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Milton Said:

quotes on homeowners insurance?

We Answered:

Its best to meet with a local agent to discuss what replacement cost would be. Here is a list of local agents: http://www.insuremyhouse.com

Geraldine Said:

How can a Nationwide insurance agency discriminate aganist a breed of dog trying to obtain homeowners insuranc

We Answered:

I have to say, I support the insurance company on this one. They have to manage risk, and part of that risk the dogs people own. Unfortunately, there are quite a few really bad pit owners out there. Don't blame the insurance company, blame the irresponsible owners.

Besides, to make a comparison- a regular doc's malpractice insurance is about a fraction of what it is for a ob- have you ever wondered why there seem to be a larger number of docs getting OUT of the baby business? Used to, all gyns did OB, now, that number keeps dropping. Mostly because they can't afford to pay the insurance AND deliver babies. Are the insurance companies discrminiating against OB's?

Eddie Said:

What information do I need to have ready to request a quote on homeowners insurance?

We Answered:

"Basic coverage" is like "clothes". It's so generic it means almost nothing. And come claim time, if you have a standard, unendorsed HO3 form, you'll probably be VERY unhappy to learn what coverage you do NOT have.

So take the time to sit down with an agent, and ask for their coverage recommendations.

As to what you need, here's a partial list:

your name, date of birth, social security number (for the credit check)

the exact address of the house

the cost to rebuild the house. If you don't have it, the agent can calculate it from the square footage of the house, and all the options

The distance from a fire hydrant and fire station (rough distance)

the age the house was built. The age of the roof, wiring, hot water heater, furnace. If there are any "other structures" like a pool.

The TYPE of wiring. the TYPE of roof. The type of construction (brick? stone? frame?)

As far as great quotes, I'm really fond of Erie and USAA. Travelers does a great job, too. But you might not be able to GET one of those policies in your state. Not all companies write in all states.

So you need to talk to one - or more - local agents, to get quotes.

Vickie Said:

I have a homeowners insurance quote but I can not buy it yet because the insurance company put a hold...?

We Answered:

At the office I work at, we have nine home insurance companies and all of them are currently suspending binding new policies at this time. But just wanted to let you know you should shop around before deciding to go with Citizens. There are some companies still writing new business in South Florida and I am sure they could save you money. If you would like a quote, please contact the agency I work for in Tampa at 813-655-0910.