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Adrian Said:

Buying home insurance... where to buy?

We Answered:

Well, they're out there, but you have to buy it, and it's really expensive. Most independent agencies buy the software, and then pay monthly to pay for rating updates. We're talking several thousand for the initial software, and about $25 per month, per company, for the rate updates.

You are trying to be your own agent.

Unless you know the difference between replacement cost and GUARANTEED replacement cost, and unless you know which extra endorsements you need (are you familiar with an HO41?), you will be making MAJOR mistakes by trying to do this yourself. You likely won't even be able to get the accurate (for each company) limit for the building.

Go visit a local, independent agent, and ask them to give you quotes with 10 different companies. Have them print it out. Then go to another one or two, and get 10 or 20 more quotes, from 10 or 20 more companies.

You can't get the policy, anyway, without using an agent. So let them do ALL the work for you.

Everett Said:

How much is Robbie Keane going to be paying for home insurance now in Liverpool compared to London?

We Answered:

I imagine that is dependant on Liverpool qualifying for the champions league this year, and if he uses the same gangster`s that Gerrard uses for his security now

So I would say No, he will probably be at home during the week.

Christine Said:

I need to figure the cost to rebuild my home in Southern California to compare to the insurance estimate.?

We Answered:

Mine was $200 per square foot. But that has NO bearing on your potential costs!!

If you don't trust your agent did it right, find a new agent. If you don't trust that ANY agent will do it right, hire a contractor to give you a written estimate. OR, there are companies out there who will, for a fee, give you a calculation.