Answers to all of your questions about homeowners insurance.
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If you are looking for a video about home insurance then look no further because below you will find a great video I ran across just the other day.
Enjoy the “Get Over It” commercial.
Video Rating: 4 / 5
A question from Better You know: Many Copper Thefts – What should I look for in my home insurance policy that will cover this?
Is there anything that I should look for in within my home insurance policy that will cover copper theft and damage of my home. (Air Conditioning Unit, Water Heater, Pipes, etc)
Should anything be added to my policy?
The top answer:
Answer by Idiftl Troll
I dont think ya need extra ins. also I dont think you have enuf copper to interest thieves in ya house.
unless ya got a real big house. I knew a guy that took scrap metal out of abandoned commercial buildings and got $ 1000-2000 a day in metal.
Agree or disagree? Leave your own thoughts below.
This video gives some great insights into home insurance.
Get a free online Homeowners Insurance Quote
Question by PrettyWifey: What kind of insurance do I need to cover my rental property?
Do I have to get special insurance for a rental property? Is it the same as it was when I lived there? Does it cost more or less than before?
What if a renter has someone get hurt on the property, can I get sued as the landlord?
Selected answer:
Answer by Twitter Bird
You need homeowners insurance for non occupying owner (rental property policy).
It costs about the same as your owner occupied homeowner policy, but you get less coverage.
Yes, you can be sued for injuries that occur on your property.
How about adding your own answer to the comments below!
Question posed by mauryb: Must home insurance be in the name of joint owners?
My brother and I own a home as joint-tenants. Can we insure the home in my name only, rather than put both names on the policy? Or is his name required on the policy as co-owner?
My brother has a mental disability. We split the property taxes, but I’m willing to pay for home insurance, to save him some money. Thanks!
Most detailed answer:
Answer by JB
sure…the policy is insuring the home.
How about adding your own answer to the comments below!
Question by Q’Aminator: Which car and house insurance company is recommended in California?
And with which one you had a bad experience?
does it matter how long I
ve been in California?
The top answer:
Answer by vhines200
Because rates vary by location I have found it cost-advantageous to shop around every time I moved to a different city in CA. Here in the South Bay I’ve had good luck with the California State Automobile Association (AAA) for both car and homeowner insurance.
Do you know better? Why not leave your own answer in the comments below!
Watch the video below and then please leave a comment to let we know what you thought about it.
Congresswoman Maxine Waters is trying to throw a liferaft to homeowners now finding out they are in flood zones.
A question from Jim: my neighbor cut a tree down and it hit my house. is her insurance liable for this?
She had a friend come and cut trees for the firewood. One tree fell and hit my house causing alot of damage.Does their insurance policy cover the damage?The person cutting the trees was not a professional.
The best answer:
Answer by Aliza
You can charge her.
Whether you agree or disagree, why not leave your own thoughts below.
Question posed by simdawgydawg: what is the difference between a HO2 and HO4 in house insurance policy?
what is the main difference?
My chosen answer:
Answer by mbrcatz
It’s HUGE.
An HO2 covers BUILDING and CONTENTS. An HO4 only covers CONTENTS.
They BOTH only cover for named perils.
Agree or disagree? Leave your own thoughts below.
Question posed by Patty: Is this normal for home insurance?
I have AAA-California home insurance and we had an incident yesterday involving a squirrel and our fire suppression sprinkler lines. AAA says they only cover the damage caused (carpets, sheetrock, moisture, etc.) by the squirrel eating through the lines, but will not cover the cost of repairing the lines. Is this standard for all home insurance, or do I just have a crappy policy?
The sprinkler lines are in my attic.
The top answer:
Answer by dymond
It’s common if the lines are outside lines.Insurance company’s only cover what’s inside the house.If the squirrel chewed wires in the house or under the house they are liable to replace them.Outside is another story however.
Whether you agree or disagree, why not leave your own thoughts below.
