homeowners insurance

How do I use a “how much home can I afford?” calculator?

Question by ralph w: How do I use a “how much home can I afford?” calculator?
I’ve been playing with online house affordability calculators like this one:

http://finance.yahoo.com/calculator/real-estate/hom01

Why do these calculators ask you to enter “Estimated annual property taxes” and “Estimated annual homeowner’s insurance?”

Isn’t your annual property tax going to be BASED ON how much home I can afford? How am I supposed to know the amount of the taxes when I don’t know the value of the property? Isn’t this putting the cart before the horse? This would make a little more sense to me if they asked for a percentage.

Ditto, for the insurance. Isn’t insurance also based upon the value to be insured?

I’m probably misunderstanding these terms, but these calculators usually have really lousy instructions.

Thanks!

Best answer:

Answer by glenn
It is a kind of catch 22, you are right.

But in my area the property taxes are going to be about 2.8% or the purchase price per year. In an area just 20 miles away it might be 2.0% or 3.5%. The city, school and county all sit their own rates. I don’t know how your area is. The insurance depends not only on how valuable the house is but how good your credit is and how large a deductible you can stand and a whole host of other variables.

I think these sites are trying their best to warn you that these costs might make up a quarter of your house payment or even more and you need to think about them when you are looking at houses.

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Is hail damage covered on my homeowners insurance?

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How To Get The Most Out Of A Homeowners Insurance Agent

Article by InsuranceAgents.com

If you are about to purchase a home, you will need two things:

• A homeowners insurance policy• A homeowners insurance agent

When looking at Homeowners insurance quotes from various agents, make sure the agents are trustworthy, dependable and make you feel at ease. They will be held accountable for your insurance coverage and homeowner liability, and they will stand up for you when you file a claim. However, it is hard finding the right insurance agent for the job. Here are some ways to find a great homeowners insurance agent:Compare homeowners insurance agents, before you do business with themIf you want to save money, you should shop around first. Shopping around will allow you to compare different homeowners insurance agents who will give you a variety of affordable insurance quotes. Insurance agents know that there is competition, and in order to win, they must work harder than their opponent to give you:• Good customer service• Professionalism• Low insurance rates

Ask for recommendations

Besides family and friends, the real estate agent who helped you find your home is a good source to ask for homeowners insurance agent referrals. Many times, real estate agents and homeowners insurance agents work together. Thus, real estate agents would know the best insurance for you, because they know your personality and financial budget.

Ask around for discounts

As you interview homeowners insurance agents, be sure to question them about possible discounts. This will help you see which insurance agent are for your best interests, as well as save you a significant amount of money. One common discount to ask about is security alarms for your home.

Ask specific questions

Education and experience is important in a homeowners insurance agent. You should not consider paying a novice to take care of your property, assets and finances. To get an experienced homeowners insurance agent, you should ask specific questions about:

• Their background• Their education• How long they were a homeowners insurance agent• How the age of your house affects your premium• How much of your personal assets are covered• What riders are available and how they will affect your premium

Make sure you are talking to a licensed insurance agent

When talking about homeowners insurance to an insurance agent, make sure that they are a licensed professional. You should always ask for proof of their license to avoid being scammed. Your state’s insurance department will tell you if your insurance agent is licensed in the state.

Most importantly, request insurance quotes to make sure that you are getting excellent rates. Go to InsuranceAgents.com’s website and fill out a free insurance rate form with no-obligation.

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Get insurance quotes and compare rates from local insurance agents. InsuranceAgents.com makes it easy for consumers and insurance agents to access auto, life, home, health insurance information and resources.

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i have a HUGE collection of hummels’ – many questions, can anyone help?

Question by mscarlybobarlysmom: i have a HUGE collection of hummels’ – many questions, can anyone help?
#1 – how would i even start to find an appraiser?
#2 – is it worth holding on to or letting go?
#3 – is ebay the best source to sell, sell, sell?
#4 – i insured them under “homeowners insurance” as “useable goods”, just in case from being displayed in a case, but don’t even know the full worth –

Put it this way, I have hummels’ as far back that I can tell from 1936 up to the late 70′s, My grandmother passed away over 10 years ago and left them to me, I keep them safe, but have never done anything to expand them or have them looked at – I live in Connecticut and roughly have over 200 pieces. I’m now cleaning out my parents basement and more keep popping up along with fenton glass from the 60′s and even an orphan annie ovaltine mug I found on ebay starting bid @ $ 40 this morning and has already gone up to $ 85. Should I bring an antique dealer into the mess of things or will I get scammed? I’d love to keep some items, that have memories, but CASH IS KING!any ideas on where to start

Best answer:

Answer by cindyhemp72
Do it yourself on Ebay. An auctioneer will rob you blind on the profits. They will usually take 30% or more of the sale price. With Ebay, you have a worldwide audience. You have a small Gold mine there, the Fenton AND Hummels will fetch a good price.

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