Insurance FAQ
 

How Would Your Homeowners Insurance Agency Know What Breed Of Dog You Have?

Question by disboi | Posted in Insurance

Other than asking you, how would your homeowners insurance agency know the breed of your dog. I have been thinking about adopting a pit/pit mix but I am worried because my homeowners insurance does not cover certain breeds. So how do they know if you have one of those breeds? Particularly if its a pit mix? Does that count as a restricted breed? Do they check your home? Ask for papers on the dog?

Answer: They don't ask, but there is a good chance they will find out anyway. My aunt has a trampoline in her back yard, which is prohibited, but she figured no one would ever know. It went unnoticed until some teenager tried to dial a number on his cell and hit the front of her house. Her insurance company (along with his) came out to inspect the damage and saw the trampoline.

They also find out when the dog attacks someone in the neighborhood or gets loose and chases the mailman and a complaint is filed.

There are plenty of incidents that could take place that would cause the insurance company to come out.
 
 

Can You Get Money Off Your Homeowners Insurance For An Auto Accident?

Question by amy g | Posted in Insurance & Registration

I was in an accident where I didn't have insurance on my vehicle and neither did the other driver. Am I able to use my homeowners insurance to get money to pay for medical bills from the accident? My husabnd said someone at work told him about this, but I have never neard of it before.

Answer: Thank you for running into each other instead of an innocent person who is following the rules.

You stand as much chance as your homeowner paying the bills for your accident as there is that your auto insurance would cover your house burning down.

If that's not plain enough, NO.

Which ever of you was at fault in the accident owes the other for all damages.


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How Can I Find Out If My Neighbor Has Homeowners Insurance And What Company It Is With?

Question by gatlinburgluvr | Posted in Insurance

I am trying to file a dog bite claim against my neighbors insurance, but I do not think he is responding truthfully about his insurance policy. He denies having insurance that has personal liability. He sent a copy of his mortgage protection coverage to our lawyer and claims that is the only coverage he has. He still has a mortgage, so he must have homeowners. How can we force it out of him? He has not provided proof of insurance or lack of from the time of the injury. If he truly does not have insurance,

Answer: You're probably going to have to sue him. Then he has a choice--defend the suit himself or report your claim to his insurance company. I don't believe his mortgage company would allow him to carry a mortgage without a liability policy, but he evidently thinks that if he stonewalls, you'll just go away. That's what litigation is for, and he will learn that this was a situation where he should have made the report up front.


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When Is The Appropriate Time To Buy Homeowners Insurance?

Question by C W | Posted in Insurance

I made a contract for the house one week ago.Now I am waiting for the reply from the seller about the home inspection results. Because the settlement date is in the middle of april, I want to buy homeowner's insurance as fast as possible. But if the seller nulls the contract (because of the home inspection contingency), or if the mortgage application does not go through, I will waste my money by buying the homeowners insurance so fast. What timing should I buy the insurance? Thanks in advance.

Answer: No problem.
Insurance companies do this all the time.
You call them. You tell them you are in the process of home buying.
You tell them the expected closing date.
They will insure that house starting on that date.
If closing starts getting delayed, just re-contact the insurance company.
If the contact gets nulled- you pay nothing.
They deal with this day in and day out.
Give your car insurance company a call (some also do home insurance) and you get a discount by combining.
I've done this 30 days in advance. Again, its common practice.


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How Much Is The Average Homeowners Insurance Policy Cost In Port St. Lucie Florida?

Question by Tina Mcphie | Posted in Other - US Local Businesses

My family is considering moving to Port St. Lucie but I am concerned about how much the homeowners insurance is.

Answer: The easiest way to know that is by getting quotes, its free and you can do it online.


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Who is the insured on a homeowners insurance policy if the insured ...

by Hanep

the executor of the estate is an insured, while the estate is being settled, along with the estate of the deceased. We did not talk about her homeowners insurance. The question is, typically, does coverage cease when the insured passes away. About a month before she died, my Aunt transferred her house into my name using a quit claim deed. When the premium bill came, I promptly paid it. About a month later, the company sent a letter asking if anyone was living in the house. Or does it automatically transfer when the house changes ownership. The house is vacant. The house is free and clear by the way. After she died, I could not find any information on who her agent was or who the company was....

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