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If somebody burns down your home, does insurance pay to replace, if not what happens, who pays?

Im thinking that insurance does not pay to replace the house if somebody burns it down out of spite or for whatever reason. What then does the homeowner do? where do they go? who pays the remainder of the mortgage?

BEST ANSWER: Try this site where you can compare quotes from the best companies : Compare free insurance quotes


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Could a car insurance agent please answer my question?

I live in CA. I have Mercury insurance. I had 3 old cars on my policy which was too expensive so I sold 2 of them. I was paying $273 monthly automatically deducted from my bank on the 21st of every month. I sold the first car Jan. 29th. On Jan. 30th I took release of liability to AAA DMV and then to my insurance agent asking for the car to be removed from the policy. On February 10th I sold the second car. I took the release form to AAA DMV then straight to the agent asking for release. When I look at my policy deducting the 2 cars my insurance should be about $180 per month. They tell me it will be about $210 per month. Today rolls around, I check my bank account and they have deducted $273 from my checking. I call the 800 number for Mercury. They tell me it needed to be in by February 5th in order to make the billing deadline. Then they said they will NOT refund the money they removed from my account or prorate because under writing takes time. Is this legal??????


Does my husband have to provide medical insurance on his 28 year old disabled daughter?

California sent my husband a letter telling him to provide medical insurance on his daughter. She has been a recipient of SSDI since she was 18. We are not understanding the request. Is it an error?


How much would house insurance on average cost per year on a million dollar house?

How much would house insurance on average cost per year on a million dollar house?


I would like to get a moped when i am 16 and was wondering how much around the insurance would cost a year?

I live in england and will be 16 soon and am wanting to get a derbi gpr 50. I am male and will be a student in 6th form possibly working part time. can’t think or anything else i just wanna know an average like will it be more for the insurance because derbi gpr 50 is a geared bike etc.

BEST ANSWER: Try this site where you can compare quotes from the best companies : Compare free insurance quotes

What is the difference between a home warranty and home owners insurance?

What is the difference between a home warranty and home owners insurance?


Car insurance and the state you live in and registration?

I just moved from Richmond VA to Greensboro NC. My car insurance is in Richmond VA and and my car is registered up there. I’m only going to stay in North Carolina for about 8 months. I want to know if I can switch my car insurance to North Carolina with out having to register my car and switching my license plates over to North Carolina. Car insurance is a hell of alot high up in Richmond than here and I want to save some much needed money. Anyone know if I can make the insurance switch with out having to register my car and switching my tags over to North Carolina? Please respond with only legit answers.


Can anyone recommend an affordable catastrophic health insurance policy for individuals in NY state?

I’m self-employed.. My individual health plan with Oxford/United Health has reached the insane mark. Can I just get a simple plan for catastrophic health ins in NY State? Thank you all.


If somebody burns down your home, does insurance pay to replace, if not what happens, who pays?

Im thinking that insurance does not pay to replace the house if somebody burns it down out of spite or for whatever reason. What then does the homeowner do? where do they go? who pays the remainder of the mortgage?

BEST ANSWER: Try this site where you can compare quotes from the best companies : Compare free insurance quotes


Can a teenager afford a 22000 dollar car with minimum wage pay?

well I work summers and earn minimum wage and I have saved a few thousand, I’m still 14 and I figure I’ll have about 5000 saved up when I’m 16 and can get a better job that will let me work on school days. So i read that its ok to buy a car of that price as long as you can pay it off in 48 months, which if I have my job I will be able to do that. The nissan I want isn’t very fast and has a good safety rating so insurance shouldn’t be to much… And I would be fine with making 350$ car payments…can I do it?


What is the best health care plan for student while attending medical school, like nursing?

I’m a student nursing and ASAP need some health insurance, including Emergency Room coverage. Does anyone know any type of Health Insurance for medical student like that, affordable and reliable? Greatly appreciate and thanks to all,


Which is the cheapest insurance auto company in Toronto?

Which is the cheapest insurance auto company in Toronto?


How can i get someones car insurance info if they wont give it to me? They wouldnt give it to the cops either.

The cops wouldnt let me speak with the other driver and he would not show them proof of insurance. His guardian said he had insurance but she would not give it to me. She wouldnt even give me her name. I have the license plate number but I cant find out who they are insured under. The police report stated that the other driver was at fault for the accident but the police say that they can’t make them give upt hat information. I know that by law they have to give me that info. please help i have no idea how to get this information


Should we require people to wear Motorcycle Helmets?

Should we require people to wear Motorcycle Helmets?


The best and cheapest car insurance?

The best and cheapest car insurance?


What’s car insurance im a beginner on cars?

I’m only 17 in the future I want to buy a car a mini countryman I see a lot of car insurance ads on tv do they pay you or do you pay them


Does your insurance go up?

If you park in a bus stop zone, in NYC, and get a ticket. Does your car insurance go up? What happens? I paid it off right away in like 2 hours, will there be something else?


If somebody burns down your home, does insurance pay to replace, if not what happens, who pays?

Im thinking that insurance does not pay to replace the house if somebody burns it down out of spite or for whatever reason. What then does the homeowner do? where do they go? who pays the remainder of the mortgage?

BEST ANSWER: Try this site where you can compare quotes from the best companies : Compare free insurance quotes


Motorcycle insurance?

I’m 18 years old and without taking all the time to go through and get a quote I was wondering what a ballpark guess would be for the amount it would cost for a year’s worth of motorcycle insurance. The bike it would be for would be the Kawasaki Ninja 250R. It’s a pretty small and compact sport bike with no too much power to spike my coverage prices I’m just concerned with my age the price will be relatively high. If anyone knows what state farm or geico is charging 18 year olds for low end start up sport bikes per year that would be great.


Car Insurance?

I am planning to buy a used 1992 Honda Prelude for $2,700.00. How does the insurance work? Does the price of the car that I paid or the retail price, plays as a factor of how much I would have to pay monthly for insurance. What insurance company would be the best for a new driver with her G2 only? Does anybody have an idea of how much it will cost me (approximately monthly) for the insurance? What other fees or cost will I have to pay for?


Car Insurance Question!?

I currently am paying 231.10 dollars for car insurance. This policy has only one vehicle, which is a 1997 Dodge Caravan. I am planning to add another vehicle to the policy which is a 2003 Honda Civic Sedan. I am wondering how much more I would have to pay if I were to add on this vehicle. Can someone give me an estimated amount?? ( Using GEICO as my Auto Insurance ) And also, I went on the Geico site and I saw that you can add a vehicle to your policy just online. After I’m done with all the registration, will they just send the insurance card straight to my home with just a simple online registration??


Car insurance?

what happens if you have liability car insurance and a guy that smashes your car hits you and he doesnt have any insurance? are you covered or are you screw ed?


Does life insurance kick in even in the event of a suicide?

I know all plans differ, and each plan differs per what you sign up for, but is there a scenario where a life insurance policy will still be paid by the insurer in the event of a suicide on the part of the insured individual? Or is that just a circumstance that all insurance agencies exclude?


My car insurance policy was cancelled due to non payment can my vehicle be towed?

i found myself in a tight position and was unable to pay my car insurance and it was cancelled i curently have no insurance …can my vehicle be towed?


How can i look at insurance quotes for different cars at one time?

i’m looking to buy a used car right now, and i have a few different ones in mind. i would really like to be able to view the insurance quotes on each before i consider buying. is there an easier way than having to fill out all of my information & history each time?


Is Geico auto insurance liability only?

Is Geico auto insurance only liabilty coverage or do they have full coverage also?

BEST ANSWER: Try this site where you can compare quotes from the best companies : Compare free insurance quotes


How much does car insurance cost per month?

I’m turning 16 and getting my license and need to tart saving up. IDK if it matters but this is my car: 2000 Mazda 626


Car insurance- estimated quote? lowest pricing company?

i’m a 17 year old new female driver. the car im looking at is a 1995 grandam. about how much would you estimate insurance will be monthly on my own plan? and what company do u find is the cheapest?


How is insurance on a skyline?

im just a kid car shopping for a first car, and i gotta do it big, so im trying to find a skyline, can anyone tell me a quote-ish?


Insurance question?

With Medicaid is there a income limit?



BEST ANSWER: Try this site where you can compare quotes from the best companies : Compare free insurance quotes

Was wondering how much of the cash surrender value of a life insurance policy you actually receive in the long run. .?

Sorry this is Universal Life policy.


If somebody burns down your home, does insurance pay to replace, if not what happens, who pays?

Im thinking that insurance does not pay to replace the house if somebody burns it down out of spite or for whatever reason. What then does the homeowner do? where do they go? who pays the remainder of the mortgage?


How do I help families not see life insurance?

How do I help families not see life insurance as a bill but rather protection for their family? I am on a crusade to help families become properly protected (create an immediate estate) in case of a loved ones untimely death. Of lately, prospects see life insurance as another bill. Although it is; can any life insurance agent please share with me how they get around to making sales in the life insurance industry? Thank you.


How much should a 16 year old pay for State Farm car Insurance for a year in Nevada?

My friend pays 200$ a month. And some with an older car pays 100$ each month.How do I know if I’m getting ripped off or not. My friends say I would get ripped off for paying 200$ a month for car insurance. I had an older car 1998 and it was still 200.Basically I have good grade and good driving record so i could get a discount…So how much should a regular 16 year old pay for State Farm car insurance in Nevada for a year? And how long do you have to wait before you have paid money for the car insurance? By buying State farm Car insurance, do you have to go in the place to get everything paid besides going online?Is there any other way? Details please!help:) **********10 points to whoever answers all the questions I asked correctly with good reason and has to be true if you know about State Farm car insurance!:)

BEST ANSWER: Try this site where you can compare quotes from the best companies : Compare free insurance quotes


Free Geico car insurance?

I’ve always been told by a little green lizard that 15 minutes on the phone can save you 15% or more on car insurance… what about 100 minutes on the phone?


About car insurance and the laws on it?

i just want to know if a car is insured but the driver of that car is not in the policy .. do i still get ticketed for not having the car insured? I don’t know if i’m making sense.but let me explain .my car is insured fully covered but my daughter was driving it and got stopped by the police.and he claimed that my car was not insured. i called my insurance carrier and was told that it was because my daughter was not on the policy. I always assumed that as long as the car was insured it didnt matter who drove it. provided an accident was not involved. please help me on this. as soon as possible”


HELP! best auto insurance for new driver?

Hi, i am a new driver. got my licens in 2011 but due to college i wasnt able to drive around much. after graduation i decided to buy a car and look for insurance. and after reading insurance company reviews … its kinda scaring the crap out of me. it seems that they are all interested in you buying their service but once you get into an accident you are on your own. i know internet reviews can be bias, so I kinda want to know which auto insurance company would you recommend. here is my basic info: am 23 years old, college graduate, live in a relatively decent neighborhood in southern California, had my license since 2011, and the car am looking into buying is either a new 2013 Toyota corolla or a Nissan sentra. oh and i have never had auto insurance, am not sure if i was covered in my mom’s previous insurance but chances are nope. one more thing what kind of coverage would you recommend? and deductible? oh lol and which car would you recommend Nissan sentra or Toyota corolla? and any buying car tips ? thanks you so much for your help, I will defintly be choosing a best answer 🙂


Insurance on an el camino?

I’m thinking of getting an el camino, late 70s or 80s, and I’m a new 17 year old driver, I was wondering what ibwould have to expect on insurance? From what I’ve heard it’s considered a pick up, so it as close to a muscle car I can get without having to pay super high insurance, how much would decent coverage cost me with a v8? And what if I had gotten an SS model? Im not sure which one ti get and I want to know if there is a huge difference between them, obviously I won’t be paying it on my own, my parents are until I get a job, so how much woukd it general cost? Considering one parent is 48 hs dropout, other is 38 graduated college, if it helps any at all. Regardless of the answer thank you for your time.


Who pays for the home insurance when you are owner financing it? Also in the state of Texas what insurance c?

Who pays for the home insurance when you are owner financing it? The seller or the buyer? Also in the state of Texas what insurance companies provide mobile home insurance?


Do dealerships sort out car insurance for you when you lease a car?

I am looking to finance a BMW M4 on a 24 month contract. One thing I am confused about is, when the contract is signed, does the BMW find me a insurance company, or do I go out and find a insurance company myself to insure the car? How does this procedure work people?


How much should I pay per month for a used car?

I’m 16 and looking for my first car and the cheapest I can find is somewhere around $120/month but there is also a mustang that I really like that is $325/month. I make $50/week at one job that I only go to 1 day and will hopefully be getting another part time job soon. What sort of money should I be paying?


I need to know where i stand with insurance?

basically a guy drove into the side of me and my car is in the garage awaiting assessment to see if its to be written off or fixed. of course the insurance wants whatever is cheapest and its looking like it would be cheaper to write it off. if this happens can i 1. offer to pay more on my excess to get it fixed? 2. get the car picked up and pay for it all myself to get fixed at my own mechanics? its not that the car isn’t fixable its just that the insurance is looking at the cheapest option, which looks like writing it off, because my excess is so high, but if they do this i will never be able to afford the insurance, so would rather keep this policy and fix it, anyway is this possible and can anyone find a loophole?


I currently have a Class CM driver license, and on the back I have the restriction LOFS 21 or over”.?”

I haven’t took the regular driving test (for cars/trucks) but I did take the motorcycle classes. And they said all I needed to do was take up my old permit, and they would endorse it, and mail me a new one, which I got in the mail today.

BEST ANSWER: Try this site where you can compare quotes from the best companies : Compare free insurance quotes


How to start a life insurance agency?

i’m young and enthusiastic about starting a busness although ill face a lot of challenges, but i need advice on how to start a life insurance agency and what are the requirements?


If somebody burns down your home, does insurance pay to replace, if not what happens, who pays?

Im thinking that insurance does not pay to replace the house if somebody burns it down out of spite or for whatever reason. What then does the homeowner do? where do they go? who pays the remainder of the mortgage?


Can someone else put insurance on my car?

I have two cars and one of them is parked right now due to gas prices. So I took insurance off of it for the time being. One of my friends car is messed up and she does not have a ride, I am thinking of letting her borrow my car until she can get hers fixed. So can she put insurance on it and drive it?


Can auto insurance carrier deny claim due to their insured simply ignoring request for signed affidavit ?

Hi Have a question. My rear bumper was lightly tapped by 17 year old new driver. Damage is minor and cosmetic at $425. My car is only three years old and in perfect condition. The insured provided me all his insurance information and said to file a claim through his dad’s insurance carrier. I called local police department 911 line to report minor collision. Officer responded and insured admitted to police officer that he tapped rear bumper. Police officer looked at my rear bumper and refused to make a police report as he said cannot issue a report unless damage is over $1500. I begged the officer repeatedly to please provide me even an incident report or something official like an affidavit as the teenager admitted to officer that he hit my rear bumper. Police Officer simply drove off and left me on the side of the road with a stranger. Of course now four weeks later, the insured and his father have simply ignored phone calls, emails and registered mail attempts by his insurance carrier to verify version. (not sure what version would be needed as my black paint is on his front bumper) I called the insured and his dad hung up on me twice. The insurance carrier told me they are denying and closing out the claim due to insured not responding. They said this is totally legal under Illinois State laws. (basically too bad, so sad) By the way this insurance company has unacceptable rating with state insurance board and BBB. I paid a body shop $425 in cash to fix car yesterday. Do I have recourse as I see my options would be to file a complaint with Illinois Banking and Insurance or file a small claims lawsuit against insured and insurance carrier (but that is an additional $119 court filing fee) Any ideas would be appreciated.


What kind of car should I get?

I am saving money throughout my senior year and my parents said they will try to help me buy a new car. I wanted a semi fast car. I had some ideas; Mustang gt, Rx8, subaru wrx, or some other cars that arent bank breakers. Any suggestions?


Insurance Costs less if licensed when older?

Question. Will the cost of your auto insurance be lower if you licensed when you are older? For example. If you get licensed when you are 20 rather than when you are 16 or 17 will your license be cheaper than getting licensed at 16 or 17? Or does this depend entirely on how long you have been driving regardless of age. For example, I just got my license at 20. My mother wants to add me to her policy even though I won’t be driving the car (not having my own) that much if at all. However, there is concern that the rates will sky rocket through the roof. Yes, I am willing to take the courses for discounts and my GPA would make me eligible for a good student” discount. She is a policy holder with geico. Also


What are the books that insurance companies use?

What are books that are full of the variations of ways that people have died, that insurance companies use to produce statistics called or labelled as genre.


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