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What Should A New Home Owner Consider When Purchasing Insurance Coverage On The New Home?

Question by zita | Posted in Insurance

I am unsure what all I should be asking the insurance companies about their coverages. Can you give me some tips?

Answer: In general, you need:
1. liability coverage to protect you if someone is injured on your property.
2. Damage coverage for the improvements and contents (personal possessions like furniture, etc.)
3. You need to ask what the coverage limits, exclusions and limitations are (most policies have limitations on jewels, precious collectibles, etc.).
4. You need to know what your deductible amounts are in the event of a claim.
5. You need to know if "replacement cost" coverage is provided.
6. Your need to know if the policy covers any "other" structures you may have (a detached building, swimming pool, etc.).

Some insurers
 
 

Does Insurance Cover Vandalism Prior To Moving In To A New Home?

Question by fh | Posted in Renting & Real Estate

I hear stories of a previous home owner damaging the home because they are losing it, would home owners insurance cover the new homeowner?

Answer: No, you can not claim anything that happened to the property before you took possession.

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Are There Any Home-owners Insurance Companies Left For New Home Owners In South Florida?

Question by june84 | Posted in Insurance

every company we've checked with says they are no longer insuring homes in south florida.

Answer: There are 475 home owner insurance firms in Florida ( http://www.fldfs.com/Data/CompanySearch/ index.asp ). If you are having difficulty find one providing coverage in your area, I would recommend contacting the Florida Department of Financial Services (which oversees the companies) toll-free at 1-800-342-2762.

Hope this helps!

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Can You Use Home Owners Insurance For New Siding On Your House? ?

Question by Nicole | Posted in Maintenance & Repairs

My mothers house is really old and the siding is rotting. Its 1080 sq ft. She put some new on a couple really bad spots a few yrs ago and discovered many areas without any insulation. Explains why when outside you can easily hear everything in the house. And the electric bill is crazy.

My question is can home owners insurance cover the cost? And will she have to spend a lot of Money. What options are there to get help for this financially?

Answer: homeinsurance.awardspace.us - try this one. Got my home insurance from them. As I know they provide such a service.

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Who Offers The Cheapest Home Owner's Insurance In Florida For 2 Story Houses?

Question by rita s | Posted in Insurance

I am trying to find a new home owner's insurance company that offers the lowest price possible for a two story house. I have excellent credit so please share your recommendations. Thanks! : )

Answer: see this http://gsx1.com/InsuranceComparison.html take the quote, they'll come back with prices from different insurers in your area. It's very quick and free of charge.

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Homeowner Insurance Quotes Learn how To Find Discounted Homeowner ...

by cheapcarinsurancerus

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