NLIC.org

Bessie Said:

does renter insurance cover accidental gunshot holes?

We Answered:

Your renters insurance specifically excludes coverage for damage to any premises you rent. But if he doesn't live there, then his liability insurance WOULD cover accidental damage to YOUR apartment.

Juan Said:

Does Aflac's Accidental Insurance cover Chiropractor visits?

We Answered:

Ouch. $400?! I would shop around for a different one if I were you. I don't have the greatest insurance in the world, but I do have it and visits to the chiropractor only cost me $14. I think the initial visit is $74 if I haven't yet met my deductible. But there has just got to be a more reasonable chiropractor in your area. Find one and then make sure you go. I went to mine after an ATV accident instead of going to the doctor and my chiropractor shortened my convalescence by an amazing amount. Reduced pain immediately as well.

Rick Said:

Accidental Death Insurance to cover home - to purchase or not to purchase?

We Answered:

Accidental Death Insurance provides very limited protection for the cost. You would be much better served purchasing a Term Life Insurance Product for the money. I advise that you sit down with a life insurance agent or financial planner that represents various companies so that they can run a Financial Needs Analysis (a review to determine how much coverage you need) and then provide you with a few options and the costs. I would also have them review if you have sufficient coverage to protect your income, i.e. Disability Insurance.

I hope this helps. Good Luck!

Michael Said:

Would normal building insurance cover a leaking pipe within the floor screed of the ground floor?

We Answered:

It actually depends on what caused the leak, and what type of insurance you have.

Some insurance companies will provide "access", but will not cover the actual repair.

For example, if a pipe begins leaking in a floor, and the floor needs to come out to repair the pipe, they may pay for the floor (access), but definitely will not pay to repair the pipe; unless the damage to the pipe is caused by a covered peril, such as freeze, fire, lightning, etc.

Kathy Said:

Where can I get iPhone insurance that will cover accidental damage?

We Answered:

I picked up my 4 today at AT&T and they told me about MobileProtect. Gave me a brochure. Website is www.mymobileprotect.com. Not the cheapest, but covers everything. AT&T rep strongly recommended it.