Are Insurance companies suppose to help home owners?
477370
Yes, it's normal for insurance companies to tell you that they can not insure due to a particular condition.  There's the usual wear-and-tear that insurance do not cover.  You do want to make sure that you maintain your property and do the best you can to prevent any damage.  I don't think the insurance will reimburse you amount you spent on maintenance, but you definitely want to be adequately insured at all time by complying their recommendations.
1120223
Mortgage insurance can mean several different types of insurance.\n\n1. (a) If you are purchasing a home and are requested to carry mortgage insurance this is an insurance policy that protects the lender if the mortgagee fails to pay his mortgage.  It does not insurance the property or the home owner.\n     (b)  a mortgagee can obtain mortgage insurance when purchasing a home to insure the title of the property is clear if any problems arise while the homeowner has the home.  This is a one time fee paid when the home is financed.  Most homeowners do not get this type of insurance.\n\n2.  Mortgage insurance can also be mistaken to mean home owners insurance.  Homeowners insurance covers the property up to a certain dollar amount and the homeowner will choose the insurance company.  \n\n3.  Some people believe that mortgage insurance is insurance that will pay off the remaining debt on a mortgage if the mortgagee dies.  Simply put it is nothing more than a life insurance policy that pays off the mortgage.  Some lenders offer this coverage, some do not.  Alot of times it is cheaper to get a term life insurance policy.
773484
The person who ownes the property is responsible.  Keep following up and ask your insurance company if they can intervein.  The home ownership should be public record, so check with your county or city for the records.   You should send REGISTERED mail to the owner explaining the situation and get a few repair estimates to send along.  (make copies).  Take em to small claims court if no reply.  Make sure you have plenty of pictures.  You may also want to report the situation to the city administrator indicating it's a hazard to people as well as vehicles.  What if kids were playing around there and got cut!\nGood luck to you.
97893
Depends on what kind of insurance you're talking about.  For instance:\n\n1)  The basis behind property or "homeowner" insurance is \n    to cover and protect you from those catastrophic losses\n    that you could not otherwise incur yourself.\n\n2)  Life insurance could prove to be a financial asset in \n    the providing of income for your surviving heirs and \n    loved ones upon your death.   \n\n3)  Disability insurance would provide income for you and \n    your family in the event of a major injury to you, the \n    injury preventing you from continuing to work for an\n    unknown period of time. \n\nHomeowner and Life insurance claim payouts are non-taxable,\nhowever, homeowner policies are issued with some type of policy deductible and disability policies have some type of waiting period and both must be met by the policyholder. \n\nLegally, insurance companies have the option to cancel or non-renew homeowner policies if they see that too many claims have been filed in a given policy term, or if there looks like there is any type of negligence, fraud or misrepresentation on the part of the policyholder. The cancellation or non-renewal of a policy could jeopardize the policyholder's chances of easily obtaining replacement insurance from another insurance carrier due to the negative nature of cancellation.
264579
Their insurance would have to pay.  While it is your tree, your own insurance would not cover damage to their property nor are you responsible.  You do not have control over what happens to the tree.  The only possible exception would be if you knew the tree was a hazard (ie it was rotted badly or already falling).  The same thing applies if it is your neighbors tree.
75691
My guess is that it would be just like it is here is SC.  There is no law requireing homeowners insurance.  The requirment is imposed on the owner by the lender when they finance.
1118433
I would think that you would need some sort of liability insurance in case any property was damaged by you or any of your employees
370511
Depends on the type of insurance.  You need to understand your customer.  If you sell commercial insurance, advertise to businesses.  Here are some good insurance directories to post your business in: http://www.findlocalinsurance.com\nIn some states it is hard to get home insurance coverage.  If this is the case, seek out carriers that you can write with.  People will swarm to you.
909299
I don't know who does this in Canada, but I can tell you you'll have better luck with a smaller, regional insurance company than a large one. \n\nBut the real thing to do here, is see if there's a professional organization near you - daycare resources, etc, where you can talk to other daycare providers, and find out who does THEIR homeowners insurance.\n\nThere ARE some carriers that, for a small fee, will let you do a daycare in your home, on a homeowners policy.
153729
Yes, fencing is covered under a homeowner policy if you are looking to submit a claim for a covered loss.  Of course, you would be subject to your policy deductible, so it is advisable to obtain an estimate of repair before submitting a claim to your carrier, otherwise you will have a reported claim on your policy's history even though there was no payout involved.  Sometimes future insurance carriers look at that when underwriting a new risk.
533622
You are required to keep your protection at the replacement cost of the policy in order to keep all the provisions of the policy, especially any replacement guarantees.  One of the major reasons homeowner rates have gone up is due to the costs of natural disasters over the last two years.  Not only have they hurt the insurance companies bottom lines, but with all the rebuilding going on, the prices for building materials around the country have risen.
211773
Try a local agent that sells homeowners insurance.  Here is a good directory:  http://www.insuremyhouse.com\nI would avoid online quote programs.  You end up without an agent that can help you if you have problems later.
247495
It depends on what you're looking for, and where you're geographically located. Not all insurance companies do business everywhere.\n\nGreat customer service is usually found in companies that have dedicated agents that work with you both in buying insurance and filing / processing claims.  Examples of such companies that come to mind are State Farm, American Family, Allstate.\n\nGreat rates are often found by the companies that have figured out how to automate the process online.  Companies that come to mind for online service are GEICO and Progressive.
784658
This is a really broad question. You'll have to decide what you want to say regarding risk management and insurance. Obviously, risk management is what insurance is all about. You buy insurance against your risk of having to make a claim -- and to protect your assets, whether tangible (like your home) or non-tangible (like your income). Do you think that insurance is an important part of risk management? Do you think that you have to balance off risk management against cost? How do you think you can manage risk outside of insurance? All these things could be part of your project.
780436
Sorry, but no.  You would have to have mortgage insurance on your home that includes disability.  If you are concerned that you may become disabled you need to contact your mortgage company and/or your insurance agent for information.  If you are currently disabled purchasing this coverage now  would not cover you after the fact.  \n\nIt would be a good idea to contact your mortgage company to find out what coverages you currently have.  Sometimes we forget what we do have.  I purchased my home about 8 years ago and I had to check my loan paperwork to double check coverages.  Good luck.
180461
You are betting you will need it they are betting you will not. It appears the insurance company's are winning. Plus they can not lose for when they start to lose the government just allows then to raise the rates.
585996
technically, yes , you should notify the company, but if you do, they will increase the rate- or worse- drop your coverage- because an un-ocuppied house is more dangerous to insure beacuse it is un-ocuppied and could be trashed by vandals or whatever-- the thing i would do-on a practical basis is nothing- i have sold and bought 3 homes over the last 5 or 6 yrs- primary residences- due to job changes etc. and have told the companies nothing- because the realtor told me they could increase my rate, or worse they could cancel your coverage, since they dont want to insure an un-ocuppied home- this seems to be true- i did not want to find out the hard way- reagardless of what is legal or not- on their part or mine- AS A PRACTICAL MATTER- DO NOTHING- DO NOT TELL THE INS CO ANYTHING- JUST LIST THE HOUSE FOR SALE AND WHEN ITS SOLD- GO THROUGH YOUR CLOSING- TRUST ME- I AM AN ETHICAL PERSON- YET IN THIS CASE IF YOU CALL THE INS CO- YOU WILL JUST CREATE PROBLEMS FOR YOURSELF--- I AM A RETIRED INDEPENDENT INSURANCE BROKER,& CFP, & CPA, & LUTCF- TRUST ME- I KNOW WHAT I SPEAK OF- TALK TO YOUR REALTOR TO DOUBLE CHECK IF YOU WANT TO- GOOD LUCK TO YOU !!!!!!!