Judy asked:


Lets say you kill the neighbors kid by running him over.
The family decides to sue you for 3 million.
Your car only carries 100,000 in liability.

The family decides to sue you and try to get your house.
Home insurance is just 100K if someone gets hurt in your property.
Not sure if that would even apply.
Can they take your house?
Pretend its a million dollar house and its paid off.
My goodness – thank you!!!!!!!

Steve asked:


I own businesses. One of my businesses downsized its office space. We didn’t move. We just reduced the space we occupy within the same building.

When my company’s office space decreases its square footage from 5,000 to 1,000 within the same space (same building/floor), shouldn’t my property insurance premium also decrease? Why?

Louisiana homeowners insurance costs can still be affordable even in the wake of the devastating hurricanes in 2005. Here are some things to keep in mind to help save some money.

Unfortunately, Katrina and Rita showed us how important home insurance is. It not only protects your property, but also your possessions and even legal liability. One peril that typical homeowners insurance does not insure against is flood. You need to purchase a separate flood policy through the National Flood Insurance Program through the Federal Emergency Management Agency (FEMA).

It’s important that you shop around for comparison quotes on home insurance. Rates vary quite a bit from one company to the next and shopping can save you hundreds. You’ll see this if you go to the Web site for the Louisiana Department of Insurance. They have a Homeowners Rate Comparison guide which shows rates based on a certain type of home in various cities such as Houma, New Orleans, Lake Charles, Baton Rouge, Monroe, Slidell, Shreveport and more.

This is just a general comparison to give you an idea of how the companies differ. To get an accurate comparison, you’ll need to get at least three different quotes based on your property. You can use the list of companies on the insurance department’s site to look up home insurance companies and request quotes — either by phone or the Internet. You should provide the same information to each regarding your coverages and deductibles to get an apples-to-apples comparison.

Many people find it more convenient to visit an insurance comparison Web site. These sites don’t represent a single company and will look for the lowest quotes from companies doing business where you live. You only need to fill out an online form once to get several quotes back.

There are other ways you can lower your homeowners insurance costs as well. Raising your deductible, upgrading your electrical and plumbing, repairing or replacing your roof can all reduce how much you pay.

By: Justin Scott

About the Author:

[carpwp:amazon{homeowner insurance}][/carpwp]

heavyd asked:


I used to live in my house but now I am renting it out. Should I tell my home insurance company that I will no longer live there and tell them about the tenants?

D NICE! asked:


I just did and want this to be as smooth as possible can you give me any pointers that I can do to make this a GREAT experience. I had some items from my home stolen.

frens X asked:


How do i find out the property insurance carrier for our apartment complex?

http://businessandfinance.cn/health-insurance.html

http://businessandfinance.cn/health-insurance.html

http://businessandfinance.cn/health-insurance.html

Gentle Jeffrey asked:


I’m looking for a trust-worthy auto and home insurance. What are good companies?

tiger asked:


in front of my house like twelve feet away and a line of them. there roots are all going to grow into my foundation of my home. the neighbor is a idiot who does not care what he did we dont even know him and he did this there going to be big trees. dont know what to do help please thanks alot

Keelin IS BACK! asked:


you get a nice sea view, free permission to extend the house, just got to watch out for the wildlife going through your trash

and you get a free bodyguard to scare off kids from kicking your house,

To protect a person from losing valuable investments like his home, companies, organizations, and businesses offer homeowner’s insurance. This insurance actually covers various personal and individual possessions, including the loss of the home itself due to natural occurrences or accidental causes; additionally, it covers the loss of personal and valuable items inside the home. Experts in this field advise that it would be best to purchase homeowner’s insurance from the top homeowner’s insurance companies.

Who are the Top Homeowner’s Insurance Companies?

The top homeowner’s insurance companies offer the best kind of protection and insurance for homeowners. However, this does not necessarily mean having to pay a larger amount of money.

Characteristics of the Top Homeowner’s Insurance Companies

The top homeowner’s insurance companies are those companies that offer the best services at competent prices. They have agents who are very knowledgeable about the products they are offering. They take utmost care in informing their clients about the coverage and the requirements for homeowner’s insurance. Most of these companies allow their clients to purchase their insurance policies through the Internet or via telephone.

The top homeowner’s insurance companies make sure that your needs and your ability to pay are taken well into account. However, they also make sure that you, as homeowner, are properly and conveniently insured, and they make sure that you get the best kind of homeowner’s insurance policy for yourself.

Where Do You Find the Top Homeowner’s Insurance Companies?

Try using your favorite search engine to browse through the Internet. You will certainly have to go through a long list of homeowner’s insurance companies. However, make sure that you try to get information about your chosen homeowner’s insurance company before purchasing a policy. Try to see if you can easily contact them for inquiries, information, or other important matters regarding homeowner’s insurance.

By: Seth Miller

About the Author:

[carpwp:amazon{homeowner insurance}][/carpwp]