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Andrew Said:

can someone tell me which representatives voted to increase home insurance prices?

We Answered:

the government does not set insurance prices...the market does

Joseph Said:

Why is home insurance going up when home prices are going down ? Are we fleecing the sheep ?

We Answered:

Insurance is based upon replacement value and that might include the contents of the house and it is the cost of replacing at today's prices. That said, this does seem pretty high I would question where the currnet value of 160K came from?

The Insurance companies are licenced through the states. It will be a separate Department. Maybe a google/bing for your state and Insurance commissioner will get you to the right place. I think I would shop around for insurance with this kind of variance! We managed to save over a thousand dollars per year by taking the time this year to just shop for it! Since it's part of the mortgage payment that has a big impact! Almost 200./month less! If you also get some good numbers on the value to the home you could take that to the county and perhaps get your taxes lowered too! Might make all of the difference right now! It's work but there's only two ways to make money-earn it or save it! Good luck!

Juan Said:

In jacksonville florida, I was considering to buy a wolf hybrid, but do they bring up the home insurance price

We Answered:

First of all, why would you purchase a wolf dog? What are your reasons? I know you may get on the defence here and not wan tot disclose that info, but ask YOURSELF this very question. If you don't know what to ask yourself, have a read: http://www.wolfhaven.org/think_again.php

Wolf dogs are not illegal in Florida, no matter what the content. You require a Class II Wildlife Permit to harbour any wolf dog that is over 75% (see below). [This law should be revised, as percentages are completely inaccurate to determine content of wolf].

State Regulations for Florida for wolf dogs are as follows:
"Pure wolves and hybrids which are 25% or less domestic dog require a $100 permit per year unless exempted as a researcher." Provisions include owner "demonstrates no less than one year of substantial practical experience (to consist of no less than 100 hours) plus successfully complete a written examination on the care, feeding, handling and husbandry of the species for which the permit is sought, or other species, within the same biological family ... which are substantially similar in size, characteristics, care and nutritional requirements to the species for which the permit is sought," is able to provide a proper diet, health care and exercise, caging meets minimum specifications and that the neighborhood setting is appropriate." There are yard, containment, housing and care requirements. Those animals that are 75% or more wolf must be permitted as Class II wildlife."

As far as home insurance is concerned, your best bet is to call around. All insurance companies are different.

You should also contact your local ASPCA or Animal Control to ask about liability insurance if you plan on keeping a wolf dog. There are some states that require million dollar liability insurance (completely separate from home insurance) and $500 licensing fee p/yr (separate from a permit) if you have a dog that has any (known) wolf content in it.

Brenda Said:

What insurance company has the best prices for home insurance?

We Answered:

Call several from the yellow pages that offer best pricing, get quotes and compare. Insurance is a competitive business, but you do have to shop and know what you are looking at, apples to apples (if someone offers oranges, you have to be able to know and to compare).

Doris Said:

My friend wants to be a home owner in florida but wants to know insurance prices first?

We Answered:

For the best rates, have your friend speak with an insurance broker. A broker works with several companies and can find the best rates. To find a broker in South Florida, log on to a website like http://www.homeownerswiz.com and fill out a form requesting a quote. Good luck!