax to do my return this year. I live in Louisiana. I was prompted to enter in my 2008 homewoner’s insurance info. It then asks for LA Fair Plan Regular Assessment amount. My homeowners says “2005 LA Fair Plan Emergency Assessment: $150″ . Is this what I am propmted to enter? Is this what is deductible?

SanDiego21 asked:


Are Insurance company underwriters not supposed to include unfinished living areas of the house when determing my total square footage of house for replace cost purposes? My premium went up even though the home inspector from Allstate did not know I had part of my house that is unfinished. I was not home at the time when he did this home based underwriting square footage procedure.

InsuranceSavingsTips asked:

www.quality-insurance-4-less.com To make it easy for yourself to attract affordable homeowners insurance quotes Make the exterior of your house fire-safe and you will reduce your home insurance rate. Having things that are quite inflammable or that aid combustion around your building will make you pay higher premiums. Bushes around your home should be cut and maintained at not less than 10 feet from your building. The likelihood of a fire in a home is one very strong factor that shapes your …

There are many different ways that you can obtain home owner insurance quotes.

If you think that you do not need to get home owner insurance quotes you may be right.

But if you are thinking about buying a home you will need to get home owner insurance quotes so that you can get the policy that is best for your needs.

Luckily, there are many different ways that you can get home owner insurance quotes. Looking into each available option will ensure that you find what you are looking for in no time at all.

Here are some ideas for you:

The first place to search for home owner insurance quotes is online.

When you use the internet to find home owner insurance quotes you will have the ability to get in touch with a number of different companies and on top of touching base with different insurers you can do so without having to spend a lot of time on the phone.

This alone is reason enough to make online home owner insurance quotes quite popular.

Another option is to call a few agents on the phone in order to get home owner insurance quotes. This means that you will have to talk with somebody on the phone, and they may try to sell you something that you do not need, but all in all this can be the quickest way to obtain home owner insurance quotes. It may not be your best option, but it is one that you should consider nonetheless.

Finally, ask your real estate agents for suggestions on how to get home owner insurance quotes.

Since they are very familiar with what goes on in this industry they should be able to give you some good advice on how to best obtain home owner insurance quotes.

Many agents even have a set list of home owner insurers that a lot of their clients work with. This will make things much easier on you from start to finish.

Buying home owner insurance is not hard to do. Just remember, before you can actually buy a policy you will need to look into obtaining a few quotes.

You can get home owner insurance quotes in a number of different places.

As the buyer all you have to do is take the time to find several home owner insurance quotes, and then decide which one you want to move forward on.



By: Gerald Mason

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