February 6

Is it standard procedure for home insurance agents to visit your house before they insure it?

Posted by admin . Filed under Renting & Real Estate | 1 Comment

monserrate asked: I was told by my ex that a home insurance agent was coming to look at the INSIDE of my house. I was under the impression only appraisers came to look at the inside of your home. Do home insurance agents do that now too? What’s the cheapest home insurance?Jillane

February 5

home insurance?

Posted by admin . Filed under Insurance | 1 Comment

jasMINe asked: i live in southern california and my home value is 600,000. I pay 2,200 for insurance every 6 months. i think this is a little too high but would like to know if this is average. When i bought the house i was too excited that i didnt even talked to my insurance [...]

January 28

Whats the difference between home insurance and rental insurance?

Posted by admin . Filed under Renting & Real Estate | 4 Comments

jayna asked: for my rental property? Is it a good idea to switch home insurance to rental insurance when a tenant is living in my rental property just in case if they smashed some holes on the wall, or some damages on the property? Where i can compare home insures?
Thanks!Hana

January 28

How the home insurance for secondary home different from primary home insurance?

Posted by admin . Filed under Renting & Real Estate | 3 Comments

Cosmos asked: I am renting my home for 4 months and that’s why I need to convert my Primary home owner’s insurance policy to Land lord policy. But after 4 months I can’t change the insurance of my home to Primary home owner policy. But I will have to get the Home owner’s insurance for [...]

January 28

Who pays for the home insurance when you let your house?

Posted by admin . Filed under Law & Ethics | 3 Comments

maria asked: I ask this question on behalf of my friend, who lives in Malaysia. He wants to know what the law in England will be in this case.
My friend is gonna let his house to another, so that he can have some income. A question arises: They need to buy a home insurance in [...]

January 23

Will an insurance company insure our home if there is a unpermitted cottage?

Posted by admin . Filed under Renting & Real Estate | 2 Comments

Happy asked: I’m in the process of buying a foreclosure home (Saratoga,CA, can’t transfer the insurance since it has already lapsed) that has a detached unpermitted cottage (2 bedrooms, kitchen, bathroom and living room total of 900 sq ft), the main home also has a unpermitted converted garage that is used as a in law [...]

January 21

Why is home insurance limited to each and every different type of disaster?

Posted by admin . Filed under Maintenance & Repairs | 1 Comment

Craptacular Wonderment asked: The home is either livable or NOT livable…it matters NOT what disaster ruined the home..
Why then is it that you have to pay extra for each different type of circumstance? An accident is an accident…. a disaster is a disaster… the home can only be burned, flooded, distroyed by earthquake [...]

January 15

Why home insurance companies are sensitive to lapses in the insurance?

Posted by admin . Filed under Insurance | 6 Comments

francine asked: When I shop for a home insurance I am always asked if my home is currently insured or if there are lapses in my insurance policy. Some companies outright refuse to give me a quote when I tell them that I haven’t had home insurance in the last 3-4 months. I am wondering [...]

January 11

Does home insurance cover when you rent out the house and the tenant causes a house fire?

Posted by admin . Filed under Maintenance & Repairs | 1 Comment

janey asked: Does home insurance cover when I rent out the house and the tenant causes a house fire (assuming the house completely burnt down)? If not, do I need to buy landlord’s insurance or ask the tenant to buy renter’s insurance? Where can i compare home insures? ThanksSamir

January 9

How can I buy home insurance if I use one room for my business?

Posted by admin . Filed under Small Business | 3 Comments

maximina asked: Hello there! I am a freelance web publisher so basically I work from home using my laptop. My husband and I just bought our first home. The other day I was shopping around for home insurance when an agent told me if I run my home business many carriers will mark me as [...]

 
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