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Pauline Said:

How much is your home owners insurance (yearly)?

We Answered:

So many things depend on price, so you can't really use this as an example. It varies on your state, your credit, your age, your fire protection class rating of the local responding fire department, value of the home, which form of a homeowners policy you choose (there are different forms giving more coverage), your deductible, prior loss/claims history, age, multi-policy discounts, age of home, what types of animals you own, updates to the home, how much personal liability coverage you added, and other coverages you may select or exclude

Yes, Florida is likely to see a drastic rate increase because of all of the hurricanes and claims paid last year. You should check with an indpendent agent, rather than a captive agent, who can write with several different companies and provide you the best coverage and price package for your needs.

Check out the link below to get you to BB&T Insurance Agency. There are 2 in Florida (Tallahassee and St. Petersburg) and a toll free number to call the Florida Insurance Service Center.

I hope this helps you.

Ralph Said:

Is there a chart somewhere on the net that compares the timing of auto insurance companies settling on claims?

We Answered:

Hard question to answer. There are simply too many "what-ifs" in each claim. Just because a company took along time to close a claim doesn't necessarily mean it was the company stalling or holding out payment. Each state has fair claim laws that dictate what is a reasonable amount of time to communicate a decision on a claim.

It seems that speed of settlement is important to you so I won't try to change your mind. I, as an agent however, have seen too many people fall for a company because of just one thing. It could be strictly a lower price, some "discount" or simply savy marketing.

My recommendation is to find a company that can deliver more of a total package for you. I would start with the agent. Many time just having a thorough, competent and professional agent can speed up the claims process, among other things. This agent should be one that is close to you or your work if at all possible (it just makes your life easier). You can get quotes from a few agents and then compare how the rates apply to your situation.

Again if speed of claims is important to you then by all means continue your search for the fastest. But you should consider that if you are a good risk, how many claims are you turning in and how frequent? If you turn in a lot of claims (1 or more per year for a few years in a row) you will end up paying so much in premium it won't matter how "fast" any company is at paying you.

Philip Said:

What type of home insurance do I need to take a home buyer of a TOWN HOME ?

We Answered:

homeinsurance.awardspace.us - try this one. Got my home insurance from them. As I know they provide such a service.

Kelly Said:

Loss of use vs. type of home insurance coverage. What's smarter?

We Answered:

Will the carrier for option B increase the loss of use coverage? Most will.

I'd rather have guaranteed replacement than increased loss of use coverage.