Home Insurance in California : Advice

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John Arendsen, Real Estate Pro in Encinitas, CA
John Arendsen answered:
What is average cost of manufactured home insurance in Cooke County Texas?
Wish I could help you but I'm a San Diego based Manufactured Home dealer, real estate broker and contractor. Don't think I'd be able to help you much in Texas albeit I love your State.
0 votes Share Flag Sat Apr 6, 2013 Home Insurance in 94110
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
ash1newyork, Home Owner in Brooklyn, NY
ash1newyork answered:
Approximately how much would homeowners insurance be for a single two-story family home built in 1917 in 90023
Try Capital Insurance At 718-626-6111...i got insurance through them...
0 votes Share Flag Wed Mar 27, 2013 Home Insurance in 90023
Dorene Slavi…, Real Estate Pro in Culver City, CA
Dorene Slavitz answered:
What is the best company for homeowners insurance? Who has the best coverage? Who is the cheapest?
Dear Labuyer,
Rates for Homeowners insurance fluctuate depending upon the home and location. Many of my buyers go with the same company that insures their cars and get a package rate f ... more
0 votes Share Flag Tue Mar 19, 2013 Home Insurance in Los Angeles
Donald Steve…, Real Estate Pro in Riverside County, CA
Donald Stevens 909-428-0503 answered:
is it obligatory in San Francisco?
Yes it is obligatory, expecially in San Francisco. lol.
0 votes Share Flag Thu Mar 14, 2013 Home Insurance in 92630
Errol Vallad…, Real Estate Pro in Santa Clarita, CA
Errol Valladares answered:
pmi on 5% down conventional loan
There is another excellent loan program offered by UNION BANK that is 5% down No PMI. This program is for first time buyers and there are certain qualifications like income limits but ... more
0 votes Share Flag Wed Feb 27, 2013 Home Insurance in Santa Clarita
pali.group, Home Owner in San Francisco, CA
pali.group answered:
Anyone know what basis is used for determining the replacement value of a 3 unit Edwardian condo?
Oops I meant this is our Master Policy which includes Hazard.
0 votes Share Flag Fri Feb 22, 2013 Home Insurance in 94117
Donald Steve…, Real Estate Pro in Riverside County, CA
Donald Stevens 909-428-0503 answered:
is it insurance fraud to tell your home ins carrier that you live in the house when you dont?
I would have to say just by asking the question it seems as though you may already know the answer. Think of it this way, do you want to give the insurance company your money and then l ... more
0 votes Share Flag Tue Feb 19, 2013 Home Insurance in Salinas
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
Jim Walker, Real Estate Pro in Carmichael, CA
Jim Walker answered:
What are the typical insurance policies a home owner should hold?
I have been interviewing a lot of Hurricane Sandy Victims in the past few weeks... I strongly, strongly strongly suggest getting flood insurance. No exception to that if you are in a S ... more
0 votes Share Flag Tue Dec 18, 2012 Home Insurance in Sacramento
Cindy Davis, Real Estate Pro in San Diego, CA
Cindy Davis answered:
Is buying a foreclosed home the same as buying a home for sale?
Yes, and no. If it is listed on the MLS, then your purchase process would be very similar to buying a traditional home. The main difference is that the bank will write an addendum, and ... more
0 votes Share Flag Mon Dec 17, 2012 Home Insurance in Delano
Kawain Payne,…, Real Estate Pro in Long Beach, CA
Kawain Payne, Realtor, Notary answered:
Approximately, how much would a earthquake ins be for an 8 unit condo with a subterranean garage, security building, that is 33 years old in 91607.
Check with your current homeowners insurance agent/ auto insurance agent. They may give you a break if you bundle policies.


MAKE SURE AND ASK WHAT YOUR DEDUCTIBLE WILL BE! SOME EA ... more
0 votes Share Flag Fri Dec 7, 2012 Home Insurance in Los Angeles
Lucy Logvino…, Real Estate Pro in San Francisco, CA
Lucy Logvinova answered:
can i purchase insurance if i'm still on bank's loan?
It's part of your lender requirements and your agreement with the bank. If you do not have insurance bank will impose one which is typically more expensive.
0 votes Share Flag Mon Dec 3, 2012 Home Insurance in Lower Pacific Heights
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
wael mohammad, Other/Just Looking in Los Angeles, CA
wael mohammad answered:
For earthquake insurance, is "loss assessment" coverage not applicable for condominiums that have no association?
From a insurance perspective and if you have two different addresses according to the la county records, you may be required by your lender to have two different polices for each unit. ... more
0 votes Share Flag Mon Oct 29, 2012 Home Insurance in Los Angeles
John Juarez, Real Estate Pro in Fremont, CA
John Juarez answered:
What are the average rates for condo insurance in Ardenwood? Is it recommended to have flood insurance? What about earthquake insurance?
The monthly homeowners’ association fee paid by a condo owner generally covers the insurance for the property plus additional coverage provided by the master insurance policy car ... more
0 votes Share Flag Sun Oct 14, 2012 Home Insurance in Fremont
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
Donald Steve…, Real Estate Pro in Riverside County, CA
Donald Stevens 909-428-0503 answered:
What is average cost of Landlord's Rental Condominium Insurance in Upland, ca?
Square footage, age of home, brush, and many factors affect the rate. Our average has been around $300-$500 but we also have landlord policies up there that are priced at $2400. It real ... more
0 votes Share Flag Thu Sep 13, 2012 Home Insurance in 91786
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
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