Home Insurance-Home Owners Insurance

Nicole M asked:


what does someone pay for homeowners insurance per year in just an average house. Please just give me numbers, or what you think it would be.

Jacquelyne Sevillano

Rob asked:


I plan on calling the insurance company tomorrow, but before I do, I thought I’d ask here first, just out of curiosity, to see if this is generally a covered expense or not (and if it isn’t normally covered, if there are ever exceptions to allow something like this.)

A bad thunderstrom blew through, and following this a leak y wet spot developed the ceilings in one of the rooms. Not bad, but definitely coming through the roof, and definitely something that needs to be repaired.

Should I expect homeowners to cover something like this?

thanks.

Denny Benchoff

amy g asked:


I was in an accident where I didn’t have insurance on my vehicle and neither did the other driver. Am I able to use my homeowners insurance to get money to pay for medical bills from the accident? My husabnd said someone at work told him about this, but I have never neard of it before.

Jonathan

onebigfool asked:


If I buy supplemental homeowners insurance will it cover my $1000 deductible I have to pay now? Say I have $3000 worth of damage. My current insurance only pays $2000 because I owe the $1000 per claim. But if I had another homeownwers policy couldn’t I file a claim with them too?

Nilda Laday

Annie F asked:


Roughly, how much does Homeowners insurance cost a year for a 2 Bed/1.5 Bath condo in Gainesville, FL?

Jerald Pembrook

nice pants asked:


I live in Michigan and have Pioneer State Mutual homeowners insurance. During a recent storm, a large tree in our backyard fell straight across our single story ranch style house, coming to rest with the tree top in our front yard. The tree damaged the roof in the front and back. The damage on the rear of the house is much more significant than in the front. We cannot find shingles to match the ones up there now, so the insurance company agreed to re-shingle the back half of the roof(not including attatched garage) and feel repairing the front half of the house with shingles removed from the rear is acceptable since you can’t look at both sides of the house at the same time. The new(dimensional) and the old shingles(3 tab) look nothing alike. Every bone in my body tells me this is not right. Today we have asked them to put in writing why they will not redo the entire roof. We plan on filing a complaint with Michigans OFIS.
Thanks for your replies. I am aware the dimensional shingles cost more than the 3-tab, however I’m told they actually install much faster than the 3-tab so we will end up saving on the labor end of things, enough to where it might actually cost less if not the same.
The shingles that are on the roof now are between 10 and 15 years old. They were in great shape and I would say they had another 10 years left in them. At this point we are gonna shell out the extra dough to do the entire roof. It just seems pretty rotten they don’t care what our house looks like as long as it functional. I’m not trying to benefit or profit from this, I just want to be where we were at before the tree fell… with a roof thats the same on both sides. This is the first time I’ve had to deal with anything like this and I’m very grateful for every reply. You’ve all helped out a bunch in this stressful time and I wish you all the best.

Weldon Reppell

Lo asked:


I have jewelery stolen and want to file with my homeowners insurance but do i have to file a police report for my insurance to cover

Warren Richmeier

Mr. LOL asked:


I tried to eliminate a large hornet’s nest on my porch by pouring gasoline on it and torching it.

It was successful in both eliminating the nest and my entire house!

Will most homeowners insurance pay for stupid mistakes like this?

Mervin Quillian

ms_eanlaith asked:


I’m just starting to look at purchasing my first home and need to understand even a basic range of cost for yearly homeowners insurance for budgeting purposes.
Without having a specific property in mind to request a rate for, is there any place I can see average or median homeowners insurance rates?

I’m looking at homes in good condition for under $375,000 purchase price.

Courtney Tram

asked:


I currently work for an insurance agency and I sell homeowners insurance. I am considering getting a cell phone to answer calls after 5:00pm and on weekends. I am not sure how lucrative this would be. Do people primarily look for insurance during the week or do they seek convenience on nights and weekends?

Ellis Mobilia