Home Insurance-Home Owners Insurance

johnpau2009 asked:


I got a new town home last week and the HOA (association) has a policy which I am hoping will cover the exterior and common area.

Now as a home owner within my home what policy do I need to get ?

1) Is there a standard townhome policy which most of the owners get ? if yes what policy is it ?

2) The home value is 225K, do I need to mention this number anywhere in the policy ?

Help me as I am new first time home buyer

Thanks in advance

Mason Limber

mickie asked:


We pay about $6000 a year (!!!! yeah, I know!!) for our insurance and it doesn’t cover contents, lanai or the pool. It’s forced by the mort. co. because we couldn’t find any. We’ve called brokers and no luck. Help!! Pasco County Florida, on 1.25 acres, no mh park.

Lincoln Collum

u2groupi asked:


the replacement of the house.

Nilda Laday

Kim asked:


I just bought a house and my insurance agent told me to make sure and find out if the house has a sewer/drain backup system. Such as a sump pump. And if it doesnt then I think I’m “supposed” to get some extra “thing” on my home owners insurance to cover that. Anyone know anything about any of that????

Granville Bertinetti

Nicole T asked:


We are considering having a house built in a neighborhood that is near a small airport. There are only single engine planes and helicopters flying in and out of this airport and noise isn’t really an issue. I was wondering if home insurance for this house would be higher because of the location however. Does anybody know if this is true?

Stacey Goodier

Gopika asked:


If I get home insurance, Do I have to pay each and every month? Are there any chances to pay yearly once? Thank you

Thomas

Jeremy asked:


I am doing a survey and this would really be helpful for me.

Please let me know how much you pay for your home owner’s insurance.

If you pay monthly or yearly.

The location of your home.

The value of your home.

How big your home is.

If you have flood insurance.

And what you have as your deductable.
Will people please ignore the idiot that just wants points and answer my question.

How much do YOU pay for home owners insurance.

Meaning, with the choices that you made, with the house that you have, how much do you pay?
You guys are great!

Please keep the answers coming.
I really need the yearly rate.

I am doing a report.
I AM DOING A REPORT LIKE I SAID!

I cant understand why people just don’t answer the questions on this site.

That’s what this was made for.

Not for the other person to ask “Why did you ask that”.

I cannot understand this.

Jonas Nakata

me asked:


I know 0 about this: are home insurance rates annual or monthly? Could someone give me just a very rough idea about how much a cheap studio’s home insurance & tax would cost? (in upstate ny)

Rupert Shuffield

Aircraft tech 1 asked:


claim was made two months ago.

Waldo Schellenberge

Independent_guy asked:


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.

Glynis Eimers