Please help me understand:

Out here in CA a homeowner policy does not cover earthquake damage, unless the owner opts for a veeeeeery expensive earthquake provision that has a huge (like k) deductible.

Yet in FL, LA, AL, TX and MS hurricane insurance is a covered provision — and home insurance is relatively cheap — although portions of these states are now routinely getting hammered by devastating hurricanes and it’s happening more and more frequently?

I’m curious because it’s not the local gulf-state population that pays for all the reconstruction — it’s every homeowner who carries a policy with that company no matter where in the USA they are actually located.

Technorati Tags: devastating hurricanes, earthquake damage, google, home insurance, homeowner policy, hurricane insurance, insurance, opts, provision, reconstruction, script type, state population, text javascript

For home insurance, should I give a list of items to the insurance agent

http://tolong.in/health-insurance.html

http://tolong.in/health-insurance.html

http://tolong.in/health-insurance.html

Technorati Tags: google, health insurance, home insurance, insurance, insurance agent, script type, text javascript, tolong

I am searching for new home insurance and I have two different territory numbers and protection class numbers on the quotes. Can you tell me why?

Technorati Tags: class numbers, google, home insurance, insurance, quotes, script type, text javascript

I live in California. Recently owing to some drainage problems, the water overflowed in my apartment. The apartment authorities didn’t even inform me till I found out that they did some clean up in my absence. When demanded, they say I ought to take home insurance. However I am not sure if they have the obligation to compensate me or do I need to be covered by Home insurance towards any damaged property.

Technorati Tags: absence, apartment, authorities, drainage problems, google, home insurance, insurance, obligation, script type, text javascript

Why do some people choose to separate their mortgage, property tax, & home insurance payments and pay all separately to the mortgage company, municipality, and insurance company instead of paying the lender (such as Countrywide) one escrow payment and letting them pay the bills separately? It seems easier to pay one bill instead of 3, and it is the same cost, so…?
Yeah the question is why, thanks for stating the obvious though.

Technorati Tags: amp, escrow, google, home insurance, insurance, insurance company, insurance payments, mortgage company, municipality, property tax, script type, text javascript

At what point in the process of buying a home do I need to actually buy the home insurance? I am applying for a loan at the bank, which they told me they think will be no problem to get. I already have a home insurance quote, just not sure when to buy. Is it after the loan is fully approved? This is all new to me as this is my first house. Thanks.

Technorati Tags: buying a home, first house, google, home insurance, insurance, script type, text javascript

My state has significantly lowered my home value assessment from last year which seems to be the same with my neighborhood and and probably for the most areas of the state I’m living in due to the declining real estate market. Everyone knows actual market appraisal will always be lower than government appraisal because government taxes you on inflated value of property.

Insurance companies also know that, and they should have access to changes in appraisal because that is public info.

My question if government changes your home appraisal, can that be a ground for lowering you home insurance premium for any portion of the policy period that falls within the new effective government appraisal period?
Froufrou: You are correct. Home values have been declining, but tax bills have been getting fatter each year. Government needs and relies on YOUR money to stay in business.

Technorati Tags: google, government changes, government taxes, home appraisal, home insurance, home value, home values, inflated value, insurance, insurance premium, market appraisal, money, neighborhood, policy period, property insurance companies, real estate market, script type, tax bills, text javascript, value assessment

What are the Laws regarding home owners insurance in Mississippi?
I’m seeking any laws having to do with home insurance in Mississippi. This could include laws to protect clients, laws to sell home owners insurance etc…

Technorati Tags: google, home insurance, home owners insurance, insurance, js, mississippi, script type, text javascript

yes or no ..if no ..why not..some people cant afford to pay auto insurance or home insurance..so why not …

Technorati Tags: Auto Insurance, google, home insurance, insurance, script type, text javascript

its a wooden garage door. 0. to replace it.

have met life home insurance. do that cover that?

Technorati Tags: garage door, google, home insurance, insurance, script type, text javascript, wooden garage