Home Insurance-Home Owners Insurance

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

Nunitak asked:


E.g., big discount for homes like these: see http://360.yahoo.com/ki_te_moana (in hurricane areas also). Would not this mitigate costs of disaster relief and save lives? Lower insurance costs?

Burt Mccarn

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? Thanks

Cletus Duty

paula r asked:


I am thinking about switching to another home insurance company. This company not only charges the annual fee, but every time we ask for a technician, we have to pay $45. This insurance was left from the previous owner. Being a first time buyer, we didn’t know better so we just took whatever the previous owner had already setup. I was looking at the things that it covers and found that some of the things we don’t even have. Like the ceiling fans. We don’t have ceiling fans. How do I find good home insurance? Also, I wanted to have a home inspector to come inspect the house even though we already lived in it for a few years. I want to know what’s needs to be fixed and if there are new problems. Is it dumb to do that? Does anyone know an honest inpsector or contractor in LA? I have had so many bad experience and needs some good referrals. thanks

Craig Ricco

doahw asked:


We are willing to have the electrics updated within the first few weeks of ownership.

Leonel Ullrich

lizzy1000 asked:


My support beam cracked and a structural engineer has decided that the beam was inadequate to support the weight of the tile roof. It is unknown if the tile roof is original (40 years old) or if it has been replaced sometime in the past (no permit was on file). Is this something that is covered by typical homeowners insurance policies?

Monty Dunavant

MEG asked:


i have an existing retaining wall that needs to be updated, but do not have the $10,000 required to rebuild it. i was hoping home owners insurance would pay some

Mikki Rogal

ReggieT asked:


Recent tornado winds and heavy rains have damaged my shingles and caused water to leak through to one bedroom ceiling!

I’ve heard much about how they do their best to keep from paying you for damage! I just want to know my rights. Farmers Insurance is my coverage. Thanks

Teddy Eget

Lucia Maria asked:


I burnt my island counter top with a pan. Will home-owner’s insurance pay to replace all of the counter tops in my kitchen or only the island? I would like to have a different color, but of course I couldn’t if they will only replace the one part. If that is the case, then it might not make sense to file a claim.

Jon Marmas

Julie G asked:


Does Flashings on the house covered by Homeowner’s Insurance. I have the whole flashing gone on my house. Is it part of water damage or seperate from the Water damage, Do I need to hire some one to do reinstall the flashing out of my pocket?

Rebbeca Mead