Insurance for Jewelry, Guns, and other items with limited …
www.cascadiaagency.com Scheduled Personal Property is an endorsement to your Homeowners, Condominium, or Renters Insurance Policy that protects items like. read more…
Mobile Home Accessories » Blog Archive » Modular (not Manufactured …
I had no problem getting a Lender and My HomeOwners Insurance is cheaper because it is Not a Manufactured Home, Those burn up too fast and the Resale is not as great on them.. loan_wzr Says: November 18th, 2009 at 3:48 pm … In some cases these rates are similar to those offered on personal property (cars, boats) and not real property (homes). If it is a resale, make sure you can find a lender who will do preapproved financing. In other words, don’t find “the one” and … read more…
Find A Great Deal With A Car Insurance Online Quote | The Ultimate …
The quote that you receive for a quote with no personal information is just that, a quote. Once they have all of your personal information your quote can be more accurate. If you do not answer the general questions truthfully then the quote … If you own your own home you can get a discount by obtaining your home owners insurance through them as well. They will want to know if you park your vehicle on the street or in a garage at night. The crime rate is much higher on … read more…
From Google Blog Search
The benefits of joining an auto club
You may think that joining an auto club (like AAA) will give you only roadside service assistance and some discounts when booking a hotel, but there’s just a lot more to it than that. Even no… read more…
Wachovia Loan Modification – Tips On Getting It
During this historic recession, Wachovia Bank has been willing to help struggling American homeowners from losing their homes to foreclosure. Those seeking assistance with their current mortgages find… read more…
Basic Things to Know When Getting Home Insurance
Home insurance is one of the types of property insurance where what are covered are private homes. Getting your house insured is not an easy task. One should consider several things before signing tha… read more…
From GoArticles.com
Zinno Named Vice President and Head of GEICO Insurance Agency (Insurance Journal)
Insurer GEICO recently named John Zinno a vice president of the company and president of GEICO Insurance Agency, which has offices Virginia and New York. A company subsidiary, GEICO Insurance … read more…
A.M. Best Affirms Ratings of Balboa Insurance Group and Its Members, Newport E&S Insurance Company, Balboa Life … (Business Wire via Yahoo! Finance)
OLDWICK, N.J.—-A.M. Best Co. has affirmed the financial strength ratings of A and issuer credit ratings of “a” of Balboa Insurance Group and its property/casualty members, Balboa Insurance Company , Meritplan Insurance Company , Newport Insurance Company as well as BIC’s stand alone subsidiary, Newport E&S Insurance Company . read more…
GEICO names John Zinno vice president and head of GEICO Insurance Agency (Business Wire via Yahoo! Finance)
FREDERICKSBURG, Va.—-GEICO’s board of directors recently named John Zinno a vice president of the company. In his new assignment he’ll serve as president of GEICO Insurance Agency , with offices in Fredericksburg, Va., and Buffalo, N.Y. read more…
Open Question: new roof cost? layover versus not? stupid insurance rule?
I think the house roof measures to need about 23 squares.
I’m getting labor cost all over the map.
1. $2100 labor for a new roof, or $1200 for a layover since no haul off.
2. $1960 for the roofing only.
3. $150 per square and I’m not sure if that includes everything.
4. $90 a square and again that may be just labor.
and the weakest of them all……
5. What you willing to pay? computer keyboard > highlight message > hit delete key.
Here is the deal and it sucks like a NEW vacuum cleaner. The insurance company says if the house is over 10 years old (that could mean a house built in 1998), and the roof has not been re-done in the last 5 years, it has to be done now or no home owner’s insurance. Some people are saying this is Allstate Insurance having their own rules. State Farm gave me a quote and only asked if the roof had been re-done “lately”. I said “no” and that was the end of the roofing questions. The house is 27 years old, and will be sold. I can not afford a new roof.
My real estate agent said this:
The roof is a ‘required repair’ in order for the house to be insurable and a house must be insurable in order for the seller to be able to pass title on the house. If the roof is 27 years old, it needs to be replaced and the estate should pay for it in order to make the home insurable and to be able to pass title on the house. If the homeowner insurance requires it in order to insure the house, the personal reps. don’t have a leg to stand on. It has to be insurable.
Issue: there are 2 reps. and only one is getting the house. The non house rep. is fighting like an alligator because the grass cutters had to come 3 times in October and now there is a defective light fixture that would void a fire claim if related to that light and they don’t want the estate to pay for the light fixture to be installed by a licensed electrician.
So:
1. What is reasonable to pay for a roof? labor? parts? say 23 squares?
I’ve got an ad out there asking for someone to do it with me as the helper and I’ll do the haul off.
2. What % of jobs are “layovers”? advantages? disadvantages? appearance? can you see from the road that it was obviously a layover?
3. What is this BS about 10 year rule on a roof, when the shingles come with 20-30 + year warranties.
Suppose a house age 30 years or 100 years was re-roofed in 2005, then they are under the rule since it was done in the last 5 years. To require a house built and roofed in 1998 to re-roof between 2004 (Nov.) and now, seems questionable.
KenB: do you mean $250-$350 per square for parts, labor and haul off? That’s $5750 plus.
To others: I’m inheriting the house and it will be sold in a few months. If I have to pay to roof it, to get insurance then sell it, the roofing cost was down the toilet and into the pocket of the buyer. I’m selling because I need a smaller home, so I’ll be buying a used home too, and do not want any surprises like buying a house and then find out it can not be insured without a new roof.
I think it’s insurance agent or insurance company specific or the agent was just repeating ways to get higher commissions. I’m finding no one that has heard that 10 year rule. It is was built 30-50 years ago, ok but the way the rule was stated a house built in 1998 would be over 10 years old and not roofed in the last 5 years. Millions of houses out there built in 1998.
Resolved Question: Consumer credit and investing questions please help?
1. What can be the best type of safety net in hard times? (1 point)
Gambling
Mortgage
Rental property
None of the above
2. Generally, you need to live in a home ________years to break even on closing costs. (1 point)
One
Two
Three
Four
3. What is generally the most complicated financial transaction the average American will ever undertake? (1 point)
Buying a boat
Buying a car
Buying a home
None of the above
4. Real estate is considered a/an ________investment. (1 point)
Illiquid
Liquid
Sure
Partially-liquid
5. Individual mortgage interest rates are generally determined by what? (1 point)
The economy
The individual’s credit score
The property value
The state the property is located in
6. What is PMI? (1 point)
Personal mortgage issuance
Personal mortgage investment
Personal mortgage insurance
Personal mortgage interest
7. Who dictates how much insurance a homeowners must carry on their property? (1 point)
The state the property is located in
The bank that holds the mortgage
The owner
None of the above
8. Assuming you have a 30-year fixed-rate loan, you’re paying _____% interest during the first few years. (1 point)
90
80
70
60
9. Why is investing in gold beneficial? (1 point)
It is easy to mine.
It is considered a stable investment.
Gold is more expensive than stocks.
The value of gold is subject to inflation.
10. What type of insurance may a homeowner need? (1 point)
Hurricane insurance
Flood insurance
Firestorm insurance
All of the above
Resolved Question: Insurance company receivership question – subrogating claims?
If an insurance company (personal homeowners lines) is going to be in, or currently is in receivership, will they make try and subrogate against as many claims that they have paid out as they can?
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