Will Home Owners Insurance Replace Burned Counter-top?
Question by Lucia Maria | Posted in Maintenance & Repairs
I burnt my island counter top with a pan. Will home-owner's insurance pay to replace all of the counter tops in my kitchen or only the island? I would like to have a different color, but of course I couldn't if they will only replace the one part. If that is the case, then it might not make sense to file a claim.
Answer: Depending on your deductible on your homeowner insurance, it most likely would not be worth the claim. Insurance companies will only replace what is dammaged, then they most likely will raise your insurance cost due to you filing a claim.
Why Do You Have To Pay Mortgage Insurance On Top Of Home Insurance??
Question by Fantasy Dominator | Posted in Renting & Real Estate
I'm a new Buyer w/ an FHA Mortgage. I know it is required but I'm wondering how many years...the Broker says 5 but I'm reading otherwise...
Answer: Mortgage insurance protects the lender from you defaulting on the loan.
Home insurance protects you if the house burns down or if someone is hurt on your property.
All FHA loans have mortgage insurance, regardless of $ down. Why? That is the guideline you must comply with to make use of their $.
Same thing with Fannie/Freddie $ (except you can get rid of MI if your house appraises higher later on) above 80% LTV.
Question by castille_g | Posted in Renting & Real Estate
I'm buying a house and at closing it states that I need I year of home owners insurance plus 2 months of reserve home owners insurance. On top of that I will have monthly payments which include the home insurance. Can anyone explain this to me? When do I get back even?
Answer: You are paying for the first year's insurance up front at closing. Next year when the insurance bill comes due they want enough money to pay the bill before the current policy expires- plus the cost may be slightly higher next year and you may or may not be current on your payment. So you pay for 1/12 of the policy each month plus put 2/12 up front in escrow. Get it? So if you close June 1 this year your insurance policy will come due next june 1. You will have made 11 payments by that time (if you make payments on time) so the extra two payments are not excessive.
Who Are The Top 5 Insurance Providers In The UK For Home, Car & Life Insurance?
Question by Andy V | Posted in Insurance
Answer: This is from gumtree.com and I found it very usefull
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How Much For Mobile Home Insurance In California.?
Question by Roberto Zavala | Posted in Insurance
I'm looking into buying a mobile home in California. I was wondering how much the average annual premium would be. The value of the home will be around 40-70k, the coverage isn't all that important for this is only temporary, but I would like a little bit over the basic. I know it is hard to give an estimate off of the top of your head but anything helps. Thanks!
Answer: It probly would not be that much. It depends on what area your looking to live in. And, is the mobile home in an approved mobile home park, approved by the insurance company?
Call and get some quotes. Try Farmers, State Farm, Auto Club and Allstate. Just shop around. Start with the company that carries your auto insurance to get the most discounts.
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