Home Insurance-Home Owners Insurance

Deeetroit Basketball asked: I want to make sure I’m covered for falling objects i.e. trees and other things; break-ins; acts of God. What information should i/shouldn’t volunteer to the insurance agent to get the best quote? I live in Detroit, MI
oh, i’m also married and my husband and i are 26 years old.Micheal Jaworowski

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Sandra D asked: An independent plumber was injured while working at someone’s home. He is currently hospitalized and will take a very long time before he works again. The plumber does have an insurance policy, but it does not cover worker’s comp. It only covers damage to his client’s property, his vehicle [...]

Quake22 asked: I’m interested in renting out my condo during the Democratic National Convention (I live in Denver). However, my condo insurance does not cover damages caused by renter. If I were to upgrade my policy, how long would I have to commit? Could I just get a renters policy for a month? Or do [...]

Anne asked: I had no idea that they were so dangerous. Thanks to everyone who posted about the danger!Valerie

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Jason B asked: As we all know the property values continue to plummet. If my property value has depreciated a significant amount will my Home Owners Insurance be less due to the decreased value? Logically I say yes but I am a new homeowner and am unsure.Cory Bieker

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krista_guerrero asked: If I file a claim to have it replaced. Will there be any repercussions by filing a claim? Loss of Home Owners Insurance, penalties, etc?Clement Depierre

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peridot251970 asked: We were just notified that one our houses, (we are trying to sell it) has just flooded from frozen pipes. I, fortuntely, have never had to file an insurance claim ever. Do we call ins. first, or do we get estimates caused by the damage or do we just start repairing? What role [...]

ushi o asked: This is my permanent residence but only live there 4-6 weeks out of the yearJustine

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studebakerwilson asked: What major home owners insurance companies are there in the USA? (namely Chicago, IL). I am a first time buyer and dont know where I should go or how much I should be paying…Erline Miyoshi

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The General asked: Mine is 5%, which means, worse case scenario (storm blows my roof off and rains in my house or blows the whole house down) I could be paying around $22,500 out of pocket for contents and structure. I think this might be too much but was just wondering what everyone else [...]