Homeowners insurance - how much coverage?

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Homeowners insurance - how much coverage? Can somebody with knowledge about insurance tell me how much insurance I should get on my homeowners insurance? My home recently appraised at approx. $230,000, I owe approx. $170,000 on my mortgage, and the cost to rebuild is approx. $175,000. My home is a townhouse, so rebuilding is not entirely up to me (if the neighbors don't rebuild, I guess I can't rebuild either since I'm inbetween two other units). My concern is that I'm out of my $60,000 equity if I insure for $175,000 rebuilding cost as is recommended, but then it turns out that rebuilding is not an option. Related

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"Got into a small accident with my mothers car. She has insurance I dont, what will happen?" I was driving my mother's car, was in a small accident. I rear ended a car in front of me at a stop sign. Completely my fault. There was no damage to both cars but the driver called an ambulance due to neck pain. A police report was made. What will happen next? She has full insurance for the car with Geico. Will the insurance rate go up? Will I have to pay any fines? Will I get into trouble for driving her car with no insurance? My mother wasnt feeling well I was using her car to run errands. Thanks!" Looking into farm bureau insurance in louisiana need help? Farm Bureau is the cheapest insurance I can afford here but do I have to be a member to get auto insurance through them? I am only 19 will they insure someone my age? Auto Insurance Questions? In the household there are 3 cars, but 18 driver is only listed under 1 car,(mom) If the other 2 cars are on the same house (but different names auto insurance) he can drive those car with no insurance coverage problem right?" How do you get health insurance? I'm try'na get emancipated from my parents, and they said I medical/health insurance. No ******** answers." "Car insurance estimate, please help?" i want to get my license but im not sure how much the car insurance is going to be. i live in boca raton which is in florida, im a 17 year old boy, and i have higher than a 3.0 gpa... if i were added to my parents insurance do you have any idea or estimate on how much i would be paying a month" How much would insurance be for a 2008 Honda CBR 125cc? I'm only a 16 year old, 5'3 115 pound girl... I've got my g1, my driving course and I'm more than willing to take the motorcycle course. I'm looking at buying a 2008 Honda CBR 125cc. I'm wondering ON AVERAGE what I'll be paying for insurance? Thanks in advance! Oh and I'm in Sudbury, Ontario. I'll only be doing about 20-30km a day, if that makes a difference" How much will my car insurance be? i just bought a car, an 02' Ford Focus with 62,000 miles for $3,200 and i put $2000 down. Im 20 and am a first time driver and this is my first car, started late, i know,lol. I have NO credit history, but i have a fulltime job. Im not trying to spend a ton of money a month on insurance, i have enough bills and am already struggling to keep up with them. Whats the best insurance i can get thats the cheapest and how much will it approximately be? thank you :-)"


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HomeOwners Insurance? Roughly, how much does Homeowners insurance cost a year for a 2 Bed/1.5 Bath condo in Gainesville, FL?" Can you give me an estimate of how much car insurance would be.......? lets say a guy under 30 in california with a 2002 BMW 325i sedan how much would insurance be? Insurance agent won't write the homeowner's coverage she wants? My fiance owns an old home in northern Ohio and was paying over $1,300 a year for homeowner's insurance until last year. She can't afford over $100 a month in premiums so I looked into trying to get a lower rate. All three agents that I contacted about the matter assumed a replacement cost for her house of around $157,000 which resulted in premiums of exactly what she had last year. The very idea of insuring her house for $157,000 is absurd for two reasons. The first is that I personally built a house in an upscale neighborhood which was almost three times as large and also had an attached garage. I sold that home for around $150,000 and made about $40,000 profit. The second reason that $157,000 is absurd is that any day of the week you can buy a much better house in the neighborhood for less than $60,000. I was able to find a lower rate of around $600 a year through the Ohio Fair Plan website by assuming a realistic replacement cost of $60,000 and not including such things as jewelry coverage (she has no valuable jewelry), and other coverages that don't make sense. Unfortunately, and after contacting several insurance agencies, not a one will write the coverage as specified. The gave me the flimsiest of excuses. It appears to me as if all the insurance companies doing business in our area may have colluded to lock in homeowner insurance rates far higher than is justified. I hope someone out there can tell me if there are laws that require some insurance company to issue a policy as specified by Ohio Fair Plan. Thanks in advance..." Whats the cheapest motorbike insurance i can get on a 125cc bike? i am 17 years old and i want to buy my first bike. could someone please tell me a good cheap 125cc sports bike that i can get cheap insurance on ive looked on some websites but the lowest i seen was about 2000 and it went up to about 9000 and also were i can buy cheap bikes from. Health Insurance Premiums? Does any single person pay their own health insurance premiums - what company and how much do you pay ? Does it include doctor visits and hospital stay ? What are the requirements to become a licensed insurance agent in Texas? I have applied at GEICO and I want to know what the state of Texas requires, besides taking the exam, to become a licensed insurance agent." Is there anyone that has Mercury Car Insurance? I am wondering if they are any good? Please help!?


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One year ago my wife was taking our daughter to pre-school turning left out the end of our road in to traffic, this road has a speed limit of 35 mph. Traffic had to stop to let her cross the first lane since it was solid cars, vans and small trucks. As she approached half-way, before getting a good view of oncoming traffic, another car took off the front bumper. Note that the center line is interuppted at the cross-junction. The bumper was torn from the front of the car with damage more evident on the non-impact side of the car than where initially hit, hence my wife had not initiated a turn, just edging forward to see. The radiator was in-tact, but damaged, still mounted to the front of the car. I walked to the site with our other child and took my daughter home; she is fine and I took her to school but still talks of the incident today. My wife stayed at the incident, and was fine (no later issues) keeping real calm and cooperating with police. It took about 2 hrs with police debating which town the incident took place (middle of the road is the divide) and the other driver was concerned about getting home to take a pot off the stove, but seemed medically fine. The driver asked me and the police to drive them home to get the pot off the stove and used my wifes cell phone more than once. They also wanted to drive their car home and leave the scene with a flat tire at one point I presume to attend to the pot. No tickets were issued, no air bags deployed. The other car had a flat front left tire and side damage so the drivers door was stuck shut. Both cars were old, so written off. Over a year later we received a court summons from their attorney and we are being sued for $750,000. Our limit is $100,000 on insurance. The plaintiff is claiming herniated discs and loss of bowel control. We have a 2006 no money down mortgage, so total equity is very much in the red since our home value plummeted. I have no umbrella policy. I am sole income, but was owner of the car my wife was driving. My wife is stay-at-home mom. The remaining $650,000 would be a big problem. Interestingly, we heard that the other driver called our insurance and asked for a >100-fold lower amount of money to just go away! Our insurer recalls this very clearly and did not pay. Questions: Should I invest in an attorney to work with our insurers attorney to cover the $650K over our limit? Do we have any case given the car the other driver may have been in a rush (as all were aware of the pot on the stove), would have settled for far less, and in reported safety tests should avoid an obstacle at 55mph let alone at the speed limit of 35 mph? Their case, as I understand, is to actually prove my wife was negligent, she was just trying to see. Reality and the law are complicated I understand. Our insurer is looking in to the validity of their medical claims. I believe for spinal and neck injuries plaintiffs have to follow careful insurance approved treatment plans in NJ. I know that such a condition may not be permanent with curative surgery possible to release the nerves that may be causing the bowel issue. The plaintiff has claimed the injury as permanent, do they need to prove this? Should we ask experts? The plaintiff lives in our town and their house is on my running route every other day. I have not noted anything at all and plan to stay away from all other parties. Should I change my running route? Thanks for any advice. Our 30 day clock is ticking." What cool yet cheap car is suitable for a 17 year old boy? I was thinking a classic mini cooper maybe? they got really cheap insurance but tbh I shudder probs look at life insurance not car insurance. I saw the MG ZR and that's cheap and looks good and with airbags... what do u reckon? Does anyone know the best/cheapest uk car insurance provider after an accident? I have been driving for 17 years, have no points or bans etc and have 9+ years no claims bonus. For the past 4 years i have driven a 1990 honda prelude that i loved, it was broken into last year, and a few weeks ago got wrote off (insistent it was my fault grrr). My insurance has gone from 25 per month to 50 per month for moving house and now for exactly the same model of car they want to put it up to 96 per month, not


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I'm currently covered through my employer-sponsored healthcare insurance provided by Anthem Blue Shield/Blue Cross of California. If I decide to accept a job with another employer and a different healthcare insurance company, will my pre-existing conditions be covered? One of those conditions was surgery to remove neuroendocrine tumors." Does anyone know this car insurance joke? I heard a car insurance joke a while back it started with a lot of cussing and then at the end of it it said something like something something something I just saved money by switching my car insurance to GEICO or something like that can someone please tell me the joke if you know it? I wanna send it to a friend :) Insurance cost for new biker? Hi I would like to ask people in my group of age (24 yrs old) how much would I have to pay for insurance, just passed my CBT and I'm looking for 125cc Cruiser, didn't find anything yet, but I'm trying to calculate the costs. I've checked few insurance sites and made quotes, but still confused." How much is car insurance for a 16 year old? I live in CA orange county and have a 1999 honda. Parents have good insurance Where can I find cheap auto insurance? I have a spotless driving record and pay my premiums on time every month. I signed up for AMICA insurance a few years ago because they only cared about your driving record so my premiums were low. Two years later they decide to do a credit check on all of their customers and they saw I have a wage earner. Regardless of my spotless driving record and my dependability on making all of my premiums on time they upped my premiums substantially because of bad credit. Its not fair. When I signed up they did not do credit checks and went solely on your record. Where can I find an insurance that charges you fair premiums based on safe driving record? Insurance for Kids? I work at an insurance agency and have to give a presentation about insurance to grade school kids. Does anyone know where to find interesting info about insurance that kids would understand? Should I change Insurance carriers? Located in Ontario, Canada. Currently with The Personal Insurance Company. My friend got in an at fault accident while she was driving my car. Her husband said he would take of it on his insurance. He never did, they are now divorced and there is no way he is taking responsiblity for it. Result, my insurance went up $80.00 per month. This was five years ago. Recently, I moved to a new location and I have to park on the street, because of this my insurance will go up $30.00 a month. So now I have to pay $230/month. I have been driving and with the same company for over 25 years but they won't give me a break. Should I change companies, any suggestions? Thanks"


Best Car Insurance for a teen????????? im getting my liscence this week && im only 17. i NEED to know, whats the CHEAPEST car insurance to get in los angeles, california??" Homeowners insurance - how much coverage? Can somebody with knowledge about insurance tell me how much insurance I should get on my homeowners insurance? My home recently appraised at approx. $230,000, I owe approx. $170,000 on my mortgage, and the cost to rebuild is approx. $175,000. My home is a townhouse, so rebuilding is not entirely up to me (if the neighbors don't rebuild, I guess I can't rebuild either since I'm inbetween two other units). My concern is that I'm out of my $60,000 equity if I insure for $175,000 rebuilding cost as is recommended, but then it turns out that rebuilding is not an option. Is a 2000/2001 BMW 323ci an expensive car to insure? I know insurance costs depend on a number of factors, but, all that aside, does anyone know if this car is expensive to insure? (or any of the other higher up 3 series like the 330ci )" Can you register for car insurance as an LLC? I want to register my band as an LLC. We need to put insurance on our tour van but would like to digure out the best way to do this. Should we put our names on it? or register for insurance under an LLC? I cant find cheap car insurance HELP? im 60+ male i want to buy a car for 900 pounds but the insurance is 500+ ive not got a car yet but will be a small car not for work but for every day and only 13-1400 engine size im in the uk can you advise on cheap car insurance tanks When is the best time to cancel car insurance? Car insurance is coming up to renewal. Found a cheaper company to go with for the next year. When is the best time to cancel, before the renewal date or just after? I want to keep my NCB I have built up with them and move it over to new company for the next year, also if I cancel before the renewal date would this affect my NCB that I have built up with them?" How much will my car insurance premium change when i turn 25? I'm 24 and a car in insurance group 6 is costing me 600-700. I've heard this goes down significantly when I turn 25, is this true and how much should it go down by?" Cheap cars with a nice interior?????????? Hey im 18 and hoping to buy my first car soon (Living inthe uk) I'll probably buy a used car too I want a car thats cheap to run, cheap insurance, etc But with a nice interior :)


This cars interior is perfect! http://www.zcars.com.au/images/2009-honda-accord-euro-interior22.jpg Can you guys reccomend any?" Dental Insurance Company Denying Authorization for Covered Plan Services.? Anthem Blue Cross Dental Net I was referred to an oral surgeon by my primary care dentist since I have to have 6 teeth and 2 residual root tips extracted in advance of getting a full upper denture. All the extractions including the root tips have to be done during one visit, which necessitates the use of IV sedation. My general dentist cannot perform any of this work. Anthem Blue Cross Dental Net denied the original pre-authorization request, and subsequent appeal stating that my general dentist can perform the services being referred. Which is absolutely not the case. I even spoke with a customer service rep who indicated that the extraction of residual root tips is definitely a referable service and it clearly states that in their Dental Net Provider Contract. She has no explanation for why the appeal was denied. My primary care dentist has even provided Anthem Blue Cross Dental Net with his specific reasons for referring this work to an oral surgeon and I still can't get anyone at Anthem Blue Cross to re-evaluate the original denial and the appeal and authorize the necessary work. I have filed a complaint with the California Department of Insurance, although I don't hold out much hope for any results from that effort. HELP... what are my options? Who can I contact? Thanks" Help picking car insurance? i don't have the money for a clean title car, so i want to get a salvaged title car and i want good insurance, but cheap, for it. any suggestions would help me greatly, thanks." How much would it be to have my car repainted the factory color and remove some pretty good scratches/dents? my car was recently scraped by a post and mccdonalds and put some pretty good sracthes in my car with a good size dent and also completely ruined my running board how much do u think it would cost do have all this fixed at macco or if i claimed it as a hit and run would my insurance cover that and repaint my car or atleast half of it the side that was messed up and have ever thing else fixed How much does health insurance cost? I am from the UK and I am doing an assignment on whether medicine can be justified to have a price tag. As I have free public healthcare from the country (NHS), and I do not have private healthcare. I would like a guide as to how much health insurance would cost for a child, man, and woman with no health condtions. Please be specific and add more examples if you can." "If minors can't sign contracts, why can they get their own car insurance?" If minors can't legally sign contracts, then why can we get our own insurance policies? The policies are way higher in price, but in Virginia, where I live, you can legally have your own insurance policy and insurance, separate from your parents. They don't have to sign anything, they don't even have to know that you have the policy.


Statefarm, Progressive, Allstate, all of them do it." "No insurance, spun out on highway during severe snow storm and was hit. Who is at fault?" The section of highway I was driving on was 2 lanes wide and straight for a mile. Traffic traveling the opposite direction was separated by about 100 feet of grass. The maximum speed limit is 65mph and the minimum is 45mph. I was traveling at an estimated 45mph in the slow lane. The tail end of my car began to slide out to the right and I was unable to correct this due to the terrible conditions of the road. I spun completely around and was facing directly into traffic in the fast lane. A car traveling in the fast lane (at a rate of speed unknown to me) hit me head on, totaling both cars. Its hard to be sure, but I am estimating that the time between initial loss of control and impact was around 10 - 15 seconds. There were no injuries. I did not have insurance on my car due to being a college student and not having help from my parents. It is not legally necessary to possess insurance. Two months later, a collection agency is looking for $3,472 from me. Should I have to pay this?" Life insurance question? is there a insurance company that deals with people that has had a illness/disability that was before 18 or like started at birth? i forgot the actual word for it. Cost of Car insurance for new driver 30yr old Female? Hi am about to start lessons on learning to drive, and was wondering if anyone knows the cost it would be for car insurance for a new driver annually, car will probably be 1.4, I am female, 29/30 years old. Thanks" How much is health insurance in arizona? How much is health insurance in arizona? Can you put someone's car on your insurance so they don't have to pay a higher rate for their own coverage? I have this elderly friend whose kids and grandkids require her financial help. She feels she has to buy cars for them to drive because, according to them, they can't own cars without losing social service benefits. Then she adds these cars to her insurance policy and gives them to these people to drive. She's in a huge financial bind, and I'm worried she's going to get into legal trouble on top of her financial problems. She can't afford to insure the people driving the cars because of their driving records and credit history. Is this legal? Insuring the vehicles without insuring the drivers? I know when my kids became driving age, I was required to add them to the policy or exclude them as drivers. But these are adults in their 20s and 40s that are driving cars registered to her and insured for her." Can someone explain this driver's insurance deal to me? I don't have a license yet because I need to have proof of insurance to drive the car at the DMV. However, if my parents' cars are already registered to insurance, then I


don't need to join their insurance or something and i can just drive their car right? My dad said if i join our family's insurance, the rates will get higher. But i don't get this. I thought it was just the car that mattered for insurance." "This is the time to renewal of my auto insurance, but do not want to continue the same company.?" So I purchase a new policy from other company, but my previous insurance company sending me e-mail and mail me, that insurance gap will u cost and it might harm me financially. But as I already purchased new policy and will start as soon as previous one expire. so do I need to worry? ( is the current insurance company doing their job to aware me or they to threat me so I go back to them)" Cost of newborn delivery/childbirth(California... I'm wondering what the cost is for delivery/childbirth is in California, without taking health insurance coverage into account? Just looking for a general number, but if you want more specifics: -My area is the San Francisco Bay Area (east/south bay) -When I say childbirth, I mean: admittance into hospital/actual delivery procedure (not cesarian)/3 day hospital stay I'm shopping for health insurance, so any number that you come up with to help me budget/calculate would help me out greatly!" What is the cheapest individual health insurance plan in California? I am young and healthy and need a health insurance plan for myself. Essentially, I just need health insurance in case of a freak accident that will land me in a hospital. Any suggestions? The cheapest so far has been $51 a month. I don't care about deductibles or any of that. Just that it has the lowest monthly fee. Thanks!" How much did you pay for motorcycle insurance in Ontario just after getting your M2? I've asked a couple of brokers for quotes and the very cheapest you can go is seemingly $800 to $900 a year for a newly licensed rider, after advanced training and a govt-approved course, which seems a little steep even for Ontario. So I am asking for personal anecdotes - when YOU, yes YOU, started tooling around Ontario on your first farty little 2 stroke scooter or whatever, how much did the insurance company shaft you for, what was the bike model and what else do you think is worth mentioning? Thank you." California insurance program help!!!!!? i applied for insurance with them and they sent me back a letter saying i didnt qualify because i wasnt licensed continuously for prev 3 years.....ive been driving since i was 16 and now im 22 i had tickets prior but recently i obtained a dmv record and all of them are cleared ......but my license was suspened when i was 19-20 do you beleive this could have been why i was rejected????? Car insurance? i am currently insured and my policy expires on July 1st. I don't want my policy to renew so I called to tell them not to renew it. They said ok...and they wouldn't take out


the June 1st payment. (I pay monthly). I just bought my new policy with a different company and I want that policy to start on June 31st. I made the down payment today but my next payment with that company isn't until July 31st. Basically I'm really confused....but there is probably some logical explanation. I'm not going to have any gap in coverage but I feel like I'm getting a free month of car insurance just because I switched companies. Does anyone know cheap car insurance for ladies? Does anyone know cheap car insurance for ladies? Which is a feature of permanent insurance? Which is a feature of permanent insurance? -------------------------------------------------------------------------------- It provides protection for a specific period. It includes an investment component. It is relatively low cost. Homeowners insurance - how much coverage? Can somebody with knowledge about insurance tell me how much insurance I should get on my homeowners insurance? My home recently appraised at approx. $230,000, I owe approx. $170,000 on my mortgage, and the cost to rebuild is approx. $175,000. My home is a townhouse, so rebuilding is not entirely up to me (if the neighbors don't rebuild, I guess I can't rebuild either since I'm inbetween two other units). My concern is that I'm out of my $60,000 equity if I insure for $175,000 rebuilding cost as is recommended, but then it turns out that rebuilding is not an option.


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