insurancefaq asked:


Do you run a home hours of daylight caution surrounded by Ontario? Advice needed re: liability insurance?

My wife is planning to start a home day support business, and would liek to obtain liability insurance. When I call in my current insurance company they said they can’t insure out home anymore as this would be deem as…

Does anyone hold any suggestions for affordable strength insurance for the self employed?

I am a self employed horse trainer and can’t find an insurance company to insure me for a reasonalbe amount of money. I think the best bearing is to do some research on your own and then return with in touch near local health insurance…

Does anyone know any obedient prize promotion insurers? I want to insure a lbmillion prize as chunk of a promotion!

Basically, I want to give my customers the arbitrariness to win lb1,000,000 when they use my product/services (with odds of something like 1 in 14 million!). I’m looking for an insurer that will cover the prize surrounded by…

Does anyone know of a good insurance compnay in the UK that will cover a car & motorbike.?

At the moment I insure both seperately but there must be a company where I can insure them either on the same policy or at a discounted rate? Try Direct Line. They give a discount if you have 2 cars…

Does anyone know of an insurance company (UK ONLY) that insures gymnasiums?

I want to insure a gymnasium in the West Midlands nouns of England. Does anyone know of any company that does it? Thank you. Contact the British Insurance Brokers Association (BIBA) via www.biba.org.uk/ This is the trade association for Insurance Brokers and may be able…

Does anyone know of an insurance company that offer natural life insurance to ex-felons on parol?

Husband needs life span insurance, having problems finding a company that will insure someone who is still on parol Most natural life insurance applications do ask whether the applicant has be convicted of a felony within olden times 7-10 years. So…

Does anyone know of an insurance company that will insure a railcard season ticket worth lb4000 on home ins?

The drive I want to insure it is if you lose it more than once the guardrail company will not issue another one and as it is so expensive it is similar to carrying lb4000 round beside you everyday!…

does anyone know of an insurance company that will insure an unoccupied home in Pennsylvania?

our homeowners insurance is cancling my mothers insurance because she is 85 and can no longer live alone,so her house in unoccupied. You have to tell them its vacant otherwise coverage will be excluded and call your agent. If you can not go…

Does anyone know of an Insurer contained by CA that will insure a child near Autism?

It is not an automatic decline. It will depend on the medical records. I would suggest you find an independent broker that can assist you with multiple insurance companies. Try using yellowpages.com to poke about for health insurance brokers in your…

Does car insurance go up by how many seets you have or how many rows?

No, car insurance is based upon statistical repair costs and value of the vehicle. An expensive 2 seat sports car will cost you more to insure than a 7 passenger mini-van.

Does CHUBB only insure jewelry worth more than $5000?

I don’t remember ever seeing that in their guidelines. I used to insure my jewelry with Chubb & I have plenty of items worth less than $5,000. What is good about them is that they will write a stand alone policy. If you lose the item, they will…

Does homeowner’s insurance increase contained by NY state if you hold a trampoline contained by your backyard?

Not if you put it in after you win the policy, and the company doesn’t know about it. Actually, it doesn’t cost more if you enjoy the trampoline – but you won’t find anyone willing to insure you. It’s a…

Does homeowner’s insurance usually cover 100% of your home good point during a fluent disaster?

Only if you are fully covered for the replacement cost of the home. A common error that may family make is to insure their home just for what they paid for it. I compensated $117k for my place but building a similar…

Does my mortgage company allow me to insure my house near more added features & coverage ?

I am going to buy house for me. Mortgage company charge me the insurance amount from me and take insurance policy for my house. But it may cover smaller amount risk which we are seeking to cover in my policy close…

Dwelling Fire Insurance surrounded by D.C.?

I have a condo within Washington DC that I rent to other people. I want to obtain insurance for it without varying any of my other insurance. Are there any companies that will do that? GEICO desires to insure my primary residence, too, so they’re out. Anyone else? Thanks! If you…

Earthquake insurance?

My house insurance wont cover me for earthquakes and hardly anybody will in this state. Where can I get some? California EQ Association 916-325-3800. Or you could go to your Insurance Dept website to get Earthquake Carriers. Here are some more EQ carriers: In Hawaii there is Hawaii Prop Insurance 808-531-4449, Liberty Mutual 8OO-979-2020 they insure…

Engagement ring insurance – what do I stipulation to do to acquire insurance on my ring?

I want to insure my ring, but I’m not really sure how to go more or less it. Mine was covered lower than my homeowners/renters policy. But if you do not have homeowners or renters insurance, I recommend you contact an insurance…

Eskimo insurance?

Do eskimo’s need to insure their homes against fire? They are call Inuit. Very few live in igloos any more within Canada as our Socialist Government provides them with fully equipped and furnished homes free. No inevitability for insurance because if their home burns down the Government will give them a unsullied one. What a country!!…

explain insurable and non insurable risks?

There are two types of insurable risks. The first are standard coverages such as homeowners insurance. The second are specialty insurances, called excess lines, that are things similar to a movie stars legs. It is very difficult to insure things close to that. Non-insurable risks fall into a couple of category….

FDIC Insurance?

All the banks read out they’re FDIC insured for up to $100,000. But what if you have accounts at 2 different bank. Do they insure each statement up to $100k, for $200k total? Or is it just $100K total for adjectives bank accounts collectively?

Full COVERAGE!?

i need lend a hand! real doomed to failure! first off i wanna say-so i got a 94 honda prelude by a auto loan of 2,500 dollars but the saloon cost 4,000. Now the banks policy close to all other bank is to fully insure the vehicle. I went to the insurance agency and get…

Getting insurance for an expensive survey?

Does anyone know of any companies that provide insurance on expensive watches? I don’t have a homeowners policy to add on it on to, so i was looking for a standalone policy for a demanding item. Lloyds of London will insure anything. Coach What about your coup?? insursance policy? State Farm…

Good household insurance company?

which would you consider to be the best and the cheapest to insure your home building and contents with?? Norwich Union Direct is good but so is my mound who use Churchill Insurance either give discounts for on-line business

Group condition insurance and disability: Does group vigour coverage verbs if I become disabled?

In a typical policy, is there a requirement that coverage continues for an member of staff who becomes disabled? If not, how does one insure against this event? Although I hold both group health coverage and group (and individual) disability coverage, I am…

Hair insurance?

I want to know if it is possible to insure your hair? If so where on earth and how? And to whoever wants to write spiteful comments or nasty ones expect twice you’ll be reported. – this isn’t being rude but what is the point of insuring your hackle?

How big does a company commonly hold to be within proclaim to proposition self-insured medical coverage?

Big enough to convince the state insurance commissioner they can settle massive amounts of bills. Honestly, I’ve worked on some very big, national accounts. Even companies that will self insure their workers comp and commercial auto, DO NOT self insure their…

Hand insurance?

i no this sounds realy sad but i ruminate its a gd idea i am a hairdresser and i be thinking the other day what would take place if i broke my rist what would i do so i was wondaring if anyone know an insurance company that would insure them

Has anyone ever hear of Titan auto insurance?

Titan Auto Insurance provides affordable insurance for private passenger vehicles. We will insure most licensed drivers regardless of their driving transcription and insurance history. Titan offers notably competitive rates with attractive expenditure plans backed by excellent customer service. We own store locations throughout the Phoenix Metro area and provide…

Has anyone ever heard of extended dwelling coverage on a homeowners policy?

The agent told me that you can insure your house for an amount and this coverage will extend the amount of rebuilding cost up to 25% above what you have it insured at on the policy. Is this true? Yes, BUT. Usually it’s intended as a…

Having a insurance for the shopping center.?

My friend is buying a shopping center, and he is putting down 450,000 for 1.8 mill. shopping center.What is a reasonable amount of the coverage he should have for a shopping center? And,how do I find out a replacement cost for that property. I want to insure it for a replacement…

Health insurance for children just?

My employer covers my health insurance 100%, but to insure my children through my chore, it’s going to cost me a small fortune every month. Are there any private insurance companies where on earth I can insure my children ONLY, and not myself? (I’ve found a couple sites, but they all ask for…

Health insurance?

what health insurance company do you use if you have to buy on your own, not through work? if you go here finance.ebookorama.com/ on the right there’s a intertwine to 2 insure 4 less, they do adjectives kinds, it’s a comparison site that’ll afford you a ton of quotes from many different insurers. My friend…

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Elle Perkins asked:


Is it really important to search out the rankings among auto insurance companies? When purchasing auto insurance, you are absolutely want to be sure that you are getting the right coverage from the right company. Checking auto insurance company ratings is one of the best ways to find good insurance provider.

Ratings are the results of large surveys on auto insurance. In most cases, people who have had their experiences with different insurance providers are asked to rate these companies based on various areas. Some of the areas you need to consider when looking for ideal car insurance provider may include the multiple coverage options being offered, reasonable rates, good handling of claims, overall customer satisfaction and others.

Remember that these ratings are not absolute and are basically the opinions of a number of consumers. Hence, it does not represent the whole consumer base. Furthermore, some ratings on auto insurance have its own limitations and you have to better understand these limitations. The better you understand it, the better you can use this as your guide to make an absolute decision.

Ratings are also limited to a certain area or vicinities therefore the top scorers may not be available in your area. It also reflects the perceptions of the average consumer of the insurance company and its service and it does not assure any of its kind. You have to be opened to the possibility that you may have had bad experience dealing with a particular company, other consumers may experience different.

Ratings can also produce inaccurate results especially if it is based on false surveys. These are those surveys that do not verify any ownership of the services or products being surveyed from the respondents. Rating companies may do this by asking random potential respondents for their opinions with regards to the services of a particular insurance company. Even without the assurance of that respondent if he or she is actually uses that insurer.

When a particular auto insurance company is well known, it does not necessarily mean that if offers great customer service. Being a smart consumer, you have to do your own home work. Do your own research before making a smart decision to which insurer to buy your policies from.

A particular insurance company that offers low cost car insurance may not provide you quality service. Most especially if you are having a hard time reaching the company to answer your queries or deal with your concerns. You also have to make sure that you will choose a company that will handle the claims promptly and fairly when you get involved in an accident.

When choosing the right auto insurance company, part of the process is to get quotes from various car insurance providers. This is the ideal step to start and when the time you already have this quotes you can compare and start rank the companies yourself.

Insurance experts recommend that all consumers must compare rates from multiple insurance companies every six months to make sure that their rates are competitive. A few minutes of research can lead you to a undreds or even thousands of savings on car insurance.

Christy Myers asked:


The goods movement through road is always increasing within state or inter-state level. There are more and more accident occurs on the road due to heavy trucks movement. Looking to this fact the truck insurance is essential. There are different coverage provide by the insurance company to the truck cargo industry. In majority of the accidents the third party are always get more damage than the truck, and the truck cargo company has to bear the financial losses. In that situation the truck insurance company give protection by offering the third party coverage under primary liability coverage.

There are five reasons for selecting the primary liability coverage such as:

1. The primary liability coverage give protection from the third party damage or injury incase any accident occurs.

2. The primary liability coverage is made compulsory by state and federal agency so the truck cargo company must have to give evident of coverage to the state and federal agencies.

3. The insurance company provides third party coverage from $35,000 to $1,000,000. The premium is depends on area, records of driving, and year of the company in operation. Policy limits are for operations with trucks over 10,000 gross vehicle weight needs $750,000 policy coverage. This limit is set by the FHWA on interstate travel that compare with the various States.

4. The primary liability coverage gives full protection for the third party injury or damage so the company may save money in case of major accident take place. However the premium is high but the protection is greater.

5. The primary liability coverage is made compulsory by the State and Federal agencies, it is essential for the large truck fleet operating companies because if more accident occurs the company could not be able to cope up the financial losses.

It is utmost essential to have the proper third party coverage because there are greater chances of road accident and damage to the third party that’s why the State and Federal agencies mandate the primary liability coverage. It is not the burden but protection from huge losses some time.

Jim Bassett asked:


Recently if you have observed that your auto insurance is going up then its time for you to get an auto insurance comparison done.

You need to evaluate if you are paying more for the auto insurance than you can manage to afford. If it is the case then you are amongst the thousands of people who are going online to search for insurance companies charging lower insurance premium. Comparing the auto insurance quotes is the best way to find the best deal for low premiums.

To compare the quotes of the auto insurance premium of different insurance companies on internet is very easy but you should be much focused and concentrate on the search. You will find that the different companies are fighting amongst themselves to give the lowest quote for you. This you will find because they will try to be competitive otherwise they will loose a customer like you. They also know that you will compare their rates alongside the rates of the top other competitors. You will obviously tend to go with the one which will charge the lowest premium.

The good thing about this quote comparison on the net is that big and small insurance companies are worried and on their toes to give you the lowest possible rate for them. They are fully aware that every person who becomes smart to compare the rates and choose the best one for him then the business of many insurance companies will be at risk. This will put the companies who are charging exorbitant premium will run out of business.

Nowadays, there are many small and lesser known companies offering very low and very competitive premium rates for auto insurance. This proposition of offering lower premium rates become feasible for them probably because of the less overall expenses they have. They do not spend much on advertisements and propaganda as is spent very heavily by the bigger companies. To see it logically they are in a better position to provide lower premium rates as huge expenses on campaigns and advertisements are avoided. They can afford to pass on that saving to each customer’s who are subscribing to their insurance coverage.

There can be times where you will probably be astonished by the fact that you will be charged lower premium rates if you are buying the auto insurance online than rather going to their office and buying the insurance face to face. This is because if you are at their office you are more likely to get persuaded by the employees to buy the insurance from them. This becomes difficult for online customers whom they cannot influence much other than the rates.

These are the reasons comparison sites showing the comparison of quotes of different auto insurance companies are getting very popular. You are actually in a position to compare very effectively by seeing the different quotes side by side.

It makes a lot of sense to go on a good auto insurance quote comparison site and search for the best quote. Ultimately, this will lower the total monthly expenses and make your life little easier.

Ricky Lim asked:


Just like any business, business auto insurance allows the business to go forward. If you are an owner of a small business, you have to allot a portion of your budget for small business auto insurance. This is to insure that  your provide mobility for the employees, products, and equipments.

It is hard for a business to operate without comprehensive company car insurance. Even if it is a small business,  small business auto insurance still reflects that the company is stable.

As a business owner, you can get small business auto insurance that fits your business. This is why it is very important to protect the vehicles that is used for the business.

You can go through insurance providers that offer this particular insurance and ask about the quotes that they offer to small businesses.

Make sure that the small business auto insurance you get includes auto liability, comprehensive coverage, uninsured and underinsured motorists coverage, coverage for employees using their cars for the business, medical payments, collision coverage, and coverage for autos that the business borrows or rents.

There are providers of small business auto insurance that help you to take care of your business. If let’s say you do have an accident, you can rely on the small business auto insurance professionals that will gather the facts you need.

The insurance coverage must have the details on the accident and the gravity of the damage in order for the insurance provider to come up with the right estimate on the covered cost. These small business auto insurace professionals are so dedicated that they can be reached anytime and anywhere.

You can get the contact details of these agents from the insurance provider of the small business auto insurance you applied for.

Another good thing about having small business auto insurance is that you can fix your vehicles and then you can guarantee the repairs.

As long as the insurance provider allows you to lease the vehicle and you are okay with the rates, then you can secure the small business auto insurance for your company.

You must remember that your company may be small but you have to do whatever it takes to make it seem that your business is professional and will definitely be one of the big guys in your industry in the future.

A good way to start doing this is getting the insurance that most companies have. An example is the small business auto insurance.

After all, you have to insure your business’s properties and this includes the business car.

Car Insurance Expert asked:

To break the declarations page down further, we’ll discuss each aspect presented on the page, and this is done in no particular order, meaning your declarations page may or may not have the same information in the same order listed here. First we’ll mention the auto insurance company’s information on the page. The declarations page will have the name of the insurance company, as well as their contact information including a phone number and address. If you need to contact the company, the information is readily available here and also on the insurance card that you should have somewhere in your car in case it is immediately needed.