Home Insurance-Home Owners Insurance

PARTYGURLX asked:


I’m buying a house in a month or so and was wondering (for those who already have insurance) which company should i go with for a cheaper price?

Laurie

Bev asked:


We are selling our home for $115,000 and buyer is putting $6000 down and monthly payments of $800 and a 5 year balloon. During this period of 5 years I want to make sure if there was fire that it is insured and I am going to be re-imbursed if any damages. Or does the Promissory Note relieve me from that ???? Help please.

Esther Vari

LH asked:


I am looking for home owners insurance since State Farm is pulling out of Florida. I cant seem to find any that insure your home if you have horses. HELP PLEASE!

Wava Yuengling

asked:


I have a 2 yr old male pit. He’s never bit any human or animal. Where can I get insurance???

Vella Dixson

Ashton asked:


Anyone know?
Would a German Shepherd?

Jeffrey

JAMES asked:


I’m buying a home that was built in 1979. The home has a wood/oil furnace in the garage that serves as the only heat for the home. This is not a wood stove, it’s a wood furnace that has a chimney and is ducted through the ductwork. Because the wood furnace is in the garage, 2 of 4 insurance companies I’ve called will not write a policy on the home, one of the others isn’t sure, and one says they see no problem if it’s installed properly.

Can anyone tell me why a wood furnace in the garage is such a big deal? Where else would it go?

I’m going to ask the seller who his insurance company is, but I was just wondering why these policies are so hard to write? It seems like they’d just tack on a surcharge and write the thing.
I may have forgotten to mention that it’s a combination wood/oil furnace. It starts up on oil and can run entirely on oil (diesel) or you can add wood to keep down on oil costs. If the wood runs out, the oil kicks back on, so that’s how the house is heated when away. However, I’ve been searching and have found there are sometimes problems with the oil tanks that store the oil. Just contacted my agent and there’s no problem w/ them, but 2 of the 4 will not write the policy. My worry is that I’ll spontaneously get cancelled or have to put in a new furnace, which would have to be propane since I’m out in the sticks (probably 5 miles from a fire station, but definitely not within 1000 ft of a fire hydrant.
I understand Izabella’s point. The house has an above-ground basement, with the garage attached to the basement and the top level above. If the wood burns out, the oil kicks in, so there shouldn’t be much issue with frozen pipes. Also, the farthest point the ductwork travels is around 40 ft.

I understand their side of it if they in fact would be losing money on the deal – that’s a no-brainer; I wasn’t aware that homeowners insurance is such a low-profit sector.

Making my case here won’t do any good, I understand. Luckily, I’ve found a couple major insurers who will write it.

Thanks

Kurtis Cochran

mom asked:


on auto and home owners insurance is it required to have identity theft on your policy. are there any hidden costs?

Corinna Brasswell

Pebbles asked:


An item was stolen that has a replacement cost of about~ 600 dollars. (I had lent it to my mother and my brother had it in his car for transport when it was broken into). We have a deductible of 500 dollars that may apply. If we file a claim for this stolen item, will our home owners insurance go up? There was a police report filed for the break in and theft and the receipt for the item was saved.

Dale Palazola

kathy h asked:


cutting grass a rock flew out from under the lawn mower knocking three small holes in the siding of my house. i just need to replace three strips of siding so bees and other bugs don’t nest inside the siding causing a larger problem.

Beau Bugler

maxxz8 asked:


how many claims can you make. on home owners.

Mary