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How does Home Owners Insurance work after total loss?
Lets say you have a 2000sqft 3bd/2ba home that is wood frame construction stucco exterior, sheet rock interior, normal midgrade finishes and appliances. The insurance evaluates it at 250K replacement cost. It burns down accidental bla bla bla. Do I have to build an exact home or can I take the 250K and build my new home however I want as long as the build is at max the 250K or less? For example does the insurance require that I use let say a roofing contractor that charges me 15K for a metal roof or can I use a person who does roofing on the side (professional) and he only charges me 10K, etc so in the end I have a better home all around for the same 250K?"


The best insurance for a student?
I was thinking of getting home contents insurance or something- could anyone recommend me anything?


Can your health insurance drop you if you use marijuana?
Hi everyone, I want to start by saying that I am here looking for an answer to my question. Please keep your opinions of marijuana and and sermons on federal law to yourself. =] I have had stomach, bladder and pelvic problems for several years. I was recently diagnosed with interstitial cystitis and am positive I also have IBS (waiting to see dr). I live in california and have a medical marijuana license. If I didn't use it, I would be unable to work and probably addicted to vicodin and xanax. my bf thinks I should be open and tell my pcp that i use it to treat my chronic pain so that he could possibly offer other reasons for my symptoms (even though i know these symptoms have nothing to do with my use my bf ust wants to hear it for himself). the only thing i am worried about is insurance. do insurance companies kick you if they find out you use? i'm not worried about work finding out, just insurance. thanks!"


How high does insurance go up for a speeding ticket in MN?
I recently got a speeding ticket going 60 on a 45. How high does my insurance go up I'm 16 and drive a '05 300C


What is the best life insurance to get BEFORE melanoma diagnosis?
I am 99% sure I have melanoma on my leg. Have apt soon to get this confirmed and staged and start the process. I am a nurse, I know the process, and know the outcome can be one of many. I do not currently have any life insurance, never have. I have 2 small children and it is JUST me and then, no close friends, no family. Worst case scenario, if I only have a short time to live, what would be the best LIFE insurance I can get before getting this diagnosis? I would need something in which they could not cancel me if I am diagnosed with cancer within days of purchasing a premium. Today is May 11th, I should have my diagnosis by May 29th. I would like the biggest policy at the most affordable rate (I don't make as much money as you would think), but its also important that I get the fewest stipulations. By the way, I hate to admit it, but I am a smoker. I quit from 2009 to late 2010, but then started up again when I started RN school (am an LPN now, graduate from RN school in 3 weeks). Any solid advice would be appreciated. In laymens terms please."


Does anyone know an affordable doctor in phx/ glendale area?
I have no insurance, does any one no where there is a good doctor who's cash prices are affordable?"


"How much will a visit to my gynecologist cost, with insurance, but with possible STD tests?"
I have been to the gynecologist twice before, but both times I was with my mother. This time, I need to go but I don't want her knowing. That means that I'm going to have to pay the copay myself. I am still under my family's insurance. I just want to know what to expect financially. I was planning on getting a few tests done, but nothing too big. I imagine a check-up would cost less than a visit with tests? Plus, I think the price of the tests differ depending on what you test for? I'm just not sure. Specifically, I want to know if I have Mycoplasma Genetalium, if that helps with your answer! Thank you for any and all help!"


Insurance company refused to pay after accidental fire... please read for details...and any and all replies are appreciated!?
I lived alone at my mother's house. My residence, but she owned it and paid homeowner's insurance faithfully. A fire broke out one night and thought to have been from a cigarette. I was charged with Criminal Mischief, Felony 3, in Pennsylvania. The judge accepted a No Contest plea because unsure of what actually happened. My mother's insurance failed to pay. I believe they are giving her the run around. It was accidental, the CM charge fits sadly cause it states about being careless or negligent (such as in disposing of an astry/cigs. However, grease fires, etc the insurance companies pay out. Lost as to why the insurance company refused to pay. Any advice would be great. This happened 4/25/2012. They dropped my mother from their policy after she claimed it and was still paying premiums months after the claim. ???"


My car is worth 3200 Actual Market Value how much should insurance pay before total loss?
Car value 3200 State Ohio Third party claim (not my insurance other driver was at fault)


What can a car finance company do if you no longer have insurance?
I bought a 2004 vehicle (from CarMax) about 3 months ago. The finance company (Capital One Auto Finance) would only approve me if I started an insurance policy before I left the dealership. I did, but have since let that policy go, for different reasons. The finance company is now sending me letters to give them updated insurance info, or they may take appropriate action to protect its interest"". What exactly does that mean??? All my payments have been on time"


I need help finding affordable health insurance for my family?
My husband has a job currently that offers health insurance for us, BCBS of NC great insurance but his job doesn't pay enough for us to survive now that we have a new baby. He is switching to a driving job that pays a little more so we can survive and pay some more bills, so we have decided to try to buy our own health insurance with this new job. Things are very tight with money with me being a stay at home mom to a new baby boy and a toddler so I need very affordable health insurance for my husband and myself. My kids are covered by medicaid so I do not need to buy it for them. I do not qualify for medicaid so I have to buy insurance for myself and my husband. Any suggestions of where to look? Any help would be greatly appreciated."


Please help me get health and dental insurance?
I am 20 years old and make about $250/week (bi-weekly checks vary from about $420-520 after taxes). I am in desperate need of health insurance and I badly need dental coverage. This is horrible, but I need at least 5 fillings maybe more. I have weak enamel and I am prone to cavities. As you can tell I dont make a hell of a lot of money (and I work almost every day, but of course my hours were recently cut because the owner decided to hire a family member and pay them twice as much to sit on their *** and tell me to do the stuff I already do on my own initiative, then ***** that payroll is too high) I have to pay car insurance and constant car repairs until I can just replace it with one that wont need so much tlc and money. This makes it pretty hard to save when I keep on paying to fix things. I have a phone bill to pay as well and I do not have a house phone so it is necessary to keep in touch with family and work. Please help me figure out how to get the best coverage possible that will be affordable on a teeny budget. I really am in desperate need. Thank you so much!"


Do i really need insurance?
My horse lives out all summer i only ride him every saturday and sunday unless I'm on holiday from school. I sometimes go to small jumping competitions.


Another pregnancy insurance question?
my husband makes over 70 a year


"If a homeowner has a title insurance policy, sells the home, and is consequently informed that an issue with the title exists, what happens?"
Basically, what is the process? How is the owner informed of the title issue (example - an outstanding home equity line balance that was not discovered during the purchase)? What must the seller do to notify the company that issued the title insurance policy? What is the responsibility of the company? Do they simply remedy the issue? *For example, would the title insurance company simply pursue the estate of the person who created the outstanding home equity line? Is there any further obligation of the seller/owner of the title policy?"


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Can you insure a 17 year old with a provisional on a rent car?
Can you legally insure a 17 year old with an experienced and fully licensed driver besides them on a rent car?


How much will my insurance go up approximately after I totaled my car?
I totaled my 2009 pontiac G6. I was the only party involved. I was going about 30 in a 25 zone and the road was snowy. I hit ice and slid up over a curb. I had previously been in an accident in 2009 in my moms vechile. We share insurance and i am 19 soon to be 20.


Would I need insurance?
Ok so I'm thinking about getting an iPhone 4s. I want one so badly. It's 29 a month but insurance is 10 a month and I can't afford to pay another 10 a month, would I need insurance? The handset price (how much you pay on the day for the actual phone) is 29, so if I break or loose or someone steals the phone, would I pay 29 and get another headset, or will they make me pay 29 for a phone I don't even have? I live in England btw :)"


How much per month would insurance be at 18y.o.?
I'll be in the military soon, so I'll need a car and transportation (in the instance that I'm not shipped to the sandbox). I've tried looking up quotes on progessive and a few other instant quote people online. But the confusing part is they all seem incredibly high. I put in the car as a 2010 mazda 3(which I hope to have), and age at 18, and all the other info. It had me at 800/mo with no collateral or collision coverage. What the f? I tried all different car combinations but they all were high or in the general extreme area. Can someone let me know what I'm doing wrong?"


What type of car insurance is the best for first time drivers?
About to buy a car for the first time just wanna kno wat car insurance would be the best for a 16 year old


What's the wisest way to insure minor children with regards to life insurance?
Everyone of us is relatively healthy as a general rule.


How do i transfer my brother's car to my name in california?
its a 1974 vw bus. i want it as my car. how much is it to change it to my name? and im 17 how much wud the cheapest insurance be? and the tags are a few months outdated.. wat am i getting into?


Inexpensive car insurance for person driving MUCH less than 2000 miles a year?
My brother is on disability income and has about $600 a month to live on. He really needs to have a car because he lives in a rural area and there is no public transportation whatsoever.He doesn't have much money for gas, but the insurance is really the killer, it's about $150 a month at state farm (and he insures his home with that company also). does anyone know any good options for him to save money? Is it legal if he just ditches the car and the insurance and drives one of my cars some of the time, or is that fraud? He does not drive to work or school, only to get groceries/prescriptions etc. The county workers just roll their eyes and sigh and say transportation is a problem.And they don't help. Can I add him to my policy? He's in the same zip code, about 8 miles away. He already doesn't have collision or comprehensive, it's an old car.And he has great credit and no accidents/moving violations. Thanks for any help you can give!"


Health insurance for baby?
Anyone know any health insurance companies that cover babies right after birth? I found out last night that my insurance won't cover my baby the second the cord is cut because I'm under my dad's policy and she is not/will not be his dependent. I do NOT want to go on government insurance, so are there any other companies that will cover infants from birth on? Thanks in advance."


Will my insurance go up over one speeding ticket?
I live in Pennsylvania and have Traveler's insurance paid by my parents. About 2 days ago I got a speeding citation. The officer who pulled me over said they clocked me going 74MPH in a 55MPH zone. I did not dispute this because I know I was speeding and who could have missed the huge signs with the posted speed limit. Anyway I am only 17 years old. This is the first time I have ever been pulled over or got in any trouble on the road. Prior to this I had a perfect driving record. My dad has not gotten any traffic violations in over 30 years and my mom has never gotten any violations of any kind. My older sister who is 18 (also on our Traveler's insurance) has a perfect driving record as well. Do you think our insurance rates will go up considering this is my first ticket and everyone in my family has a PERFECT record except for the ticket of my dad's?


"Parents, do you have life insurance?"
We were referred by friends of ours to get a free child's ID kit from a woman who came out and talked about life insurance with us tonight. I am only 24 and my husband is 36 so it's not something I had thought too much about. My husband has some type of term insurance paid by work but it's not much and heaven forbid anything did happen to him, I would be lost not only emotionally but financially. We ended up getting whole life insurance for both of us, $20,000 each, and it costs about $60/month. It might be alot on top of regular bills with this economy but I think it's worth it. We declined the insurance for the kids right now but will probably get insurance on them too soon. With all the sports and activities they do, accidents do happen and you always have to be prepared. So do you have life insurance and if not, why not? BQ: Did you realize there are so many types of life insurance? She said there are over 40 types in the state of Pennsylvania. And most of them are complete rip offs."


Life insurance?
Okey dokey, so as a ballpark how much would term life insurance cost annually for a 40 year old male non-smoker?"


Good car insurance companies for a low cost??
Good car insurance companies for a low cost??


What does it mean when you take the 6 mos. payment option on a car insurance rate?
Im about to buy a car, and the insurance is $1,500, and the 6 month payment plan with $500 down payment, puts me at $200/mo. Does my insurance end after the 6 mos., or does it end after 1 year? how long is it good for? It's Esurance and Geico that I have been looking into."


Question about car insurance?
My grandmother traded my car in & got me an 06 explorer. They financed it threw C&F fiance Company. The interest rate it 16.99% and the payments are $439.57 for 72 months. My question is, after we got home she got to looking at the paperwork and realized they put GAP insurance on the car charging $625.00 What exactly is this insurance? Is it necessary with me with my full coverage? Why was she not asked rather she wanted this kind of insurance or not? Thanks to anyone that may could possibly help me!"


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"Can you explain, in simple terms, how a Life Insurance Policy works?
Why is it beneficial?


Can auto insurance company refuse to pay claims if Company Vehicle?
I have a company vehicle for 5 years now and ok to use for personal needs. Now they have come out with new company policy. It states if in an accident on weekends or whenever it is used for personal reasons and I am in an at fault accident all damages and claims will be denied. Another words if I get in a wreck and do damages to vehicles, bodily injury or whatever while driving after work hours or weekends their insurance company will not pay any claims. It states I am responsible for all damages if using for personal use in an at fault accident. Question is can they actually do that. Can their insurance legally deny all claims due to the fact the I was using the vehicle outside of normal hours and for personal use."


Are property taxes and home insurance included as part of mortgage debt?
NBC News said last night that debt should not exceed 38% of take home pay. Are property taxes and home insurance included as part of mortgage debt?


Where is a good place to get classic car insurance that will let me commute - not only use the car for shows?
Most insurance that I'm looking into for classic cars are not willing to insure your car if you commute to work and school. They only want to insure cars that are used in shows, parades, etc. I will not drive my car every single day to work...maybe a few times during the week. I bought the car to enjoy it, not let it sit in the garage!"


What car insurance to choose? free easy 10 points?
I just want an insurance for 1 month for my car. I just called Halifax up and they said that the minimum period of insurance they do is 2 months so does anyone know of any insurers who do 1 month of car insurance thanks a lot


So I'm a little confused about car insurance.?
Zombie, Do I question and ask for regulation on big business? Absolutely. I'm a big fan of the FDA. Heck pharma does and should pay the FDA to review whehter the drug is safe and effective. But I know the difference between the Big bell and the baby bells. I know what happens when gov't tries to reduce prices. Find a successful program where this method worked. Just one. Because I have never heard of one program EVER."


Cheap Car Insurance For 17 yr old?
I am considering purchasing a fiesta st 2005 model and would like to know where is the cheapest place to insure it. I understand that being 17 it will be rather expensive but i hope you can help me find some cheap insurance i want fully comp with as little excess as possible :) thanks


"I only have a learners permit, can I get auto insurance with just a learner's permit?"
I only have a learners permit, can I get auto insurance with just a learner's permit?"


I have bad credit and need a loan?
i have a 503 credit score is there anyway i could be approved for a 4000.00 dollar loan? I am thi8nking about trying citifinancial but i dont think i will get approved i heard there bad credit ok is false


Honda cg125 or cb125 and running cost and insurance please?
Honda cg125 or cb125 and running cost and insurance please?


Is it cheaper to get insurance on the same car or on a second hand car?
hi im taking driving lessons and my test is soon. I want to know if it is cheaper to get a second hand car and get insurance on that or get insurance on my brothers car. Which one is cheaper?


Help! sears auto employee insurance?
does sears auto center provide free insurance from any injuries during their work of hours for the employees such as mechanics


Insuring a new driver?
I will be soon getting my license (California), however I will not immediately be purchasing my own car. I am sixteen and I will most likely be driving one of my parents cars in the interim. Now here's my problem. My dad owns and e55 and my mom owns a 328. My mom commutes every day so driving her car is off the table. My dad almost never has to go anywhere in his car as he is currently on disability. The only problem is insuring me on the e55 will cost a fortune. My dad currently has the car insured under State Farm and their quick estimate say's I'd be paying nearly $600 a month. Now, I know there are multiple discounts I can apply for, but I'm not exactly sure what I'm eligible for. Since this would be a shared policy as a part time driver, would it be significantly cheaper? I'm just looking for options here, my dad wants me out of his hair but he also wants me to be paying insurance. I make enough that I could just barely afford $500 a month but that would leave me with no expendable income so.... help. Thanks."


What is the meaning of Net Asset Value(NAV) in Life Insurance?
What is the meaning of Net Asset Value (NAV) in LIfe Insurance Companies? How NAV is calculated? What is the difference between Sum assured and Sum insured?


Does anyone know who is the cheapest for insurance for piaggio zip 50cc scooter?
Does anyone know who is the cheapest for insurance for piaggio zip 50cc scooter?


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