At what point in the process of buying a home do I need to actually buy the home insurance? I am applying for a loan at the bank, which they told me they think will be no problem to get. I already have a home insurance quote, just not sure when to buy. Is it after the loan is fully approved? This is all new to me as this is my first house. Thanks.
Answer: After your loan is approved, after the inspection, after the closing date is set. You probably want to buy it about a week before the closing date, but you make it effective the exact date of the closing.
Saga Charge Me £150 For Home Insurance. An On-line Quote From Nationwide Is Less Than Half Of This...?
Question by brendanbehan38 | Posted in Maintenance & Repairs
Is there small print somewhere that I need to read?
Answer: Nationwide insurance is pretty good, and I and family members have had it in the past.
You can always call them up on their freephone 0800 30 20 10, to get any queries answered, to ensure that you've got the right level of cover. Also, ensure you got a quote online, rather than in a branch, as they have a 30% discount going right now if you buy buildings and contents insurance together.
Who Will Provide Home Buildings Insurance If There Has Been A Previous Subsidence Claim?
Question by MontyMole | Posted in Insurance
In 2003 I had to make a subsidence claim on my buildings insurance due to problems with the foundations wit the conservatory (the main house was OK). Since then all of the main insurers wont give a quote for home buildings insurance, although my existing insurer continues to offer me insurance (at a high premium). Do you know of companies who will give me a quote for buildings insurance or what I can do to be able to get more quotes?
I forgot to mention I am in the UK
Answer: Industry 'custom & practice' is that (only) your existing Insurer must offer cover.
No one else is obliged to provide a quote (and you will discover that none of the 'main stream' insurers will want to know), HOWEVER Norwich Union (Aviva) are well known for mopping up the 'sub-prime' market (at enormous cost, of course).
Failing that, you will have to go via an Insurance Broker (they will find you a quote via Lloyds .. expect to pay £++ brokers fees on top).
Home Insurance Claim Due To Tornado Damage: Will Insurance Company Agree To Pay Me Instead Of Contractor?
Question by Independent_guy | Posted in Insurance
Hi, will the insurance company agree to pay me say $5,000 instead of paying the contractor directly, and allow me to hire someone else? How does it work technically? I get $5,000, then if I am able to find contractor I like for less say $4,000, I get to keep the rest!? (pls assume example of $5,000 is based on a quote insurance company got from a contractor) THANKS.
Answer: Yes, they will - however, if you have a mortgage on the house, the check gets paid jointly to you and the mortgage company. You won't be able to cash it - after the work is completed to the mortgage company's satisfaction, they'll release the funds.
If you don't have a mortgage, your plan will work - and you can keep the difference. You can even do the work yourself - but if you do/get bad work, they won't pay to fix it.
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