That's a good question. I've been needing to find a good home insurance provider as well. I'll make sure that I shop around and compare prices before choosing a provider. I'll also ask my friends and family about which insurance providers they have and what they like or dislike about them. Hopefully I'll be able to find home insurance that fits my needs! http://www.allcoverage.ca/... more
Have you spoken directly with an insurance agent about this? Do you own the property or are you a tenant? If you own the property, do you live it or will this be an investment property? I have several insurance agents that my clients have worked with in the past that might be able to help you so feel free to contact me and I can get you their names and numbers.... more
If you have an FHA loan you can't petition to have it removed. If you have a conventional loan usually 12 payments must have been made (on time) and 22% is the target amount of equity. You can call your servicer, but they are often not the best at being accurate, knowledgable, or forthcoming with the information. The actual answer should be contained in disclosures that you have in your paperwork from the application and settlement process last year. If you find these and are unable to decipher them, I am happy to interpret for you, just drop me an email or a call. If you like my answer, consider clicking on a â€œThumbs Upâ€ or â€œBest Answerâ€
Robert L. Hanson
Gladewater National Bank
First Time Homebuyer Specialist
You may want to pull the tax records and see what they cost is associated with that and always find a good agent in the area and ask them to pull comps. I have a number of contacts with other agents in the San Francisco market, so please let me know if you'd like me to refer an agent to you.
Keller Williams Sonoran Living
If the premium was to be returned to the bank they would be listed on the check with your name as a cosignor. It sounds like you owe the insurance company money for overpaying on your escrow account. If only your name is on the check, you have to cash it. You must then decide to pay back the bank.... more
Replacement cost are based on many factors. Age of home, architecture style, upgrades inside and out, roof type, how many floors, type of counters, types of sinks, etc. Two homes right next to each other with the same square footage and built by the same builder will still have different replacement costs. We write a lot of insurance policies and we have to use special software to calculate replacement costs.
The generic number by the way is $150. That is never accurate but gives you a VERY rough idea at what you would be looking at for replacement cost. Don't forget, attached garages will increase your replacement cost because they are considered part of the home since it is attached.... more
Be aware of the policy if you take a cash settlement instead of repairing or replacing your home. They will pay you Actual Cash Value instead of replacement cost. This clause in the policy prevents policy holders to "take the money and run".
Check your policy for this clause. I'm very sure it's in there.... more
If it is a standard track home without any custom features u can usually get away with $150.00 sq ft. Every insurance company has there own costimator. They can vary from area to area. You want to make sure u get code upgrades and some extended replacement cost. Call your auto insurance carrier for a multi policy discount. If u are with a carrier that farms out the auto then have your auto info ready and shop around. Feel free to call me I have been an insurance agent for 15 years in Ca. I write Allied, Mercury, Travelers, Hartford to name a few. 562-594-8787... more
We can quote you with 5 A rated Carriers. We are agents, not a lead source for other agents. We represent many companies to help you find the best rates. If you visit our website I will work on that for you. No cost or obligation.... more