sirgo7842d asked:

www.GetInsuranceFacts.com Shopping for a flood insurance quote? Here are the top insurance myths we have been hearing! Your insurance rate is set by the government. That is False. The government has nothing to do with your insurance rate. To find out more information on Florida homeowners insurance or how to save on car insurance go to GetInsuranceFacts.com!

Amber asked:


We live in Ohio and experienced a house fire last new year’s eve. We had been out of town. We lost everything. We filed a claim with our homeowners insurance policy and came close to maxing out our coverage in order to rebuild and replace what was lost, but we were in no way “padding” the bill, and actually ended up in a financial hardship because they did not pay us near what we had invested in the home and our possessions.

It’s been a year, we have never had any other claims with them before or after. Today I received a letter that they have chosen not to renew our policy. Is this something I should fight? Will we have trouble finding new coverage after this claim?

Thanks.

P asked:


I live in California. 7 months ago, we did a complete kitchen remodel. New cabinets, new wood floor, new appliances, countertops, etc. I just found out today that my dishwasher drain line has been leaking for 7 months. We didnt detect it immediately because the kitchen floor is slightly uneven and the water was pooling towards the back of the wall. Behind my dishwasher and under the floor, it is VERY WET. The drywall is soaked, the floor is saturated and my cabinets are showing signs of water saturation.

My question is….can I file a claim against my homeowners insurance? Im fearful that there is massive water damage behind the walls and that a quick fix will only lead to more repairs down the road.

Galactus asked:


We have a policy with Travelers that was $1047.00 a year. I shopped around for new insurance and now have a new policy for $538.00 for the same coverage but the house value has been adjusted to what it is actually worth now (it seems that they were still working off of the value during 2006 when we got the policy). The new policy will become effective as soon as the old one ends on July 1, 2009. However I’ve paid into my escrow all year for what the anticipated bill of 1000 was going to be for homeowners, now there is going to be extra money in the escrow account, as well as all the money that is in there for my taxes (enough is in there to fulfull that obligation as well). My question is will Countrywide (now BOA) refund me the overpayment into escrow? I wouldn’t mind if they put it towards the principle of the home but I would rather put it as a payment against my credit card (also through BOA) instead. And also, how long does it take for the Mortgage company to readjust my payment as my insurance is now lower (in the past when my premium had gone up they adjusted the mortgage payment to put more into escrow), but now it will not need as much. AGain, I wouldn’t care if more was put towards principle but I would like to get my CC paid off sooner and it has a higher interest rate than my mortgage.

http://teenproxy.cn/home-insurance.html

yeehaw! asked:


Or do you carry any program to pay off your mortgage early?

Thanks!

Buying homeowners insurance in Maryland can be expensive … unless you know what to do and where to go to get discount rates. Here are four tips that will help you save big bucks on your homeowners insurance.

Maryland Homeowners Insurance

Homeowners insurance is a necessity if you want to insure that your house and your belongings are safe from fire, theft, vandalism, and weather damage. Homeowners insurance not only protects your home and your personal property, it also protects you from lawsuits when people hurt themselves in your home.

Money-Saving Tips

1. Insure your home, not your land. When you buy a home your mortgage company probably based your homeowners insurance on the appraised value of your home. Appraisals include the value of your land, which you don’t need to insure.

To get the amount of homeowners insurance you need, ask a local builder how much it would cost to rebuild it and use that figure.

2. Get the highest deductible you can afford. For instance, raising your deductible from $250 to $1,000 will save you up to 25% on your annual premium. Raising your deductible also prevents you from filing excessive claims which can cause your insurance company to cancel your policy.

3. Combine you home and auto insurance. Purchasing your home and your auto insurance with the same company can save you as much as 15% on your yearly premium.

4. Install Safety and Security Features. Installing fire alarms, burglar alarms, sprinkler systems, dead bolts, window locks, and fire extinguishers not only gives you a big discount on your insurance, it also gives you peace of mind.

The Biggest Money Saver

Homeowners insurance can vary by $1,000 or more from one insurance company to the next, so the best way to save the most amount of money on your insurance is to compare rates from different companies.

The simplest way to do that is to go to an insurance comparison website where you can get rate quotes from a number of insurance companies. A few of these sites even offer an online chat feature and a toll-free telephone service where you can get advice from an insurance expert. (See links below.)

By: Brian Stevens

About the Author:

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

thepastisinthepast asked:


A friend of mine was injured when he was horsing around with another person at someone’s house. Now, the two people involved, the injured and the injuree (?) are not the homeowner. Can the injured person try to the get homeowners insurance to cover it? They can’t lie their way about how the injury happened since they told the hospital it came from the two guys horsing around. My thinking is, it might have been covered IF the person slipped or fell and there was no involvement by anyone else but since it was these two guys messing around, why would the homeowner or his insurance, be liable if it is? My guess is, unless it was the homeowner that caused the injury, or was caused by a fault or accident in the home itself, these people have no chance of getting the insurance company to pay. Any thoughts?

floridaconsumer asked:

In today’s economy, it has never been more important to get the lowest price on Florida homeowners insurance. And with smaller, no-name companies entering the Florida Property Insurance Market every year, you need to make sure that you are giving your business to a company that has the financial stability, customer service, and industry experience that will give it the best chance of surviving the next Florida hurricane. Home Insurance Buyers Guide, LLC is an independent consumer organization designed to help you find, screen, and contact companies still writing new business in your Florida county. This video shows you how to get the most out of your subscription to the Florida home insurance buyers guide and how you can save you thousands of dollar on Florida homeowners insurance and the huge amount of time you can save if you let us do the research to keep you current on the insurance companies that are continously entering and leaving the Florida homeowners insurance market each and every year. Learn more by visiting: www.homeinsurancebuyers.org

Are you on the look out for homeowner’s insurance? Are you worried that you might choose the homeowner’s insurance that will only burn your wallet when you can get the same benefits at a cheaper price?

Are you the type who relies on reviews? If you answer yes to all these questions, then you should check out homeowner’s insurance company ratings. Ratings provide you with the information you need on the financial strength of the insurance firm.

You can also find out about their claims records and their customer service record. If you believe that the insurance company is credible because of their homeowner’s insurance firm rating, then you can sign up for the policy that they provide.

Just take the time to check the homeowner’s insurance firm ratings. Homeowner’s insurance must be pondered upon really well. It should come from a well thought of judgment. This is one of the most important decisions anyone can make because not only will it insure his or her property, it will also give him or her bigger value if he or she does decide to sell the house.

Homeowner’s insurance firm ratings can provide any homeowner what they need to know when it comes to this option. By checking this information, it’s not just the purposes of insurance that they will be enlightened. They can also get the 411 on investment. Here are some notes on how to check homeowner insurance firm ratings. Thanks to the Internet, this can be done just like that.

You can just go online and get everything you need to know with just the click of the mouse. Check the websites of the insurance company that you prefer and compare their homeowner insurance firm ratings side by side. You can evaluate the strength of the company on a scale.

AM Best Company is one of the websites that can give you homeowner insurance company ratings. Their reviews range from extremely strong to extremely weak. There is also a rating wherein the insurance company must be under supervision first before it gets the go signal to offer their policies and plans to homeowners.

If you see a company insurance that get high homeowner insurance company ratings on a regular basis, then this says something. The insurance company is then able to provide their customers with the homeowner insurance that they are looking for at the rate that they prefer.

They are definitely getting their money’s worth and they know that these are not scams because of the reliable homeowner insurance company ratings.

By: Ricky Lim

About the Author:

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

john c asked:


i am here filling out the form the insurance ppl send me.
i just dont know if they need all this info ..
pls help .