cherryred asked:


We are buying a newly built house. We need house insurance up front in order to close on it. My insurance agent called the builder to see how much the house was without the cost of the land. The builder was furious and would not give the information to my agent….only an estimation…not the exact amount.I don’t know why that would be such a problem.The agent would not tell me exactly what the builder said….I don’t know why,just that he furiously refused. Now,we have met the builder several times and he seems like a nice elderly fellow who possibly couldn’t have used the language that I imagine was possibly said.He has been in business over 30 years in this city.So I assume that he is reputable.I don’t know why my insurance agent didn’t tell me exactly what was said……I do not have virgin ears(I look like I do,though,) It just makes me sad and depressed now.(I WAS happy,upbeat and excited) …..and buying a house should be a HAPPY OCCASION!!!!!!!!!! OUR FIRST HOUSE!!!!

kelmac610 asked:


My husband and I are first time homebuyers. Our insurance agent has said we need to have repairs done before closing. We’ve already gotten other repairs as a result of the inspection and that is all the seller’s agreed to. How can we get repairs done (and get the insurance policy at closing) when the house is not yet ours and our agreement with the seller’s has already been completed? Any ideas?

expertvillage asked:

Learn why you should get a home inspection for homeowners insurance in this free video series that will explain all the different caveats of homeowners insurances policies. Expert: Romie Brown Bio: Romie Brown has been an insurance agent for 10 years. He was named one of the top 100 new agents in his company in 1999, 2000 and 2001. He is a 1992 Graduate of the University of Toledo. Filmmaker: Akita McCulloch

monserrate asked:


I was told by my ex that a home insurance agent was coming to look at the INSIDE of my house. I was under the impression only appraisers came to look at the inside of your home. Do home insurance agents do that now too? What’s the cheapest home insurance?

–Saving on Arizona Homeowners Insurance

Saving on Arizona homeowners insurance can be a difficult task, but with the right agent who knows your situation such as a local agent in your area is best to seek information. 

Rebuilding Costs:  Many times people think they need to insure their house for the amount the amount purchased.  This is not the case. If your house were to completely burn down, you would still have the land. Your agent will be able to help you calculate replacement cost of the house.

Multi-Policy Discount:  Consider purchasing auto and homeowners insurance from the same company as most companies will give a multi-line discount.

Increase Your Deductible:  A deductible is the amount of money you pay on a loss before your insurance company pays for a claim. The higher you set your deductible, the more money you can save off the premium. Currently insurance companies recommend a minimum deductible of $500. Ask your agent how much you would save if you went with a $1000 deductible.  A deductible is the portion of any claim that is not covered by an insurance provider. 

Home Security:  Many insurance companies will give a discount for smoke detectors, burglar alarms and dead-bolt locks. Some companies will also give a discount for sprinkler systems.

Good Credit Helps:  Insurance companies are using credit scoring more and more to determine premium on homeowners insurance.

Private Insurance:  If you live in a high-risk area and have been buying your insurance through a government plan, you should check with an insurance agent. You may find that there are steps you can take to buy insurance at a lower price in the private market.

Understanding Credit:  Did you know that most insurance companies today will run your credit report when calculating your premium for homeowners insurance? That’s why it’s so important to understand your credit score and how to improve it.

Search for homeowners insurance agents in Arizona for a free rate quote on your homeowners insurance today.

 



By: Daren DiSantis

About the Author:

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sil3n63 asked:


i live in southern california and my home value is 600,000. I pay 2,200 for insurance every 6 months. i think this is a little too high but would like to know if this is average. When i bought the house i was too excited that i didnt even talked to my insurance agent, who is located in Fresno, Ca. I do live near a school could that also be the reason why my home insurance is so high? Could the location make any different? Can i also change insurance or will there be a penalty? I have no clue? My insurance is through Farmer.
thanks in advance!!!!!

expertvillage asked:

Learn how to lower your insurance payments for homeowners insurance in this free video series that will explain all the different caveats of homeowners insurances policies. Expert: Romie Brown Bio: Romie Brown has been an insurance agent for 10 years. He was named one of the top 100 new agents in his company in 1999, 2000 and 2001. He is a 1992 Graduate of the University of Toledo. Filmmaker: Akita McCulloch

Getting a right homeowners’ insurance quote is never an easy one considering the various options that are open to homeowners today.

Homeowners’ insurance quotes can now be gotten direct from the insurance company or through an agent or even online. Which is the best way and how can a homeowner manage to get the best quote that would also save him/her money?

The choice between getting a quote and a policy from an insurance agency or from the company directly or going online rests solely with the homeowner. It depends on the mental set up of the person looking for an insurance coverage.

Many times the best quotes can be found online – there are innumerable agencies and even insurance companies that allow you to fill in a simple online form and supply you with a homeowner’s insurance quote within a short time. Also since it is possible to get quotes from more than one company at the same time, it makes for easier comparison.

There are also online services that help you compare the quotes from different companies to find out which is the best one suited to your needs.

On the other hand dealing with a person or agent whom you have known for years might be the preferred way for many people. And since many insurance agents don’t just provide a quote but also handle all aspects of the shopping including filing of claims if any, they turn out to be the best option for most homeowners.

At the same time, there fact remains that the insurance agents receive a commission or fee from the insurance company which might directly be drawn from your pocket.

Many people prefer to deal directly with the insurance company as this takes out the middleman and lets them know all the facts first hand. Moreover a direct approach also makes things simpler and straightforward in addition to removing the middleman’s commission – that much less expensive.

Also unlike an insurance agent, the insurance company would not really try to influence a homeowner’s choice of coverage.

Another big benefit of going direct is that you are not required to wait for your agent’s availability when you wish to file a claim. Most direct insurers provide 24-hour toll free claims handling and processing services, so a phone call is all that’s needed.

While this removes the personal touch provided by the agent, it also makes for ease of use and effective savings.

All said and done, the ultimate choice depends on how the homeowner looks at the situation and the method with which he or she is comfortable. Getting the quote is not the big thing – getting the right policy and coverage is.



By: Ian Koch

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midiman77 asked:


My home owners insurance agent wants to come get pictures of my house to make sure I am “properly” covered. I’m obviously suspicious. What does this really mean and what do I need to watch out for? I’ve had this house and policy since 1996 and why the sudden interest now? Thanks.

pieceomind4me asked:


I’m looking for a rough guess, I don’t want to call an insurance agent because I don’t want them to keep bugging me