Home Insurance in Alabama : Questions & Answers

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garypuntman, Other/Just Looking in Los Angeles, CA
garypuntman answered:
What is the average annual cost for homeowners insurance on a $200000 home in Baldwin County AL?
This will be different depending on what coverage you want. You might want to ask people around that area to see what they are paying. I suggest talking to a variety of insurance comp ... more
0 votes Share Flag Thu May 28, 2015 Home Insurance in Baldwin County
Joel Johnson, Real Estate Pro in Bloomington, MN
Joel Johnson answered:
does farmers insure the house if is rented?
They sure will - for a quote contact:
Doug Berge
dougberge@stockeragency.com
Farmers Insurance Group
0 votes Share Flag Thu Aug 21, 2014 Home Insurance in Baldwin County
Aaron Sims, Real Estate Pro in Birmingham, AL
Aaron Sims answered:
will it effect a seller if a buyer does not pay for property tax before end of this yr??
If the buyer has paid in full and has the deed i would imagine that the seller is free and clear of the situation and has no further interest in the property. Now as I am a Realtor and ... more
1 vote Share Flag Fri Dec 20, 2013 Home Insurance in Bay Minette
Mack McCoy, Real Estate Pro in Seattle, WA
Mack McCoy answered:
who have to pay for home insurance..the seller or purchaser if the purchaser is making monthly payment for a house
The person who cares most has to pay.

Regardless of your agreement - if there is no insurance in place, and something happens, it's a bad thing. If the property tax isn't paid and th ... more
0 votes Share Flag Fri Dec 20, 2013 Home Insurance in Bay Minette
Christi Moss…, Real Estate Pro in Daphne, AL
Christi Mossburg answered:
is insurance high in spanish fort?
Insurance is typically lower in Spanish Fort than other part so the county as insurance rates are lowest north of I-l0. Insurance rates are also based on age of home and your credit sc ... more
0 votes Share Flag Mon Aug 12, 2013 Home Insurance in Spanish Fort
Judy Niemeyer, Real Estate Pro in 36532
Judy Niemeyer answered:
Any relief in sight for Fairhope residents paying high windstorm insurance rates. Are costs less east of 181 than to the west?
Richard,

Insurance rates are less east of 181. As to rates, at this point we have not seen a decrease. Regardless what this owner is paying, you need to get a quote. I would sugge ... more
0 votes Share Flag Sat Jan 19, 2013 Home Insurance in Fairhope
Steve Quinta…, Real Estate Pro in Albuquerque, NM
Steve Quintana answered:
House Insurance
A good rule of thumb is that your hazard insurance will be around .0033% of the cost of the home. Thus a $100,000 property would cost around $330 per year for hazard insurance. $100,0 ... more
0 votes Share Flag Wed Aug 22, 2012 Home Insurance in 35601
Tia Stanley, Real Estate Pro in Williamsburg, VA
Tia Stanley answered:
Non resident purchased property in loxley. Has parents living in it. Would there be any problems with homeowners insurance coverage?
Might be considered as a tenant which may cost you a little more. Better to be upfront with your insurance company than get a surprise if you have to file a claim. Call Glen Gorowsky In ... more
0 votes Share Flag Wed May 30, 2012 Home Insurance in Loxley
Shane Willis,…, Real Estate Pro in Pensacola, FL
Shane Willis, mba answered:
are taxes higher or lower for a gulf front condo versus a house/ townhome within 500 yds of beach in pcb or gulf shores, al?
You will have to look up the taxes for the particular property and check the millage rate. Your profile says Panama City Beach Fl. I can say I work in both Al and Fl and property taxes ... more
0 votes Share Flag Sat Apr 9, 2011 Home Insurance in Gulf Shores
Shane Willis,…, Real Estate Pro in Pensacola, FL
Shane Willis, mba answered:
How much is flood insurance in gulf shores?
Really a ballpark type question that is unanswerable. Are we talking home/condo. On the beach off 2 years old or 40 years old......Sorry too many variables here
0 votes Share Flag Fri Apr 8, 2011 Home Insurance in Gulf Shores
Cheryl Mccoy, Real Estate Pro in Foley, AL
Cheryl Mccoy answered:
Approximate cost of homeowners & flood insurance, and utilities for 2000 sq. ft. home in Foley, AL
Marie, that all depends on a lot of factors, such as the location in Foley of the house. The age, construction, your credit and of course the agency can have a factor in the price. Ca ... more
0 votes Share Flag Fri Apr 1, 2011 Home Insurance in Foley
Mack McCoy, Real Estate Pro in Seattle, WA
Mack McCoy answered:
If have a 100,000 dollar mortgage why can't i have only a mortgage ins. policy to cover this amount?
Yeah!

So you're thinking that if the property sustains $125,000 worth of damage, you'll then pay off the mortgage and won't rebuild the home?
0 votes Share Flag Thu Mar 10, 2011 Home Insurance in 36582
Rameh Khazen, Real Estate Pro in Mobile, AL
Rameh Khazen answered:
what is the cost of rebuilding a home in Mobile, AL?
No, unfortunately at this time it would probably be much greater to rebuild. I live off Rangeline near the water and with insurance that would cover my rebuild costs my annual insurance ... more
0 votes Share Flag Sat Feb 5, 2011 Home Insurance in 36605
Ruth & P…, Real Estate Pro in 95030
Ruth & Perry Mistry answered:
how can I get a reduction in monthly payments?
Hi Durley:

Talk to your bank for starters, and when it does not work out go to:

https://www.naca.com/members/purchaseStep.jsp

Goodluck
Perry
0 votes Share Flag Fri Jan 28, 2011 Home Insurance in 35207
Bill Eckler-…, Real Estate Pro in Venice, FL
Bill Eckler-Florida, answered:
can't afford mortgage payment after forced to buy hurricane insurance. what can i do?
When home owners can no longer afford the expenses associated with their home ownership, the first course of action should be to approach your lender and request a "loan modificati ... more
0 votes Share Flag Fri Jan 21, 2011 Home Insurance in Alabama
Bill Eckler-…, Real Estate Pro in Venice, FL
Bill Eckler-Florida, answered:
Any idea on costs of taxes/insurance on single fam home within 600 yards of beach in Panama Cty Beach or Gulf Shores. Trying to get idea on costs
Kevin,

Florida provides a website that serves as a valuable tool for understanding insurance rates. I'm sure you will find this helpful.

www.shopandcomparerates.com

Good l ... more
0 votes Share Flag Sat Aug 28, 2010 Home Insurance in Gulf Shores
j,  in San Acacia, NM
j answered:
would like to know how much homeowners insurance would be on a $32,000 mobile home with land included on a older 1977 mobile home?
You would only need to insure the replacment cost for the mobilehomes value not the land. Is it located in a park?
0 votes Share Flag Thu Oct 22, 2009 Home Insurance in Lillian
Jeff Jones, Real Estate Pro in Birmingham, AL
Jeff Jones answered:
has the law changed for PMI requiring a credit score of 680 or higher
It is a guideline ONLY and yes MI is higher on 680 credit score than a 790

Jeff Jones
RE/MAX
205.790.SOLD
jeffjonesteam.com
Smart Agent.Smarter Clients!
0 votes Share Flag Sun Apr 26, 2009 Home Insurance in Alabama
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