Where can I get homeowners insurance quote anonomously without disclosing SSN, birthday, current ins. co.?

Posted in Insurance | Thursday 19 April 2012 11:34 am

Query by homedocny: Exactly where can I get property owners insurance quote anonomously without disclosing SSN, birthday, present ins. co.?
I’ve been a victim of ID theft prior to and dont trust brokers, agents and online websites with these specifics they genuinely dont require to give me a quote.

Best answer:

Answer by heart_and_troll
Over the phone you can probably – but not often – get quoted for such a point. They might ask, but you can say no and see if they’ll still give you a ballpark quote. To get exact, they might require some of the other info at some point.

Know far better? Leave your own answer in the comments!

Makaha, Oahu (96768) Homeowners’ insurance average?

Posted in Insurance | Saturday 7 April 2012 12:24 am

Question by mothercary: Makaha, Oahu (96768) Homeowners’ insurance average?
Hallo! I’m trying to find out what the average homeowners’ insurance is in Makaha for a $ 200,000 condo (built 1967) without going through the whole online quote process. I’m not planning on buying this property soon; I’m thinking in about 3 years I might invest in something like this. I’m just looking for a rough, ball park figure or a percent of property value. Thanks!
car253: thank you for the condo insight!

flower: I’m actually trying to avoid making contact with anybody who will bombard me with junk mail, call me at all hours, etc. when I’m not actually interested in buying for 3 years – hence asking on yahoo answers.

Best answer:

Answer by car253
A condounitowner policy is what you need. It is different from a homeowners policy.

In a condo usually there is a Condo Associaton policy that covers the building and the common areas. Taking a condo unitowner policy covers your personal property, your inside walls and floors and liability and a few other things. It does not cost that much.

Call the insurance agent that covers your auto insurance first to see if they also write a condo unitowner policy because you would get discounts on both policies for being in the same company.

Add your own answer in the comments!

Homeowners Insurance cost in Florida?

Posted in Insurance | Thursday 1 March 2012 4:24 am

Question by Michelle P: Homeowners Insurance cost in Florida?
My husband and I just got an acceptance for a house we put an offer on. The house is in Orange County Florida, 82810 and has 2 beds 1 bath and 1005 sq ft. It was made in 1940, updated plumbing and electrical in 1989, House (not the land) was appraised at 55,000 in 2007, but i’m sure this has gone down in this economic weather. No pool, no garage tell me if you need more info to help me out on how much you think it could cost.

I can’t seem to find anywhere online for quotes for home owners insurance, just numbers to call and we need to find someone by Monday morning. I’m going to call in the morning but i don’t know how much time I’m going to have before we go into the Real Estate office. My questions are:
Do you know of online homeowners insurances in Florida that have an online quote system?
How much do you think insurance for a year would cost on a house this size?
What homeowners insurances generally have the lowest rates?

Thank you so much for your help!!!

Best answer:

Answer by mbrcatz
OK, insurance isn’t based on the appraised (market value) of the house. It’s based on the cost to REBUILD it.

It’s going to be really, really hard to find an online quote. Very, very few companies will write a policy in Florida. Your house is borderline old enough that most companies won’t want to write it based on age.

Your credit score is ALSO important.

Online quoting systems are only for agents. You will need to see a real live agent, to actually get a real live quote.

Replacement cost for your house is PROBABLY going to run around $ 150,000 to $ 175,000. You will have to buy your wind and flood coverage, seperately. If I had to pull a number out of the air, I think the homeowners, wind, and flood policies will probably cost you around $ 4,000 a year. But maybe more.

In Florida, it’s not about who has the lowest rates. There are, maybe TWO insurance companies that I know of, writing homeowners in Florida, that are rated by AM Best. There are a bunch more new ones, that aren’t rated – and don’t have much track record.

If you can find an agent who can GET you more than one quote, you’re doing better than most. In Florida, it’s about who is WILLING to write you. Citizens, the state fund, writes MOST of it. Anyone else who gives you a quote, you probably haven’t even heard of them.

So find a local agent, and get your quotes – and be prepared for the sticker shock on the insurance.

Give your answer to this question below!

What is “loss of use” in a homeowner’s insurance quote?

Posted in Insurance | Tuesday 28 February 2012 1:30 pm

Question by Lojo: What is “loss of use” in a homeowner’s insurance quote?

Very best answer:

Answer by Suzy
It implies that the insurance coverage will pay for temporary housing if you shed the use of your home. For instance, if your home catches fire and you have to move out even though repairs are made, they will pay for a temporary place.

What do you think? Answer beneath!

Is there anywhere to get a homeowners insurance quote online?

Posted in Insurance | Friday 29 April 2011 4:32 pm

Question by Tom V: Is there anywhere to get a homeowners insurance quote on the internet?
I have tried, but each internet site I’ve gone to just asks for my information and then has a person call me. Incessantly.

Best answer:

Answer by mbrcatz
Right. The POINT of those internet sites, is to harvest your personal details to sell to agents – hundreds of agents – as leads.

You need to just call a couple of neighborhood agents near you, to get those quotes. You won’t get a valid quote on the internet, anyway, unless you’re going DIRECTLY to the insurance company’s site – like Progressive or Amica.

What do you think? Answer below!

What is the best way to go about getting homeowners insurance quotes?

Posted in Insurance | Wednesday 27 April 2011 5:24 am

Question by JL: What is the very best way to go about finding homeowners insurance quotes?
I want to shop wisely with out wasting a lot of time and dinging my credit any suggestions

Finest answer:

Answer by Victoria J
Shop on line and know the estimated value of your issues.

Know far better? Leave your own answer in the comments!

The HomeOwners Association Survival Guide

Posted in Insurance | Monday 25 April 2011 12:07 am

The HomeOwners Association Survival Guide
A detailed data manual that gives step by step directions how to fight HomeOwners Association Legal problems. Take Charge and Stand up for your rights!
The HomeOwners Association Survival Guide

The Claim Game: A Homeowner’s Guide to Avoiding an Insurance Catastrophe

Posted in Insurance | Sunday 24 April 2011 4:28 pm

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Related Homeowner Insurance Merchandise

Guaranteed Foreclosure Solutions

Posted in Loan | Wednesday 26 November 2008 6:43 am

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