fungal_gourmet asked:


Then why do some people thing insurance companies should provide coverage for preexisting conditions?

If you own your own home you are probably already aware of homeowners insurance and how to obtain it. But if you have never had homeowners insurance, or are a new home owner you may not be familiar with how to obtain homeowners insurance.

There is no right and wrong way to go about getting homeowners insurance. In fact, you end up in just about the same place no matter what route you take, but there are a few search tips that can help to make your life a little bit easier.

The first place you may want to look in order to find a good policy is with the same company that you have your auto insurance with. This way you are familiar with billing procedures, response time, and the level of customer service that you will receive. It is always easier to deal with someone that you know does good work. You can give them a call and they will be able to take down all of the necessary information to provide you with a price quote. One advantage of having both your auto and homeowners insurance from the same company is that you may be offered a discount for having more than one policy.

If you are looking to secure quotes from a few different companies before deciding, you may want to check the internet. Most insurance companies offer a free quote calculator on their website. All you have to do is plug in your personal information, as well as some information on your home, and you will receive an instant quote. This is the easiest and most efficient way to receive multiple quotes.

Remember to always read over your policy before you sign on the dotted line. Be sure that you are completely aware of what is covered, and what is not. This way there are no surprises if something should ever happen.

By: Mindi Haehl

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You are forgvin (fake rep) asked:


akita. My parents want to give it away, but i like to keep it.

The insurance guy said, No one would sell you house insurance with this dog, when my mom ask to switch insurances.

I heard some places do sell insurance to akita dogs, but its alot more money, is this true?

Oregon homeowners and auto insurance discounts are available and plentiful, you just have to be willing to do the research and company comparisons to find them! We know that saving money on insurance is important whether you have a family to support, or just would rather spend the money elsewhere. This article will review discounts for both types of insurance in Oregon, and then supply free search tools to see which companies offer the discounts you are searching for.

Oregon Auto Insurance Discounts

Auto insurance in Oregon offers various discounts, but it is essential to know which are allowed in the state. Some insurance companies do not advertise that these discounts are available unless you threaten to leave, so while doing your quote comparisons, make sure to ask about these discounts:

New parent discount: If your oldest child is under the age of six (may vary from insurance company), you may be able to get a discount on your auto policy.

Alternative fuel: Talk about saving the environment! Some green insurance companies are rewarding their customers for driving hybrids or other alternative fuel vehicles with discounts.

Defensive driver: This discount is primarily for seniors (depending on the state, the age ranges from 55-65) and can be achieved by taking a defensive driver course.

Multi-vehicle: By carrying more than one vehicle on the policy, it may qualify you for an automatic discount.

Good student discount: For those full-time students between the ages of 16-25 (varies between companies), they may be eligible for a substantial discount with proof of a GPA of 3.0 or better. Takes the heat off the parents, that’s for sure.

Affinity/Sponsored marketing discount: For those that are members of certain business or professional groups, they may qualify for a discount on the auto insurance policy.

Oregon Homeowners Discounts

Oregon homeowners insurance has multiple options for discount savings. The availability of discounts will vary with different companies, which is why it is so important to do at least 3 company comparisons.

New home discount: This discount is eligible for new homes built within the last nine years.

Renovation discount: If major systems such as heating/cooling or plumbing have been renovated, your home may be eligible for this discount.

Sponsored marketing discount: If a listed owner is a member of certain business or professional groups, a discount may be applied to the home policy.

50 + discount: If at least one of the listed owners is age 50 or other, the policy may qualify for a discount.

Multi-line discount: By combining your auto and homeowners policies under one company, many times you will be eligible for a discount on both policies.

Find Oregon Homeowners And Auto Insurance Discounts Now!

Start saving money today by finding Oregon homeowners and auto insurance discounts. Use our free search tools at www.OregonHomeownersInsurance360.com to compare companies and save yourself some money.

By: James J. Robinson

About the Author:

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Gentle Jeffrey asked:


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

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

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

Rating of Homeowners insurance depends on various factors. The most knowledgeable buyer usually finds the best home insurance rate. To get the best homeowners insurance rate, you should do a bit of research work. If you cannot time yourself for it you can of course seek professional help. This approach is timesaving but you have to be cautious about your advisor.

Here are some tips to get the best homeowners insurance rates.

1. First of all you should get the basic understanding about your home insurance rate and the different policies. You have to know who regulates the rate. It is the individuals of an insurance company who decide on the home insurance rates and these rates are regulated by the insurance department of the state. The state insurance department is the approving authority; it is only after their approval the rates can be passed on to the customers.

2. Before applying for homeowners insurance, you should shop around, so that you get the best homeowners insurance rates. To maximize your options you should make a search of your own. Enquire with your local bank, lenders and credit unions. Today, many banks have official websites; you can send your enquiry online. After completing your search, compare with those available in the advertisements. This will make it easier for you to get the best deal.

3. Some insurance companies provide more than one kind of insurance policy. For example, they will give you better rate if you buy auto policy along with home insurance. It also helps you get better home insurance rates.

4. Many insurance companies are associated with security companies like Brink’s or ADT, these companies offer you better rates if you install a home security system.

5. Not only better rates, you can even get discounts if you are ready to install motion sensors or video surveillance cameras in your home, provided by the associate companies of home insurance company.

While keeping these points in your mind, you can get the best homeowners insurance rates.

By: Oliver Turner

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Your home and its contents probably represent your biggest investment, and you want to protect them with homeowners insurance from a top insurance company. But how can you easily find quotes from the best rated homeowners insurance companies? Here’s how …

The Internet Has Your Answer

The Internet lets you easily get quotes from the best rated homeowners insurance companies. First, you’ll need to gather some basic information about your home and insurance needs, including the following:

* Square footage of your home.

* Year your home was built.

* How far away the nearest fire station and fire hydrant are.

* Construction details about the home, such as the type of foundation, walls, and roof.

* Amount of coverage you want.

* Deductibles you want.

* Safety features in the home, such as deadbolts, smoke alarms, fire extinguishers, and security systems.

Once you have this information, you can go to an insurance comparison site, fill out information about your homeowners insurance needs, and quickly receive quotes from A-rated homeowners insurance companies.

The best comparison sites even let you talk online with insurance professionals online so you can ask questions and make sure you choose the best homeowners insurance company for you. (See link below.)

Check Their Ratings

By going through an insurance comparison site to select your homeowners insurance company, you know you’re getting a company that’s been rated to be reliable and financially sound. You can set your mind even more at ease by checking the company’s ratings on other sites. Again, the Internet will help you out:

* Go to the National Association of Insurance Commissioners (NAIC) Web site (naic.org) and select your state. You’ll then go to your state’s Department of Insurance website. This website is maintained by the Insurance Commissioner and lists licensed agents, companies, and each company’s complaint ratio.

* Check ratings from companies such as J.D. Power & Associates (jdpower.com), A.M. Best (ambest.com), and Standard & Poor’s (standardandpoors.com).

By: Brian Stevens

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Todd M asked:


I am trying to find out where Farmers insurance discloses their rating formula. I am in Texas and have asked the Texas department of insurance but they were no help. I know insurance companies have to disclose their standard rating formulas but they HIDE them. Please help me if you know where to find them.

studebakerwilson asked:


What major home owners insurance companies are there in the USA? (namely Chicago, IL). I am a first time buyer and dont know where I should go or how much I should be paying…