House Insurance Vacant

Written by Guest Author
Posted October 24, 2009 at 10:26 am

Home Insurance – An Essential for Anyone Who owns Their Own Home …
A typical home insurance policy might cover the following: – Your home, yard (including landscaping and plants), and outbuildings on the property such as a garage, garden shed or pool house. – The contents of your home and outbuildings. … read more…

Cheap Vacant House Insurance – Where to Get It
Do you have a vacant house that you need insured? Want to get cheap vacant house insurance with a top-rated company? Read on …Vacant House Insurance TipsIf. read more…

AMERICAblog News| A great nation deserves the truth: Guerrilla …
Ice skating bear kills Russian circus hand · FDA is back in business · Guerrilla singers interrupt health care insurance … I wonder if President Snowe likes her men to wear … BREAKING… TPM: White House actively trying to ki. … read more…

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How Can You Find the Second Home Loan?
The prospect of getting a second home loan sounds like a good deal if you have a long term goal in mind and if such an investment is necessary for your family. As always, you need to find the best int… read more…

Unoccupied House Insurance for Empty Property
An unoccupied property insurance policy differs substantially from that of conventional home buildings insurance in t… read more…

Picking Your Hilo Real Estate
{Buying Hilo real estate can be a hair raising experience. You’ll experience a roller coaster of emotions while finding th… read more…

From GoArticles.com

Florida’s Citizens Reconsiders, Renews House With Chinese Drywall (Insurance Journal)
Florida’s state-backed property insurer has taken a second look at a home with corrosion from defective Chinese drywall and decided to renew its homeowners’ insurance policy on the house after … read more…

Em’s expansion: Sub business will move into vacant storefront (The Tribune-Democrat)
Submarine sandwiches and fresh-baked bread will provide new life for a vacant building in downtown Johnstown. Bill Beckner, who owns the Em’s Original Sub Shop business, has purchased a building at 434 Main St. that formerly housed Eckerd drug store. read more…

Neighbors steamed by fire station closures (Evansville Courier & Press)
On Thanksgiving Day six years ago, Chris Corey was just down the street from a house he recently had bought at the corner of Oregon Street and Heidelbach Avenue in Evansville. He had finished applying the final coat of paint in the kitchen, officially transforming an old burnt-out building into a respectable home. That’s when the house caught fire again. A friend ran for help to the … read more…

Resolved Question: Did you see new lows of legislative gymastics being used 2 push Obamacare thru in ‘transparent’ administration?
First, when Kerry was running for President and was expected to leave a vacant Senate seat Kennedy had Mass legislature push through a bill so the governor (then GOP) could NOT appoint interim replacement before the state voted on a new Senator. Now that Kennedy has died, Kennedy’s letter to the current Dem governor just got a bill passed to change it again so the Dem governor CAN appoint an interim replacement Senator.

Also, per the Heritage Foundation, to get the bill out of the Senate Finance committee, they will need to pass a bill that apparently has not yet been written yet, going on a ‘summary’ with who knows what to be tucked amongst the pages. Plus 250 amendments have been proposed and how they would work together (or be nullified by bill language not yet existing) is a separate issue. Remember, this is health care for every American and 1/6 of our economy they will be voting on, unread, even in committee. Then it would go to the floor to be voted on, and in best case have last minute language, yet again.

More, since the Constitution bars ‘revenue bills’ from originating in the Senate, since the House (elected every two years) is more sensitive to tax issues on the side of the people, they would take a TARP tax bill already passed in the house, and bodily put the health insurance bill into it. This is no big deal by now since they already did it with the bailout bill, and the whole plan by the federal government to force 300 million people to buy sucky insurance they don’t want is unconstitutional in any event. I guess this is the ‘might as well be hung for a sheep as a lamb’ theory.

Then it would go to the House to be voted on with no changes, as happened with the bailout bill.

If this doesn’t work, they would try to cram it into the reconciliation process.

What do you think?

Is this the sort of ‘transparency’ you thought Obama was promising during the campaign? (Not to mention the deals with big Pharma and corporate welfare to insurance companies contained in the bill.)

What impact do you think this will have on Dem seat turnover if it DOES go through?

http://www.redstate.com/dan_perrin/2009/09/23/even-the-grizzled-senate-veterans-found-this-amazing-vaporbill/

Unka, that makes no sense. ER use goes up when it is ‘free’, check Massachusetts’ record. Personally, Mass has lost so much money on this I think they are desparate for the feds to bail them out with Obamacare.

Resolved Question: do you sell homeowners insurance for a vacant home or a landlord/tenant?
We have a vacant home as of Nov. 19th. The choices going forward are a vacant policy or a tenant policy where the estate is the landlord and the tenant is the person who will inherit the house.
There are 2 personal reps and one lives 300 miles away. The insurance agent says for the vacant policy both personal reps. will need to be present at the same time to sign the new policy. If the tenant policy is used it can be done over the phone. The rep. 300 miles away is trying to avoid a drive down just to sign the policy. They hoped the paper could faxed to their city, to an office of the very same insurance company and let them sign it. Then fax back to the other office for the local rep. to sign.
Why are they requiring the two reps. to be present to sign the vacant policy and not the vacant policy. (which can be done by phone).
Another idea was for the rep. 300 miles away to get their signature notarized and send the form to the other rep. who is local, for their signing.
Since one rep. is not inheriting the house, they are not going to go politely into the night and let the estate pay all the bills for a landlord/tenant policy. For this reason the person inheriting the house prefers the vacant policy. This is no good for the other rep. because they have to drive 600 miles round trip just to sign a form.
Questions are within the above details.
I called formost. My sister is co-rep so I have to get here to agree on everything.
The current company is Allstate.
The vacant premium for 6 months with $5000 deuctable is $1150. The tenant landlord policy is around $725. They require the tenant to have the address on their driver’s license and get mail there to say it is not vacant. Many people work out of town 5 days a week. On the landlord(estate)/tenant(beneficiary) we were going to do what the agent said needed to be done to show that it was the tenant’s primary residence. The above is about the only way they could define it. I asked if it was so many hours or days a week and they said no. The tenant would be me and I’d work in one city (12 miles away) and stay at the now vacant house the rest of the time. I doubt my sister will even consider a company she has never heard of like Formost. I think their premium was about the same.
ok, please define “living” there……….what are the requirements?

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