Al asked:


My realtor said I had to pay for house insurance one yr in advance, which on the closing day I did. But when I get my mortgage payment stub, on the Escrow account it says part of the payment will go to house insurance, why is that? Am i paying twice for it?

answer asked:


Example:

Two different families own a house each, earn around the same income. One family goes without to pay house insurance, the other doesn’t care.

The person who doesn’t pay insurance has their house burn down – the community donate them a free house.

WHY?

What is the point of sacrifice if those who don’t invest in their future get more?
I AM ANGRY

Because for years i have been without, our whole family has, while those around us have skipped insurance and had extra.

A fire happened and the neighbours will be better off than before the fire, it makes me wonder why i sacrifice when these people get what ever they need ?

WORLD FAMOUS asked:


In the market to purchase new home, wondering how much it will cost monthly for insurance.
Thanks for your help.

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We provide best services for California Insurance, and all you needs for Insurance California. A one stop shop for top rated services for Insurance ca.

 

We are best insurance quote in California to meet you investing as well as required needs of insurance. California Insurance Quote: Get a Personal Quote on your Insurance Needs, be it California Life Insurance, California Home Insurance, California Insurance Quote, Insurance California, California Insurance, California Car Insurance Quote, Auto Insurance CA, California Auto Insurance, Insurance CA, Auto Insurance California, Car Insurance California, California Car Insurance. etc, in ca. Home Insurance, Auto Insurance, Renters Insurance, Motorcycle Insurance, Boat/Watercraft Insurance , Recreational Vehicle (RV) Insurance, Camper/Trailer Insurance Flood Insurance Life Insurance, Health Insurance, Dental Insurance, Disability Insurance Long Term Care, Mortgages/Loans, Planning .

The term  is generally used to describe a form of insurance that pays for medical expenses. It is sometimes used more broadly to include insurance covering disability or long-term nursing or custodial care needs. Covered groups or individuals pay premiums or taxes to help protect themselves from high or unexpected healthcare expenses.

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By: bestantioch

About the Author:

jaimeespassion asked:


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 homeowners (even though its not final yet) or renters insurance?
We were told this could take up to a year or so to finalize.

Loser asked:


4.5 baths
5 beds
3000 sq feet
finished basement
3 decks
1 fenced in gorund pool
Please, just and average for 1 month home insurace.
No super valuables or anything. (It’s for a project) I just can’t find anything that won’t just give me a chart or some thing. In class we had to make up an imaginary house and get all this different stuff for it. I’ve found everything,but home insurance rate without having to put in my personal info.
the home would be located in southern michigan

hardmoneylosangeles asked:

www.lendinguniverse.com home owner insurance agent, loans for land purchase, how do construction loans work, construction loan process, loan to buy land, land development loan, land and construction loans, construction to permanent loans, construction to perm loan, commercial land loan, …

ISRAEL R asked:


Were purchasing a home around 300,000 how much is insurance yearly ? Anyone pay around this much ?

Looking for homeowners liability insurance? Here’s how to get the best rate.

Homeowners Insurance Coverage

Homeowners insurance provides four separate ares of coverage:

1. Structural coverage pays to repair or rebuild your home when its damaged by fire, vandalism, or acts of nature.

2. Personal property coverage pays to repair or replace your personal belongings when they’re damaged or destroyed.

3. Additional living expenses coverage pays for your living expenses while your home is being repaired due to damage from fire or other insured disasters.

4. Liability insurance pays for damages to other people caused by you, your family members, or your pets.

Homeowners Liability Insurance Coverage

Liability insurance covers you against lawsuits for bodily injury or property damage when you, your family, or your pets are responsible. It pays for the other person’s medical expenses, property damage expenses, and any legal fees you may incur.

You should purchase enough liability insurance to protect you assets in the event a lawsuit is filed against you. Most standard homeowners insurance policies provide $100,000 worth of liability coverage. However, due to the increasing number of personal liability lawsuits, its recommended that you purchase at least $250,000 to $500,000 worth of liability insurance coverage.

If you have property, investments, and savings that are worth more than the liability limits in your homeowners policy, you can purchase additional liability coverage in the form of an umbrella policy. This is a separate policy that pays after you use up the liability coverage in your homeowners policy. It also protects you against lawsuits not covered by your homeowners liability insurance such as libel, slander, and invasion of privacy.

Liability coverage is one of the most important types of insurance you can have. Without it, you could be sued and lose everything your own. With it, you’re assets are protected. Take an inventory of all your assets and purchase enough liability to cover them.

Cheap Homeowners Liability Insurance

Visit http://www.LowerRateQuotes.com/homeowners-insurance.html or click on the following link to get homeowners liability insurance quotes from top insurance companies and see how much you can save. You can get more insurance tips in their Articles section.



By: ryan@thesatellitetvguide.com

About the Author:

Carmen S asked:


We recently had one of our water pipes brake and when I arrived home i noticed half of our house was under water. My camera was on the floor in my room and is now broken. Is there any way that my insurance company can help me with that?