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I Am Looking Home Insurance Premium Saving Tips While Building My New Home.?

Question by Misty | Posted in Insurance

My husband and I are building our home ourselves. We have started with single wide trailer (that we we live in) and we are adding room by room until the house is complete. Because we are not having a contractor do anything for us, I would like to know if anyone has a site where I can get info on how to use products and abide by specific guidelines to help lower the cost of our home owner's insurance. For example, on DIY, I watched an episode where they explained four types of roofs and how they affect your premium.

Any help would be great!!
Thanks in advance ;)

Answer: You've got some problems. The short answer is, you need to sit down with a local agent, to discuss this.

See, a trailer, doesn't QUALIFY as a home, on a standard HO3 policy. A MOBILE HOME policy, is way different, than a homeowners policy - and if you try to stick an HO3 form on a mobile home with a few additions, you're going to have a serious problem, come coverage time.

Additionally, building materials, or a building under construction, aren't covered by either an HO3 OR a mobile home policy. That's problem #2.

Problem #3, is construction. Are you taking out building permits, and constructing "addition" on a legal foundation, poured concrete
 
 

Do You Need To Vote For Obama To Pay Higher Taxes?

Question by Night Girl | Posted in Elections

I'm talking to the Rich folks who said they wanna pay a little bit more.

They don't have to vote for Obama to pay alittle bit more.

Why not get together with your rich friends and build a health insurance company that will offer everyone low premium every month...

like $25 a month? And after people need the insurance money to pay for their medical...
They have to pay back... add $10 a month... so they just need to pay $35 a month.


Answer: WHEN are you people going to realize that 1 trillion bucks Obama is going to spend isn't going to be covered by five percent of the population? YOU WILL BE TAXED.

Watch this dude talk. he is a young black man who UNDERSTANDS that the rich won't suffer...but HE WILL if Obama is voted in.

http://www.youtube.com/watch?v=Yvc0tYG_Y pA

UH...look at the tax returns people. Obama gave 120 bucks to charity last year...McCain gave over 1 million. He never took the money for book royalties or any raise senators got..those raises went into charity for veterans.

So before you speak...do your research...OBAMA needs to pay up...and spread HIS

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Should I Invest In A Roth IRa Or Variable Universal Life Insurance Policy?

Question by ashley w | Posted in Investing

I have a 401k/ Not married, no children, but my advisor says it is wise to invest in a variable universal life policy while I am young (the premiums are lower) so it builds cash value to aid in retirement plus I will have the death benefit for later on when I am married and have kids. Susie Orman thinks this is a bad idea and that 401ks and Roth IRAs are the way to go. Other people think differently. I am confused on what to do and wonder if people who have actually signed up for a Variable Universal Life policy have actually seen the cash value results when they have retired. My illustration shows about $600,000 cash value when I am 70- that is with a 12% return. I am wondering if I should go

Answer: The general rule of thumb is to always max out your 401k and Roth IRA first. The advantage to doing this with a 401k is pretty obvious, in that your getting a tax advantage and your employer is giving you free money, through a match. The Roth will provide you with tax free income in retirement, and grows over the years at a relatively low expense cost when compared to a VUL.

After you've maxed these out, then it might be a good idea to look into alternative investments like a VUL. If insurance is important you can always get term insurance with very low premiums.

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What Deductible Should I Chose For Renters Insurance?

Question by Have a GREAT day! | Posted in Insurance

I ran a quote for renters insurance thru my bank. They also had a little section where you can build your own quote. One of the catagories I can adjust is the deductible. I went with the lowest amount ($100). Is this ok? My bank had it set to $250. Is there anything wrong with getting the lowest deductible? I recalculated everything with the $100 deductible, and the premium didnt change really. Is $100 ok?

Answer: It's fine as long as you understand how much more it's going to cost in premium. I would run some numbers and see how much it would add up in 5 years if you went with a $250 or $500 versus a $100. If the money being saved by the larger deductible is not enough to justify it in your mind, go with the $100.

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Can You Help Me With These Driving Questions?? ?

Question by rodney d | Posted in Safety

1. Being in a crash at 30 MPH has the equivalent force of being dropped off a four story building.

A. True

B. False

2. At 55 MPH

A. You can stop within 150 Feet

B. A box of Kleenex could kill you

C. Your vision blurs

3. Leaving the scene of a collision causing more than $50 in damage will result in:

A. Lower insurance premiums

B. Two points assessed against your record.

C. Six points assessed against your record.

4. If two cars get to a 4-way stop intersection at the same time, which car should be yielded the right-of-way.

Answer: 1 - true
3 - B
5 - C
6 - C
7 - C
9 - C
10 - B

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The Best Way To Get Affordable House Insurance Coverage | UhWatch ...

by Author

The low premium is possible in case the residence is new and the standard of construction material used within the domicile is of good quality. There are certain elements that the insurance coverage company takes into consideration while deciding upon the premium. House insurance is a vital point to be borne in mind while shopping for one for you. The factors are web site of the home, high quality of the house in issues of building and age. So earlier than shopping for a residence the cost involved in getting it insured have to be estimated....

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