CBS asked:

Money Magazine’s Amanda Gengler speaks with Erica Hill about how we should file an unexpected claim on home insurance, and also what you should never say.

Chellee asked:


this is a really dumb question, but I think my garage roof may cave in soon in a specific area. not a huge area and the shingles are falling off. Would homeowner’s insurance cover any of this if it does ‘cave’ in that spot?

gotthex asked:


I am in the process of buying a home and need to get home insurance and I came across the cheapest I have found so I need to know if anyone knows how their standards of practice are. Please let me know as soon as possible so that I can either stop or keep looking.

SimonE asked:


I’ve read my home insurance policy and it doesn’t say anything about if i need any other cover if i rent my house. Can anyone point me in the right direction?

Marie G asked:


Hi everyone – I’m not sure if anyone can help me, but I thought I’d ask here…

I’m in school and an artist (in CA) a new project I’m working on depicts the recent wildfires and the people dealing with the aftermath (the good the bad and the ugly)

I had the idea of one of the structures of the piece being a home, but made out of strips from a homeowners insurance policy (paper mache of sorts) HOWEVER – I don’t own a home (literal starving artist here) and really don’t know anyone who does –

sooo, I was wondering if anyone who has a home and a policy, or an insurance agent even, would be willing to scan and e-mail me a policy (important info blacked out obviously) or if it is a blank form, watermarked up the hilt to ensure it can’t be utilized in any other manner…so that I can complete my vision…

I’d like to be able to duplicate it and cut strips so that when people look at this part of the structure, they will know and understand the meaning of the strips…if your/the policy has a clause about fire damage, even better…

my e-mail is marieofmanycolors@yahoo.com if anyone is willing to help me out.
I’m aware of that “C” – that is why I’m asking actual homeowners as that constitutes their approval if they do send it to me (and note I specificaly said to black out ANY personal information) – or for a BLANK form with no personal information whatsoever from an agent.

eodmpink asked:

awesome cg work too.

Have you decided that the time has come to stop renting and actually put down some roots by buying a home? If so, this is an exciting time and you may be really anxious to get into your new house and make it your home. Before you get carried away you should be aware that there are costs that come along with home loans that you may not be thinking of. Depending on where you live, these costs, such as home owners insurance can really add up and make what would be an otherwise affordable loan unaffordable.

Homeowners Insurance

When you are shopping around for home loans you should be aware that you are not going to find one that will not require you to have home owners insurance. You may be wondering what loans and home owners insurance have to do with one another and you may also be wondering why it is the place of the lender to demand that you have this coverage. Before you get upset, you need to realize that while this may be a cost that you were not anticipating paying, it is a purchase that will protect you, too.

Home owners insurance and home loans go hand in hand because the lender wants to make sure that the home is protected against natural disasters, fires, flooding, and that sort of thing. Because you don’t actually own the home and the lender does, they want to make sure that you have the coverage that is necessary to keep the home well repaired and in good condition.

When you first started thinking about home loans you likely did not anticipate having to pay for home owners insurance, but this is a good idea! When you have this sort of insurance you have some security, too. While you pay for this insurance each month and you may not need it, there may come a time when you do need it. For instance, if your home is destroyed by high winds and you need to replace walls or the roof or something like that you don’t simply have to take out your check book and write a check, instead you can call up your home owners insurance company and let them know that there are repairs that need to be made.

When you have this insurance you will likely have a deductible, just like you would have with medical insurance or auto insurance, but the deductible is often a lot more affordable than if you had to pay out of pocket for all of the repairs. Lenders demand this sort of coverage so that they know that major repairs can be made. Many home owners never need their insurance coverage and they simply pay it each month to fulfill the requirement by the lender.

When you find out that you have to have this sort of coverage don’t get upset, because this requirement is not unique to you. You may never have to call on the coverage, but if you do, you will find that every penny that you paid in the past was worth it for the financial help that you receive. Home owners insurance is simply a part of having a mortgage, so use your time and energy to find the best coverage for the lowest price.

By: George Mclovin

About the Author:

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psi2006 asked:


Our insurance company claims we have damage to the roof or garage. What we had was an interior gutter pipe that cracked in the wall on the 1st floor of a 3 story home. They seem to be redlining us.

rustypup12 asked:


I am aware that if they are over 75% they are illegal here in Florida, and I’ve asked and searched the internet many times on insurance, and I still haven’t found any answers. So I’d like to have an idea or at least know if they have any effect on home isurance before I purchase it.

sargis06 asked:


Someone broke into my house yesterday. Do I have to pay a deductible if I fle a claim under my insurance? They stold our tv, house phone, PS2 & 3 , laptop and other things. Our deductible is 1200.00, insurance company is Texas Fair Plan in TX.