SiCKO – Flint Couple Says Moore Saved Home
Our home insurance policies can be pretty expensive but we need it and shouldn’t do without it since this would be a great mistake. How then can we go about saving on our home insurance policies?
Covering your home involves covering the building itself and covering the contents of the building. These are two separate policies that are equally important.
The policy covering the building could also cover out buildings on your land while the policy covering your valuables may not cover your possessions termed “mobile” like jewelries you have on you and other electronics like laptops. These may require a separate policy.
In insuring your home, it is important to keep your ears to the ground and keep your eyes fully open if you really intend to save.
Many times, banks that finance some of our project or purchases do not just demand insurance, they also demand that you use a particular insurer. This could be good for you, but could also mean a deal between the two companies. What this simply means is that for you to really save, you have to have started the process from when you were searching for financing. A mortgage provider that gives you the choice of choosing your insurer may be a better choice since you can then take your time to get an insurer whose rates you are comfortable with.
Make sure you do not over value your possessions as this would greatly affect your rates and to no benefit of yours because if you were to make a claim, you can’t claim what you don’t have or a value higher than what the market value is. Being adequately covered is more than enough.
Whatever options come your way, do not throw it away but take to know if it is to your advantage. A good example is the issue of your financier demanding you do business with a particular insurer. This may not be a bad thing but you should not take their word for it. Do confirm that it is in your own best interest and if you do confirm this, exploit it to the fullest. How can you do this? Try to see how much discount you can get if you decide to get multiple policies from them. All you are looking for is affordable home insurance coverage. So wherever you find it, go for it.
Finally, to be sure you are getting the best deal, you need to compare with other insurers to know exactly how yo would fare if you tried others. You can do this by getting free quotes from these insurers and comparing to find the best. A very quick of doing this is by visiting quotes comparison sites. They would offer you access to quotes from several insurers at once. To get the best result, visit a minimum of 4 quotes comparison sites.
Watch the video related to home insurance
Clayton and Susan Redfield were in danger of losing their home after receiving a $66000 bill from their insurance company. After many unheard complaints, Clayton uploaded their story to the SiCKO YouTube group page and got results. Watch their story now!
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Here are two very good sites to start your quotes comparison.
insureme home insurance Quotes
Hometown home Insurance Quotes
Chimerenka Odimba is the publisher Several finance based sites.
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Posted by American Car Insurance on June 23rd, 2009 filed in home insurance | 18 Comments »
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18 Responses to “SiCKO – Flint Couple Says Moore Saved Home”
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June 23rd, 2009 at 7:36 am
Socialism blows.
June 23rd, 2009 at 8:28 am
Two pieces of shit !!!!!
Tell Micheal to go live in Cuba.
June 23rd, 2009 at 8:45 am
one reason i left america was most of my professional accounting career life and life before my family could not afford health insurance. Those who don’t support a not for profit health care system for all should stay in american and die like the 12 year old boy who didn’t have health insurance with a tooth-ache and the dentists said “not now”. The tooth became infected and the infection spread to his brain and murdered him. This happens to 10s of thousands of americans every year, not in Cuba.
June 23rd, 2009 at 7:28 am
You used the words paid, pay, money, spend, and they are all correct. It is all about the money, yours specifically, and how much of it the insurance industry can get (steal).
June 23rd, 2009 at 8:51 am
You may have the HO-5 policy which is a good policy if you live in an area where the temperature drops way below freezing. It covers things like frozen pipes and damage from weight of snow or ice. The basic policy, HO-1, is for people who live in warmer climates. It's the best value in a policy if minimum premiums are your goal. So get out your homeowner's policy so that you can check coverages and make any possible changes.
Also, see what your deductible is. You can save money by raising your deductible to $500 or $1000. But be sure you check with your morgage company for the minimum required coverages.
Check to see if you have replacement value coverage, not market value coverage. Replacement value coverage will pay whatever it cost to replace your home. Make sure your fire insurance is also replacement value coverage. You can also ask for an appreciation clause in your policy that will automatically raise your coverage limits each year for inflation.
And, check your policy for gimmick insurance that may be attached to your policy. Examples are:
Credit Life Insurance
Credit Disability Insurance
Morgage Life Insurance
Automobile Service Contracts
Extended Waranties on Appliances and Electronics
Chargegard
And finally, check all options to your homeowners's policy. None of these are a good value.
1)Removal of debris
2)Damaged-property removal
3)Fire department surcharges
4)Temporary repairs to prevent further damage to property
5)Trees, shrubs, and plants – since windstorms are excluded, this insurance is of little value
6)Stolen credit cards
June 23rd, 2009 at 8:50 pm
i have been a nurse for 15 years. if this happens im out. i have worked in government healthcare (US Army) and private sector. it aint worth the headache. people your better off without insurance than universal healthcare
June 24th, 2009 at 10:02 am
I think you should go to the local building department (city or county) and apply for as built permits for these unpermitted structures. Although costly, it's better than Code Enforcement coming by, realizing that those additions/properties are unpermitted and going to court, seeking an injunction to have you (1) obtain as-built permits or (2) having them torn down.
It is more expensive to have Code Enforcement come in and seek relief from the courts (assuming you don't comply and apply for as built permits) because you may have to pay their attorneys' fees when they win.
I believe you apply for as built permits from the Building Department in the city. Make sure you're in the incorporated portion of the city, otherwise you'll have to go to the County Building Department.
Also, if the bank didn't know that these additions were unpermitted, you wouldn't have an recourse. Most foreclosures are sold as is and requires buyer's diligence. A title insurance policy may or may not disclose unpermitted additions (depends on the wording of the policy). As I recall, a title insurance policy only guarantees that you have marketable title to the property.
June 24th, 2009 at 6:04 pm
http://best-home-insurance-comparator-usa.blogspot.com/
Here you can get quotes from different home insurance companies in your area, its the best way to find an affordable home insurance with a reliable company.
Insurance companies are wary of lapses in any kind of insurance policies. In your case it just happened to be home insurance.
The single most feared factor in the insurance business is not hurricanes, not bush-fires, not wars, not meteor strikes but what's known as 'moral hazard'. Moral hazard is, in simple terms, lack of inhibition in preferring a claim under less than above-the-board circumstances.
For example, if your camera is insured for home use only, you cannot make a claim if the insured camera suffers damage during a jungle safari. Most of us, being honest persons, would not even want to claim under such circs. However, since, as a rule it takes all kinds to make this world, there exist individuals who would make a claim as if the damage occurred at home. Such individuals are considered to be 'moral hazards'.
Coming back to your original question, insurance companies know from empirical evidence that the incidence of moral hazard is greater – much greater – in those cases where there's a break iin coverage. It's likely that the insured is trying to renew the policy after a loss has occurred.
You need to provide evidence to the insurance company that you did not intend to let the policy lapse. That it lapsed, is a fortuitous happenning (please note the wording – underwriters love such language) and not a deliberate omission. 'I do not want to be penalised for something over which I had no control' is the line you need to take. You could strike lucky with this line.
June 24th, 2009 at 9:11 pm
Nope, they can look at the inside, too. They're checking for certain breed dogs, they'll check your electric box, they'll check for unrepaired damage, and they use info like wallpaper, tile, vinyl flooring, to calculate the replacement cost of your house.
An appraiser doesn't come out until after the claim. The agent is doing "front line underwriting" and establishing the value of your house.Try this site
http://best-home-insurance-comparator-usa.blogspot.com/
Here you can get quotes from different home insurance companies in your area, its the best way to find an affordable home insurance with a reliable company.
June 25th, 2009 at 2:07 pm
You need to change or they will not pay if you have a claim. Holes are not covered, neither is most tenant damage. But, you still need fire damage, weather, etc etc.
Also, if you are going to allow animals check your policy, they are not likely to cover your property if you allow any dangerous animals.
Try this site
http://best-home-insurance-comparator-usa.blogspot.com/
Here you can get quotes from different home insurance companies in your area, its the best way to find an affordable home insurance with a reliable company.
June 26th, 2009 at 2:31 am
you’re a dumbass…
June 26th, 2009 at 6:54 am
what you don’t realize because you’re stupid as fuck, is that you would pay for your illegal neighbor’s healthcare regardless, via the emergency room… which, i hate to break it to you, costs a hell of a lot more…
learn before you speak dumbass…
June 26th, 2009 at 3:16 am
Try this site
http://best-home-insurance-comparator-usa.blogspot.com/
"Homeowners insurance" covers the owners dwelling [house/garage] and contents [owners personal property on the premises]. "Owner" [landlord if he is the owner] takes out this policy and is responsible for the premiums. If building is leased or rented out, it does NOT cover tenants personal property, such as furniture, electronics, etc, or even tools borrowed from a neighbor.
"Renters insurance" covers the tenants personal property only. They take out this policy and pay the premiums.
Home owners policies cover every circumstance EXCEPT what is listed in writing, or "exemptions". These are normally: floods [obtain this through FEMA], home businesses losses [such as a fire in a residential garage being used as auto repair business], or anything else that is listed in writing. If your house up in Alaska gets stampeded by purple elephants, and it is NOT listed as an exclusion, it WILL be covered.
June 26th, 2009 at 5:59 am
Try this site to find the best home insurance company that suits your need
http://best-home-insurance-comparator-usa.blogspot.com/
Here you can get quotes from different home insurance companies in your area, its the best way to find an affordable home insurance with a reliable company.
True, but it depends on the exact type of business.
I'd think, with no foot traffic, and no business property exposure except a laptop, and no manufacturing going on, most homeowners carriers won't have a problem – If you carry business liability insurance.
Even if you don't want to carry insurance for the business, you'll still likely be able to find an insurer willing to cover the homeowners part (none will cover the business part), you'll just have to look a little harder. Use an independent agent, and they'll be able to take care of you.
June 26th, 2009 at 2:21 pm
michael moore is not welcomed in miami
June 26th, 2009 at 3:29 pm
then you’re a shitty nurse. We have free healthcare here and its the best thing. It’s much better in the long run to keep people healthy than have lots of diseases spreading around because you didnt treat everyone.
June 26th, 2009 at 4:50 pm
im cuban and michael moore can go and fuck himself!!!!!!!!!!!!!!!!!!!!!!!!!! come to cuba next time and i’ll make sure my cousin shoots u moore!
June 26th, 2009 at 6:59 pm
Why not just go to an online site that will give you bids from multiple agencies. It's quick and you're not at any risk, and it will give you a ballpark figure to work with and decide what is right for you.
http://insurance.deal4-you.com
.