Question posed by : Will the house insurance cover a spaceship crashing through your roof?
Russian Phobos Grunt Mars probe expected hit Earth Sunday

http://www.dailymail.co.uk/sciencetech/article-2086865/Russian-Phobos-Grunt-Mars-probe-expected-hit-Earth-Sunday.html

Wonder where that flaming satellite’s going to land… Better not be on my yard, nor it’s fuel!

Selected answer:

Answer by Evan
I guess you would be covered,

Whether you agree or disagree, why not leave your own thoughts below.

Technorati Tags: cover, crashing, house, Insurance, roof, spaceship, through

A question asked by kelli: Do I need renter’s insurance if I’m living with my fiance who has homeowners insurance?
I have had rental insurance and it is time to renew. However, since last year I have moved in with my fiance, who owns our home and has homeowners insurance. We will be married this summer. Do I need to continue my renter’s insurance or will his homeowners coverage be enough for my possessions, too?

Chosen answer:

Answer by Worldly25
Do not renew your tenants’ insurance. Since you are not a tenant, nor pay rent the insurance is useless to you. The homeowners will cover your possessions. If you have things of extraordinary value your fiance might consider increasing the value of the policy

How about adding your own answer to the comments below!

Technorati Tags: fiance, homeowners, Insurance, living, need, renters

Question by dallas patent: What sort of homeowners insurance do I get on a house that I buy to refurbish but not live in? Is cost high?
I am considering buying a house to flip, but I will put it an LLC. I need to find out if the insurance on the house will be reasonably priced. I won’t be living in the house but will be there almost daily.

Top answer:

Answer by tone
Yes it will be. All you need is minimal coverage

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Technorati Tags: cost, high, homeowners, house, Insurance, live, refurbish, sort

A question asked by oOFELIXOo +: Will home insurance cover my house ifa leaning tree falls on it?
I have a tree leaning towards my house, if it falls, would insurance cover the damage?

The No 1 answer:

Answer by Lynn
Yes, but I think it would be easier to call a tree service and have it removed. That way you’ll save your insurance deductible and your claims free discount, not to mention avoiding the risk that someone could get hurt or killed when the tree falls.

Agree or disagree? Leave your own thoughts below.

Technorati Tags: cover, falls, home, house, Insurance, leaning, tree

A question asked by Nicole M: How much is homeowners insurance?
what does someone pay for homeowners insurance per year in just an average house. Please just give me numbers, or what you think it would be.

No 1 answer:

Answer by simm101
Best to shop around as it is your post code that denotes the cost. If and when you do take it out make sure you read the policy as insurance companies don’t like paying out on claims and will try anything to avoid doing so.

What do you think? Leave you answer below!

Technorati Tags: homeowners, Insurance, much

Homes and Condos For Sale, for help buying a house and setting up your homeowners policy, Call Oliver Now 760. 237. 8006. San Diego Realtor and Local Area Real Estate Expert Oliver Graf interviews top Homeowners Insurance Specialist Jason Smith. Jason is one of the top 50 insurance specialists…
Video Rating: 5 / 5

Technorati Tags: About, agent, Diego, homeowners, house, Insurance, Realtor, Tips

Question by : Does anyone have experience with Amica homeowners insurance in Texas?
I am looking to change homeowners insurance since state farm is raising my rates 30% for my county. I have gotten quotes from Allstate, Farmers and Amica and by far amica is the cheapest for the same coverage. I have read a lot of good things about Amica but am nervous since there are no actual agents in my area. I wanted to see if any had experience with them in texas.

Most comprehensive answer:

Answer by George
I don’t have experience with them in Texas, but I do in NYS. I can tell you that they are a well rated and trustworthy company. Most of the major carriers have excellent online and 800 # systems for their insured’s nowadays. You’ll find that most everything you are used to doing with your agent can be done over the phone or online.
If you are very uncomfortable not having a specific rep you can always use one from anywhere in Texas and at least build an over the phone relationship with them.
As far as claims and rate changes Amica is on the same level as your State Farms and Allstate’s. I would go for the best price in this situation.
good luck

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Technorati Tags: Amica, anyone, experience, homeowners, Insurance, Texas

Question by sherry c: Is there any type of homeowners insurance that will pay for the maintenance?
A friend was telling me that if you are buying a home and have homeowners insurance and you have maintenance problems (roof needs repairing or replacing, water heater goes out, etc) that the insurance will pay for this. He also said that if you needed smaller repairs (plumbing, etc) that would be the homeowners responsibility. I thought anything that went wrong with the home , if you were buying, would be your responsibility.

thank you,
sherry

My chosen answer:

Answer by TedEx
We have oil heat, and there is a service plan available. It is expensive, but it includes service for breakdowns, and one maintenance/cleaning service call a year.
Homeowners’ insurance will not pay for wear and tear. That, i’m afraid, is your problem.

Agree or disagree? Leave your own thoughts below.

Technorati Tags: homeowners, Insurance, maintenance, there, type

A question asked by Shi B: Would my homeowners insurance cover my ruptured breast implant?
I was doing some work at my neighbors house when I fell in their garage. When I got up I noticed that one of my implants had ruptured. Do you think their homeowners insurance will cover that?

The best answer:

Answer by Dee
It should. You were injured on their property. That is what the insurance is for…

Agree or disagree? Leave your own thoughts below.

Technorati Tags: breast, cover, homeowners, implant, Insurance, ruptured, would

A question from N0_white_flag: Will my Laptop be covered by my homeowners insurance?
My nephew is/ going to be in the hospital for a few months. I would like to loan him my old laptop to use. If anything happens to it, (mainly concerned with theft) will my homeowners insurance cover it?

Most detailed answer:

Answer by Edward the Less
Most homeowners policies are $ 500 or $ 1000 deductible, so even if they cover it (which is uncertain without asking them), unless it’s worth substantially over the deductible, it wouldn’t do you much good to file a claim.

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Technorati Tags: covered, homeowners, Insurance, Laptop