Comments on: Getting Personal Insurance For Homes

By: go travel

go travel — Sat, 10 Jul 2010 22:10:09 +0000

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By: Saul Gallego

Saul Gallego — Wed, 07 Apr 2010 16:25:08 +0000

The protection offered by building and contents insurance, can cover a valuable home and all of its contents against a many risks, but if you are one of the thousands of people struggling to afford the mortgage that comes with a new house your first home then there are various government initiatives to help, it is easy to find them.

By: GSFKNR

GSFKNR — Thu, 01 Oct 2009 20:17:27 +0000

The insurance policy required by a lender covers the building itself. The lender doesn't care about your personal property, but you do.
Allstate is a reputable company and you simply need to read the policy, which should itemize what is covered and how much for each item. You can add and remove some items from your policy (for example you can have coverage for your stamp collection added, or you can increase or decrease your liability coverage.)
It would be extremely unusual for a company like Allstate to offer a policy with no coverage for personal property.
If your agent says "it's still covered," ask him or her to show you where it says so in the policy, what is the amount of coverage (maybe you want to increase it, if you have very nice things.)
It MUST be itemized. I cannot believe they give you a policy which is not itemized.

By: JR4NOTAXES

JR4NOTAXES — Thu, 01 Oct 2009 15:38:57 +0000

You want to continue your insurance on your condo, but NOT as a homeowner. Since you are renting it out, NOW you need business insurance for a landlord. It's not the same as homeowners, when you reside in the property.

Meanwhile, you also want the renter to have renter's insurance to cover his own property, and ALSO to cover potential damage to other condo units caused through his negligence (Clothes washer flooding or similar.)

By: budbub

budbub — Thu, 01 Oct 2009 09:36:49 +0000

The HOA should get the master policy for the exterior and common areas. Do this so that you're each not personally liable if something goes wrong – the HOA will be liable. For example, if a part of the building falls down and kills someone, you don't want that on your personal insurance – that will likeley be excess and you'll be responsible for what the insurance doesn't cover.

By: Bloom

Bloom — Thu, 01 Oct 2009 06:35:20 +0000

Assuming each choice is lettered in successive order:
1.B
2.A
3.B
4.C
5.D
6.A
7.C
8.A
9.C
10.C

By: Shrave

Shrave — Thu, 01 Oct 2009 04:10:26 +0000

your insurance company doesn't have any phone numbers to reach you? i find that hard to beleive. call your insurance agent or company and find out if they are the ones calling you.