Hi all. Mrs. Hall and Oates and I are home buying noobs and are a bit confused about how much we should insure the house for, and what our deductible should be. Hope us pleaes? [more inside]
Is Safeco legit? Also, homeowners insurance unsolicited advice welcome. [more inside]
A developer structurally damaged my house and after lengthy attempts to get him to fix it I contacted my homeowner's insurance company (allstate, if it's relevant) . They are willing to cover it. An engineer and contractor came out with the insurance company adjuster and I recently got the engineer's report and the contractors estimate. Now what? [more inside]
Tree roots have grown into the main water line that runs from the meter to my house and the whole thing has to be dug up and replaced. (Merry Christmas to me!) It occurred to me while talking with plumbers yesterday that my homeowner's insurance might cover something like this. However, I read the policy packet and am not seeing any details about what my insurance does and doesn't cover. [more inside]
My friend's wife pushed me from their deck into their in-ground pool on Sunday at a party. Now my knee is damaged. I could barely walk back to my car; saw a doctor tuesday; complete tear of the ACL + more (evil triad if that means anything to you.) I'm married, have a 21 month old and work for myself (I make money when I'm mostly on the road, although I do some writing/consulting from home.) Minimum I'm off my feet for a month....yes, I'm consulting lawyers, but I'd like to keep the friendship, if possible. Help! [more inside]
During a windstorm, a tree fell on our detached garage last night and destroyed it (no cars were in it, but the roof is completely caved in and the walls are buckling). We live adjacent to a public high school, and the tree was/is on the school's property, not ours. I filed a claim with our homeowners insurance already and asked if I should call the town directly or if the insurance folks should do it. The call center person I spoke to recommended that I wait. The claims adjuster is supposed to call "before tomorrow evening." I'm feeling antsy. Should I just go ahead and call the town? Would I be letting myself in for any potential foul-ups in reimbursement (either from insurance or from the town)?
I need to get homeowner's insurance for a property around Concord, NH. Can someone recommend an independent insurance agent in this area?
I had a roofer give me an estimate. He would like to make a hail damage claim against my homeowner's insurance. I didn't know that we had had a hailstorm this year... [more inside]
Applying for homeowner's insurance (with Geico in NY state), I was given a quote of $1761. At that point, they took my social security number, and came back and told me the premium would be $200 higher. They would not account for the difference....it was "take it or leave it". And I have a nearly perfect credit rating. Thoughts?
My parents had a house fire recently, and their insurance cut them a significant check to replace their belongings and rebuild the house. However, my deceased grandfather's name was on their policy, he had helped them buy it nearly twenty years ago, and the banks in town won't cash it without his signature. How is this even possible? [more inside]
Is filing too many claims always a death knell for your insurance? [more inside]
How detailed does my home inventory need to be for insurance purposes? [more inside]
Dangit, some one came and took my tv! [more inside]
Homeowner insurance through Farmer's Insurance Group -- is this a Very Bad Idea? [more inside]
At what dollar amount do I draw the line for making a homeowners insurance claim? [more inside]
My wife and I are closing on a house in a week or so. The house is in the 120,000 range. Today, I started my search for homeowners insurance. My first quote from state farm was 1,500 a year. This is our first house, so we're in the dark. [MI] [more inside]
Following up on yesterday's "I was robbed" question, I now ask a question about homeowner's insurance, claims, etc - please come inside. [more inside]