Home Insurance in New Jersey : Questions & Answers

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Marilyn Hold…, Real Estate Pro in Westfield, NJ
Marilyn Holda-Fleck answered:
How do I find online the bylaws of my condo? I live in orange county, NY
Here in NJ, one place to start is with the Management Company. Some Management Companies have a website where you can download the documents you need (often for a charge). If they don ... more
0 votes Share Flag Wed Jun 18, 2014 Home Insurance in 07090
Donald Steve…, Real Estate Pro in Riverside County, CA
Donald Stevens 909-428-0503 answered:
Does your deductible apply for Loss Assessment Claims due to clean up and damages that your association incurred as a result of a storm?
Loss assessment is a seperate coverage on your policy and the deductible more than likely will apply. Sorry.
0 votes Share Flag Wed Feb 6, 2013 Home Insurance in New Jersey
Emil Veltre,…, Real Estate Pro in 33767
Emil Veltre, RPh, MS, CDPE answered:
How do I figure out what percentage of the FMV of my home is for my garage?
Hi Parker,

I believe there can be several answers to your question depending on your purpose for asking. If it is for business use and tax purposes you should definitely consult you ... more
0 votes Share Flag Fri Feb 8, 2013 Home Insurance in Belleville
Andrew Tisel…, Real Estate Pro in 07024
Andrew Tisellano, Broker/Assoc answered:
Does converting from electric to gas increase or decrease homeowners insurance for condominiums in New Jersey?
It will increase the resale value.
As for insurance I would think it should not make a difference but check with your insurance company. different companies may have different ways of ... more
0 votes Share Flag Mon Sep 24, 2012 Home Insurance in Cape May County
Franklin Mar…, Real Estate Pro in New Jersey
Franklin Marquez answered:
What's the average yearly insurance cost on a $250,000.00 house located in West Orange, NJ?
it depends on many factors but it's around 800$. but if you have a pool may be more!
0 votes Share Flag Fri Sep 14, 2012 Home Insurance in West Orange
Donald Steve…, Real Estate Pro in Riverside County, CA
Donald Stevens 909-428-0503 answered:
Renewal rate increased $200 . Only changes from previous year's policy is Loss of Use has increase 20% to 30% and territory has changed
The territory is a company specific location. You do have a protection class based on how far the fire department and fire hydrant are from your home. Many companies will use that numbe ... more
0 votes Share Flag Thu Jul 12, 2012 Home Insurance in 08070
EXITTowne, Real Estate Pro in Newton, NJ
EXITTowne answered:
What is the gas company in hamburg?
elizabethtown gas... www.elizabethtowngas.com/
0 votes Share Flag Tue Jun 12, 2012 Home Insurance in Hamburg
Donald Steve…, Real Estate Pro in Riverside County, CA
Donald Stevens 909-428-0503 answered:
Structural issues, horizontal crack found after recent home purchase.
For insurance to cover the damage it would have to be caused by a covered peril. IE., water, fire, wind, etc. Insurance companies will list what perils are covered and/or excluded. If t ... more
0 votes Share Flag Fri Jun 1, 2012 Home Insurance in New Jersey
Laura Gianno…, Real Estate Pro in New Jersey
Laura Giannotta answered:
Homeowners insurance, 08260
Call IKM Insurance. They're located on Long Beach Island, but cover all the Jersey shore towns. Speak to Cathy at (609) 494-9200
0 votes Share Flag Tue Oct 15, 2013 Home Insurance in 08260
Suzanne MacD…, Real Estate Pro in 07856
Suzanne MacDowell answered:
Doesnt lenders buy insurance policies on mortgages?
That depends. If the mortgage is an FHA mortgage and is for more than 80% of the value of the home, then the lender will likely require YOU to purchase PMI, Private Mortgage Insurance. ... more
0 votes Share Flag Thu May 24, 2012 Home Insurance in 07004
tim moore, Real Estate Pro in Nags Head, NC
tim moore answered:
does the mortgage company get paid if i stop paying the payments?
The mortgage company only gets money if they service the loan, that means if they do the paperwork and send out the bills. If they don't service the loan then they don't ever get any mo ... more
0 votes Share Flag Tue May 8, 2012 Home Insurance in 07004
Wayne &…, Real Estate Pro in Lincoln Park, NJ
Wayne & Patty Odenbrett answered:
above ground oil tank insurance
Being that you do not own the land, the Mobile Home Park wants to make sure their land is not poluted in any way. It probbly also helps their insurance rate. So I can't blame them. You ... more
0 votes Share Flag Fri May 4, 2012 Home Insurance in 08070
Brian Rayl, Real Estate Pro in Frisco, TX
Brian Rayl answered:
Why does the mortgage company need the condo's insurance disclosure sheet? We are not selling the condo. We gave them an insurance policy for
Your question is a bit confusing, but I'll see if I can help:

There are 2 scanarios that I can think of here: 1 is you are buying a condo in a complex and 2 is that you own a condo i ... more
0 votes Share Flag Tue Apr 10, 2012 Home Insurance in New Jersey
Jennifer Bla…, Real Estate Pro in Basking Ridge, NJ
Jennifer Blanchard answered:
Need Insurance companies in new jersey that will cover underground oil tanks
Good luck! LOL - your best bet is to call a broker who has access to many agencies. It's been my recent experience that most insurance companies will cover property with USTs but ... more
0 votes Share Flag Tue Jan 31, 2012 Home Insurance in 07857
Larry Sarlo…, Real Estate Pro in Camden County, NJ
Larry Sarlo 609-868-1171 answered:
replacement building cost for a 2nd story condo unit (2stories total)?
Are you fighting your insurance replacement cost figures?


Search foreclosures and short sale here: www.larrysarlo.com/shortsales.aspx

Search the MLS on your phone by Text: In ... more
0 votes Share Flag Tue Dec 27, 2011 Home Insurance in Ocean City
Kenneth Verb…, Real Estate Pro in Princeton, NJ
Kenneth Verbeyst CRS GRI ABR SRES GREEN Broker-Assoc answered:
What is the cost per square foot to build a house in Ewing, New Jersey zip 08628?
That can be a very subjective question. It depends upon quality of construction, fit out and how involved owners are. You could spend less than $100.00 per foot doing much yourself or m ... more
0 votes Share Flag Wed Dec 21, 2011 Home Insurance in 08628
Gina Chirico, Real Estate Pro in Fairfield, NJ
Gina Chirico answered:
Will my home insurance be higher if termites are found on inspection?
Joyce,

If termites are found during the inspection, the bank (your mortgage company) will require that they be remediated. Usually a certification from an exterminator or proof of e ... more
0 votes Share Flag Sun Nov 20, 2011 Home Insurance in 07514
John Juarez, Real Estate Pro in Newark, CA
John Juarez answered:
I need mobile home insurance in Cape May county NJ
Diane,

I did a Google search for cape may new jersey insurance agents and got 1,330,000 results. I think you will be able to find what you need if you do a quick internet search for ... more
0 votes Share Flag Thu Feb 21, 2013 Home Insurance in New Jersey
Andrew Wilki…, Trulia Community Manager in San Francisco, CA
Andrew Wilkinson answered:
Hurricane coming to NJ , home is in foreclosure and mortgage hasn't been paid in over a year, the bank paid the home owners insurance , can
Your question got cut off. Can you please put a brief description of your question in the title, and then ask your question in full in the main section of the post? Thanks!
0 votes Share Flag Fri Aug 26, 2011 Home Insurance in New Jersey
David Green, Real Estate Pro in 08204
David Green answered:
How long does one stay in attorney review generally?
The Attorney Review Period begins the day following all parties receipt of a fully executed contract. The period lasts for (3) three business days, not counting weekends or holidays an ... more
0 votes Share Flag Wed Nov 6, 2013 Home Insurance in 07036
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