Posts Tagged ‘Home’
ALLSTATE HOME OWNERS insurance vintage 1960s B&W tv commercial (c194)
May 22nd, 2012
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What is the range in NJ for home flood insurance??
May 16th, 2012
Question by a.d.b.b: What is the range in NJ for home flood insurance??
we are buying a home we found out is definetly in a flood zone (though it has never flooded ever). Just wondering what you guys have found to be the range of flood insurance in NJ??
okay.. perhaps i didn’t clarify- I know you can get a quote but it requires you fill out all those forms and I was just wondering what people are finding to be the usual rates… that is all I need. Since we do not own the hosue yet I do not have all the info to fill out the forms or tell the guy.
Just your experiences or knowledge please in this matter… number wise
Best answer:
Answer by ernesto_tig
You don’t have to guess, go find out. The link below is for the flood insurance program; put in an address, get a quote.
***** NO FORMS REQUIRED
If you buy the house and you’re required to get a survey done, request a flood certification from the surveyor. Since he’s there already, he can kill …. you know
Good luck.
http://www.floodsmart.gov/floodsmart/pages/premiumest.jsp
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What happens when you stop paying your auto or home insurance premium?
May 14th, 2012
Christine McLaughlin
Many Americans face financial hardships, so not paying your auto insurance or home insurance premium might seem like a temporary or permanent fix. But should this ever be considered when you’re in a cash crunch?
No way, experts say. Why? First of all, you’re left unprotected in case something bad happens, such as a wreck or a fire. Furthermore, doing so could result in insurance rate increases, denial of coverage or even loss of your driver’s license.
Simply put: If you don’t pay your premium when it’s due, your auto or home insurance policy usually is canceled within 30 days, says John Koch, owner of Koch Financial Group in New Jersey. Plus, depending on the policy terms, unpaid auto or home insurance premiums could be turned over to a collection agency, potentially harming your credit record.
Here are seven tips if you find yourself in a financial bind but want to keep your insurance coverage:
1. Review your policies.
Make sure you’re not paying for duplicate coverage. For instance, many auto insurance policies include coverage of medical benefits for accident injuries. If you have good health insurance coverage, you may be able to reduce the amount of medical coverage on your auto insurance policy or remove it altogether.
2. Raise the deductible for your auto or home insurance.
“It’s not wise to file small claims anyway, because it makes your premium go up,” says Amy Bach, executive director of United Policyholders, a nonprofit consumer advocacy group. “Save your insurance for things you really can’t afford, so that it’s worth carrying a higher deductible.” For example, someone who pays $ 100 a month for homeowner’s insurance and raises the deductible from $ 500 to $ 1,000 could save at least $ 100 a year. Auto insurance works much the same way.
3. Ditch comprehensive and collision coverage for cars that don’t need it.
Optional comprehensive coverage pays for damage caused by such things as vandalism or fire. Optional collision coverage kicks in when your car hits another object, such as a vehicle or a tree. Dropping the comprehensive and collision coverage and sticking with liability coverage — mandated in 49 states — could make sense if you’re driving an older, less valuable car. Liability coverage pays only for damage you do to other people’s property, such as a car or a fence; damage to your car isn’t covered.
4. Shop around.
Compare quotes from several insurance companies and insurance comparison websites to find savings.
5. Combine policies.
Look into carrying auto and home insurance with the same company for a potential discount. Discounts generally range from 5 percent to 25 percent.
6. Drive safely.
A clean driving record could lead to “safe driver” discounts of hundreds or even thousands of dollars a year.
7. Pay on time.
If you always pay your insurance bill promptly, you may qualify for a “continuous payment” discount.
Uninsured motorists
Despite the potential harm, millions of Americans go without auto insurance.
Even though laws require motorists to carry basic liability insurance in every state except New Hampshire and banks require a certain amount of auto insurance if you’ve got a car loan, roughly one of every seven drivers nationwide lacks coverage, according to a 2011 study by the Insurance Research Council.
“The percentage of uninsured motorists does seem to follow economic conditions, particularly unemployment,” says David Corum, vice president of the Insurance Research Council.
No coverage for your casa
Most mortgage companies require you to carry home insurance as a condition of your home loan; the insurance payment typically is included in your escrow. But if your home is paid off, you’re free to get rid of your home insurance; however, experts recommend against doing that. According to a 2009 study by the Insurance Research Council, 5 percent of homeowners said they had dropped their home insurance as a result of the economic downturn.
If a homeowner stops paying the mortgage (and, with it, the home insurance), the lender can impose “force placed” insurance. The homeowner picks up the tab for this coverage.
“Force-placed insurance is typically far more expensive than homeowner’s coverage purchased by a homeowner — anywhere from two to ten times more costly — yet often provides less protection for the homeowner while protecting the lender’s or investor’s interest in the property,” Benjamin Lawsky, New York state’s superintendent of financial services, says in a news release.
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what do i do if i have no renters insurance and my home caught fire do to the meter?
May 13th, 2012
Question by : what do i do if i have no renters insurance and my home caught fire do to the meter?
my home caught fire and we were renting however we had no renters insurance at all. The source of the fire was due to the meter however every lawyer I talked to will not touch the case.
Best answer:
Answer by The Angry Man
Get a report from the fire inspector that states the cause of the fire. If you can get paperwork from your previous landlords regarding their home owner’s insurance payout that would be nice as well. Then sue the power company, landlord, or whoever owned and was responsible for the upkeep of whichever meter caused the fire. You do not need a lawyer if you have all the proof. If you’re not sure how to go about filing a lawsuit, go ask at the court house in your area, they should be able to help.
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VTG National Home insurance callendar 1977 AD home office family album religious
May 11th, 2012
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PROGRESSIVE INSURANCE FOAM MOTOR HOME STRESS RELIEVER
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The Home Insurance Company Capital Stock Certificate
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Sirius Connect Home Tune Home Tuner
May 8th, 2012
Sirius Connect Home Tune Home Tuner
SIRIUS CONNECT HOME TUNE HOME TUNER
List Price:
Price: 51.99
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PROTECTIVE HOME CIRCLE – Vintage fraternal Insurance PHC Member lapel Pin
May 7th, 2012
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Home Insurance Company George Custer House Fort Lincoln ND 1942 Ad advertisement
May 5th, 2012
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1997~NFIP~FLOOD INSURANCE PROGRAM~Flooded House/Room~Furniture~Books~Print-Ad
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How to let your house yield cash income: buy Home Income Insurance (free quote)
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How much for home owners insurance in MI?
May 4th, 2012
Question by : How much for home owners insurance in MI?
My wife and I are looking at homes in the 1600 to 2000 square foot range, and are trying to get a ball park figure on home owners insurance. Please don’t answer unless you can provide real numbers. Worst case scenarios are preferred. Thanks.
Best answer:
Answer by mbrcatz
Worst case scenario is insurance is flat out not available.
Real numbers aren’t going to happen. You can’t average a brand new brick house with a 100 year old frame house, even the same size, and get a realistic number. Additionally, your credit score plays a real part, in those rates – and you didn’t mention that, either. Best I can tell you, is when you are looking at houses, the realtor can tell you about what the CURRENT owner is paying for insurance. If your credit score is different from theirs (and it most likely will be), then your rate will be different, too.
So . . .budget somewhere between $ 500 and $ 2,000. If you’re in a high hazard flood zone, you’ll need to add in $ 1500 for that, too.
**ahem. And as for the stupid people comment above, actually, for 99% of homeowners, contents really DO have nothing to do with it. Pot . .. kettle . . .**
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Massive Sinkhole Forces Windermere, Florida Residents Out Of Home; 50-feet deep
May 3rd, 2012
A Windermere-area family has been forced out of their home after a 100-foot diameter sinkhole opened up in their backyard, according to Orange County Fire Rescue. Officials declared the home unsafe after the massive depression opened just feet away from the home’s rear sliding glass doors, said Fire Rescue spokeswoman Genevieve Latham. The ground inside bowl-shaped hole caved in about 50-feet deep behind a row of houses in the Summerport subdivision off of Winter Garden Vineland Road. The homeowner told officials she was letting her dog out about 7:11 am when she noticed the hole. Emergency personnel are helping the family of six — two adults and four children — move their belongings out of the home. No one was injured, officials said. Latham said the property owner is now responsible for managing the problem with insurance agents. Nearby homeowners were notified about the risk that the hole could grow and put their homes in danger, Latham said.
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