dolphinite_bottom asked:


During the process of repairing our home, after a fire, some of our personal property was damaged by various sub contractors and the fire department.

We have replacement value property insurance.

Who is legaly responsible to cover those damages? My insurance company or the company/person/dept. that caused the damage? What if I don’t know? What if they won’t pay?

Thank you,
Dolphinite

verlie asked:


There are so many types of home insurance that I’m confused. Could you roughly estimate how much you should pay if you have a house in Dartford, 3 bedrooms, semi-detached in a good area? The house is in very good conditions according to the survey.

yellowkayak asked:


I am closing on the sale of a new house tomorrow. title insurance cost over $700.00 do I really need it? or am I just throwing money down the drain. Has any one ever used it?

Due to rising crime rates and increasing fire rates, affordable homeowners insurance can be tough to find in Philadelphia. So how can you get cheap Philadelphia homeowners insurance? Here’s how …

Hit the Internet

You need insurance to protect your Philadelphia home not only from fire and burglars, but also from other perils such as vandalism, burst pipes, and storms.

To get the best price on homeowners insurance, you could spend days calling and visiting local Philadelphia insurance agents and collecting homeowners insurance quotes to compare. But you’ll get more homeowners insurance quotes in less time by sitting down at your computer.

Just go to an insurance comparison website and fill out their simple online form with information about yourself and your home. In a very short time you’ll receive homeowners insurance quotes from numerous A-rated insurance companies.

As an added bonus, the best insurance comparison websites also have an online chat feature, allowing you to talk online with insurance professionals. You can thus get immediate answers to all your homeowners insurance questions (see link below).

Keep Your Price Down

In the Philadelphia insurance market it’s important that you take advantage of all the homeowners insurance discounts you can get. Special discounts insurance companies offer to Philadelphia residents include:

* Security discounts for installing dead bolt locks on all your exterior doors and locks on all your windows.

* Safety discounts for having smoke detectors, fire alarms, and fire extinguishers in your home.

* Security discounts for installing a burglar alarm, particularly one that’s monitored.

* Raising your deductible – a higher deductible can lower your yearly premium by as much as 40%.

You may also be able to get a discount if you place your homeowners and car insurance with the same company, if you’re a non-smoker, and if you’re over 55 years old.

By: Brian Stevens

About the Author:

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studebakerwilson asked:


What major home owners insurance companies are there in the USA? (namely Chicago, IL). I am a first time buyer and dont know where I should go or how much I should be paying…

drumat5280 asked:

www.solardave.com solardave: What happens to my homeowners insurance rates when I add solar panels to my roof? Sam Weaver: Generally nothing happens. You are required to have a indemnification against Xcel Energy. So your homeowners insurance rates could go up if you do not have a high enough liability policy. Some homeowners insurance considers solar separate some consider just part of the home. Our experience has been very few homeowners see any increase in their insurance rates. But you are required in Xcel territory to maintain a $300000 liability policy against damage to their equipment. solardave: I am guessing the solar panels are more durable then my cedar shake roof that I need to replace? Sam Weaver: That is correct, the panels we install come with a 25 year warranty on them. The warranty covers materials workmanship the panels themselves also the power output.

TeacherCruise asked:


I have several eucalyptus trees on a slope in our back yard, with houses below us. We don’t want to cut down our trees, but we also don’t want a lawsuit if a tree falls and lands on a house behind us, damaging their house and/or car. What is our liability in this situation? Does our insurance company cover the damage incurred?

KoolikGroup asked:

www.koolik.com In this episode of Real Estate Today with Elliot Koolik of Koolik Group Realty, we will join Lisa Pacillo, President of All Risk Insurance Group and licensed insurance broker, in deciding how to choose the best homeowners insurance policy in Florida. Lisa will explain Citizens homeowners insurance in Florida and how it compares to private insurance companies. Citizens homeowners insurance can not deny anyone in Florida but is largely a last resort insurer. Independent agents and brokers can offer more options if you are purchasing a home or changing insurance companies because of dropped coverage or increased premiums. Premiums can be reduced by increasing deductibles. For damages caused by anything other than a hurricane, such as a pipe breaking or roof collapse, there is the all other peril deductible, which can be set at $500, $1000 or $2500. Hurricane deductibles are set at 2%, 5% and 10% of the dwelling amount. There are also discounts available for homes with storm shutters, roof mitigation certificates, alarm systems, homes in gated communities and condos with central sprinkler systems.

lana s asked:


If your insurance policy according to company lapse and you reinstated and paid then new policy was sent and you did not tell rep that you agree to policy what happens you do or do not have insurance and you paid a min payment for reinstatement?

Southern Belle asked:


Do I cancel the personal property insurance since we are moving into our new home next month? Also, do I still need Personal property insurance on our new home if we have homeowner’s insurance with another company already?