Home Insurance in Santa Clara County : Advice

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Jim Olive, Real Estate Pro in Key West, FL
Jim Olive answered:
Does AAA require buying roadside assistance membership for H06?
I would ask first...what does AAA have to do with property insurance?? I'm surprised to hear they even offer HO6. I'm not surprised, though, that since they do, they only provide it t ... more
0 votes Share Flag Fri Sep 19, 2014 Home Insurance in Santa Clara County
Donald Steve…, Real Estate Pro in Riverside County, CA
Donald Stevens 909-428-0503 answered:
What kind of insurance policies are typical for home owners to hold?
Most common in order. HO3, HO5, HO8, DP3, DP1. HO3 being the most comprehensive and the DP1 being the least coverage.
0 votes Share Flag Thu Apr 18, 2013 Home Insurance in San Jose
Donald Steve…, Real Estate Pro in Riverside County, CA
Donald Stevens 909-428-0503 answered:
will my insurance rate go down if I replace my wood shake roof with a Class A Fire rated Metal roof?
It may or may not be lower. It is true that a metal roof would be harder to burn than a wood shake roof. The question isnt just if the rate is cheaper, but who will offer an insurance p ... more
0 votes Share Flag Tue Apr 2, 2013 Home Insurance in Santa Clara County
Grace Morioka, Real Estate Pro in Sunnyvale, CA
Grace Morioka answered:
Purchased townhouse IN '84 and have typical HOA policy as well as personal inside policy. Complex is 3 separate units. (4-4-2)
First, and pardon me for being so hyper-critical ( but as an HOA expert myself), how is it that your HOA manager did not know from the very first day that he or she took over the manamg ... more
0 votes Share Flag Sun Feb 17, 2013 Home Insurance in 95050
Donald Steve…, Real Estate Pro in Riverside County, CA
Donald Stevens 909-428-0503 answered:
Are you a homeowner in the San Francisco Bay Area and do you have earthquake insurance?
On our website you can answer a couple of questions and get a rate online instantly. You can also buy and print online from our website without ever talking to one of our agents or you ... more
0 votes Share Flag Wed Dec 26, 2012 Home Insurance in Santa Clara County
Robert Lei, Real Estate Pro in Sunnyvale, CA
Robert Lei answered:
how to buy a townhouse insurance in 94085???
Hi Saori,
You probably need HO6 insurance. I know a couple good people who can help you with that.
0 votes Share Flag Mon Dec 3, 2012 Home Insurance in 94085
So Cal Homes…, Real Estate Pro in Hemet, CA
So Cal Homes 951-821-8211 answered:
Need recommendation for reputable and reliable home warranty provider
I personally prefer Old Republic. They usually charge less cover the same or more and have faster service with their contractors. ORHP

Harold Sharpe - Broker
So Cal Homes Realty
... more
0 votes Share Flag Sat Oct 13, 2012 Home Insurance in 95030
John Juarez, Real Estate Pro in Fremont, CA
John Juarez answered:
If I have an air conditioner that leaked and caused damage to my kitchen floors (buckling), it is covered under my HO6 (Condo) policy in New Jersey?
Rocketgirl02,

So sorry about your misfortune. We are mostly real estate professionals in this forum. I assure you that we have no idea what you H06 policy covers in your specific sit ... more
0 votes Share Flag Tue Aug 7, 2012 Home Insurance in 95120
Steve Quinta…, Real Estate Pro in Albuquerque, NM
Steve Quintana answered:
Liability insurance
You must have an insurable interest in a property for the insurance company to pay your claim. If you have an insurable interest the claim will be paid. If you do not, be prepared to ... more
0 votes Share Flag Fri May 25, 2012 Home Insurance in San Jose
Donald Steve…, Real Estate Pro in Riverside County, CA
Donald Stevens 909-428-0503 answered:
53 yr old home - West San Jose CA, current home ins deductible- 1000, premium- $365. If deductible is increased to 1500,premium is $320.
If the savings remained the same over many years it would take over 10 years of not having a claim for the lower premuim to bring you a savings. A claim in under 10 years will cost you ... more
0 votes Share Flag Fri May 25, 2012 Home Insurance in 95129
Donald Steve…, Real Estate Pro in Riverside County, CA
Donald Stevens 909-428-0503 answered:
cheap mobile home insurance and home warranty insurance?
Shop around. An educated consumer can make a much better decision. We write a lot of mobile homes and manufactured homes for that matter. Free quote, no obligation. We would love to hel ... more
0 votes Share Flag Fri May 25, 2012 Home Insurance in San Jose
Barbara Parr…, Real Estate Pro in San Jose, CA
Barbara Parrish answered:
How do i buy a house in san jose?
Buying a home anywhere can seem overwhelming. My experience shows the best way is take it one step at a time.Think it through, decide whether you want the responsibility of a single f ... more
1 vote Share Flag Mon Apr 16, 2012 Home Insurance in 95112
TerriVellios…, Real Estate Pro in Campbell, CA
TerriVellios.Com answered:
anyone can help,where can I purchase the flood insurance so I can close escrow soon?
Is your lender sure that property is in a flood zone? In our area a lot of homes are in "Potential Flood" zones, vs actual zones where the water tables warrant flood insuranc ... more
0 votes Share Flag Sun Jan 2, 2011 Home Insurance in San Jose
Marc Perkel, Home Buyer in 95020
Marc Perkel answered:
Trying to find home owner's insurance from a company that isn't going to cancel me for no good reason.
Talked to the morons at Geico/Travelers and apparently they don't insure homes that don't have central heating. I have a thermostat controlled wall furnace which is very commo ... more
0 votes Share Flag Wed Aug 11, 2010 Home Insurance in 95020
Marc Perkel, Home Buyer in 95020
Marc Perkel asked:
Need Insurance in Gilroy California OK - I have a home under contract. Now I need to get some kind of insurance lined p. Who has good home owner's insurance in Gilroy? Looking for a company who didn't cheat the people in New…
0 votes Share Flag Mon Apr 13, 2009 Home Insurance in Gilroy
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