Posts tagged "Good Luck"

How much does homeowners insurance cost in Nassau County, NY?

I’m just starting to look at purchasing my first home and need to understand even a basic range of cost for yearly homeowners insurance for budgeting purposes.
Without having a specific property in mind to request a rate for, is there any place I can see average or median homeowners insurance rates?

I’m looking at homes in good condition for under $375,000 purchase price.

I live in Nassau county (Hicksville) and pay $1,025 per year for $275,000 of building coverage as well as the liability and all the other bells and whistles. Expect to pay anywhere from $800-$1500+. Rates go by the amount of building coverage (in dollars) as well as the area of the home (square feet). The higher the value (and larger the area) the higher the premium will be. You’re credit will also be a factor. Also, brick houses are a little cheaper (not as combustible) and so are newer houses.
Good luck!

Should i get earthquake coverage on my condo insurance?

I live in St. charles missouri. I just moved here 2 years ago, and we only have tornados , i dont think this is an area for earthquakes. I just signed up for condo insurance with statefarm, and i was wondering if i should get the earthquake coverage. I dont really think i need it , since st. louis doesnt seem like a logical place for earthquakes, but hey, ive only lived here 2 years. is it worth the extra 60 bucks a year?

Not to scare you, but one of the nation’s largest earthquakes was centered in New Madrid, Missouri, in 1812. It shook buildings as far away as Boston. The chances of a major earthquake may be small, but the risks to your finances could be huge. Should your condo be badly damaged, its value will go down, meaning you will not have the equity to draw on to pay for repairs. I recommend discussing the issue with an insurance broker. A broker works with several companies and often handles several kinds of insurance. To find one in your area, log onto a site like http://www.homeownerswiz.com and complete the online form. Good luck!

Can someone explain what Condo Insurance is?

Im waiting to close on a condo in NY. The realtor says i don;t need to get homeowners insurance because the building the condo is in, has its own policy that part of my maintenece fee goes to. someone suggested still getting condo insurance. can anyone please help me out with a description of what this is?

Your condo probably has property & liability insurance that protects the association if there a fire, water damage, or if someone falls in the hallway & sues them. However, their insurance probably does not protect YOU if someone steasl your stuff or someone is injured at a party in your place. Check with the condo association on this. They will know. You probably need to get your own condo policy, which is not expensive. Good Luck.

We need help…?

We moved to USA from UK a year ago.Our plan was to find a job and good house,maybe start to study somewhere.We had enough money for everything.For 9 years my husband tried to save that money.9 years he was in Navy.Then,when we moved to here we found out he had a cancer.Means,need treatment,no time for job,no physicly energy for anything like that.I was with him in hospital and everywhere all the time.At home after chemoteraphy,everywhere.I cant find any job,coz just got here,and learn english better.We dont have any insuranse,ofcourse.We have to pay about 40 000 $ for surgeries and treatment. But these people call all the time from hospitals and remind us to pay a checks.Dont they understand that person cant work right after surgery and chemo?Not having any insuranse,any job. ANYBODY knows here any way to get a job,by looking for it online?Soon,hopefully,he will feel better and can start working.He has a good education.But we dont see anyway to find a job in USA.How people find a jobs?

let the collecters call thier is very little they can do and as long as you can pay a dollor a month thier is nothing the can do they will tell you you have to pay more but it is a lie as long as you pay something on the bill they cant do any thing as for a job thier are many sites that can help with that if you are willing to work in a factory you english doesnt matter and if you speak it as well as you can type it it is not a problem any way the first link is a job search site the second is a better one thier is also what we call day labor work or temp agencies good luck you can email me or im me any timeя не хотел сказать это в вашей коробке queston но вы соединение email не работаете поэтому я положу его на русском языке, котор стационар имеет progams, котор нужно помочь оплатить его медицинские счеты как для ваших присытствыющих проблем деньг их the will welfair также помогает вам найти работу я не знаю что положению вы в реальном маштабе времени внутри или я посмотрели бы его вверх для вас я намеревался я сказал я поможет вам всему я email чонсервной банкы я или im я в любое время мой отец, котор умерли рака long ago поэтому я знаю он стоил я помолю для вас обоих

How much is homeowners insurance in IL for townhome that’s not covered by the common insurance?

I’m planning to purchase a townhome and the assessments does include common insurance. I’ve been told it doesn’t protect any misc assets I have in my home in case a disaster occurs. I want to factor this into my monthly expense estimates. I’m looking for a purchase price at $200,000. How much should estimate for homeowners insurance? Is it a monthly and annual payment?

Thanks

You need to call an insurance company for quotes, start with your auto insurance company & go from there. There are many questions, what does the master policy cover? You would need to read the condo bylaws to find out. Does that policy cover everything attached to the unit or only to the studs? Does it cover anything that you add to or alter in the unit? So, you would purchase a condo policy (HO6 form), you would need to find out from the condo association what you actually need to cover. That would be the dwelling limit you need. Then you need to tell the insurance company how much contents coverage you want (if you had to replace everything you own), then get at least $500,000 liability, $5,000 medical payments & get $50,000 (or the company maximum) loss assessment (this covers if you are assessed for damages to common property – simplified definition – you would need to speak to an agent to explain it to you). You would also need to tell the agent the deductible you want (property coverage).
Good luck in your purchase but no one here can give you a quote.
Homeowners insurance is always an annual policy.