Comments on: Why Do I Need Personal Insurance?

By: jual madusal

jual madusal — Wed, 02 Dec 2009 09:40:00 +0000

sometimes the local chamber of commerce will back a group plan, or there may be an Association of B&B people who back a group plan.

By: Sarah S

Sarah S — Sat, 31 Oct 2009 17:38:30 +0000

Yes, insurance follows cars, but it's pretty obvious your 'friend' does NOT want to loan you his car, and is using insurance as an excuse. If yours is in the shop, ask about a loaner. If they don't have one, go rent one.

By: Obama Hood - Spread the Wealth

Obama Hood - Spread the Wealth — Sat, 31 Oct 2009 12:07:16 +0000

Maybe integrity has some thing to do with it.

I didn't grow up in a household where you were dependent on others to provide for you.
If I was hungry, I fixed myself something to eat.
If my clothes were dirty, I washed them.
When I got a car, by law I had to have insurance.

People that feel it's the government's responsibility to change their diaper need to grow up and stop acting like someone owes them something.

By: ReallyReallyConfused

ReallyReallyConfused — Sat, 31 Oct 2009 01:10:56 +0000

Typically, when a property transfers ownership and a mortgage is put in place, there are two types of policies issued.
1. Mortgagee Policy (covers the lender's mortgage and insures that it is the first, best lien on the property)
2. Owner's Policy (covers the new owner's interest in the property)

Think of it this way. You carry insurance on your car, in case there is an accident. The insurance pays for damages that may occur to your car in the future.

You (hopefully) will carry homeowner's insurance, which will pay for damages to your house in case of a fire, etc in the future.

Your Owner's Policy of Title Insurance protects you against things that may have happened in the past. You pay a one-time fee that is collected at closing, that insures that no one else holds any interest in your new property (except for the lender on your new mortgage). It is your proof that the chain of title was clear up until the date and time that you deed filed, and no one can claim that they are "owed" something from your home.

Examples:
1. A previous owner died, and one of the heirs did not get their portion of the proceeds from the sale of the property.

2. A previous owner divorced and their spouse did not get their half of the proceeds from the sale of the property.

3. A lien was filed against a prior owner that was never paid off and released.

If, in the future, you decide to refinance or sell the property, a new title search may be done. Chances are that a different examiner will do the search. If they come across something that shows a problem with your title prior to the date/time your deed filed, the owner's policy protects you against that claim. You can file a claim against the underwriter who issues the owner's policy for payment of any losses incurred.

Get an owner's policy, and keep it with your important documents.

By: joechefsd@yahoo.com l

joechefsd@yahoo.com l — Fri, 30 Oct 2009 17:46:19 +0000

Well, $700 is the cheapest way to go.

If you go to an independent agent, he'll put you out to market, and I'd be shocked if you found ANYTHING for under $1500.

By: too_hot4words

too_hot4words — Fri, 30 Oct 2009 17:07:46 +0000

No. This is an administrative/clerical level. The insurance organizations usually will not provide you with malpractice or liability insurance to an administrative/clerical position. The areas that they suggest that you have liability insurance for are health care practitioners such as doctors, nurses, physiotherapists, massage therapists, acupuncturists, chiropractors etc.

I hope that this helps you!

By: +No longer a Yahoo answerer+

+No longer a Yahoo answerer+ — Fri, 30 Oct 2009 14:33:08 +0000

First of all that is my favorite place on earth. I need to go check out Winn's new resort. Anyway. the following site has a fantastic free comparison quote feature wher you can see side by side quotes from the leading insurance companies. Then you can compare coverages and rates and make an informed decision. Good luck with your business

By: nyctrainer211

nyctrainer211 — Fri, 30 Oct 2009 13:32:04 +0000

autoinsurance.undonet.com – try this one. I have their car insurance and, as I know, they can provide such a service.

By: almeta

almeta — Fri, 30 Oct 2009 13:23:03 +0000

Try this site, if you want to find the best or the cheapest medical insurance just in one minute,

http://cheap-health-insurance-usa.info/

Here you can get free quotes from different companies in your area, its the best way to find an affordable medicable insurance with a reliable company.

Hope this help,

By: amazed we've survived this l

amazed we've survived this l — Fri, 30 Oct 2009 01:40:44 +0000

Lol. Some cons are so rude and self-centered. We know where they're going when they die!

Anyway, I'm a lib, but I just had to say something about these people on here thinking that it's always a person's choice to become sick or get cancer. Haha let's see what happens to them one day, as it does to millions who do what they can to be healthy.

I sure hope they can take care of themselves entirely without help if/when they get cancer from our poisonous environment and food supply and can't work to afford their $500k medical bills. What then?