by masteris009 » Sat Oct 25, 2008 05:09 am
During a cold snap, the pipes in your building freeze and burst. While doing a load of laundry, your washing machine overflows. A heavy rainstorm causes water to leak through the roof of your building--and you live on the top floor. Water damage occurs frequently, so it''s a good idea to know what is (and isn''t) covered by insurance.
Posted: Mon Apr 13, 2015 01:39 pm Post Subject: qMTYNoasuS
This is a question that cnnaot be answered by others. Sometimes State Farm will be the best rate other times it will not. What you should do is shop around. I would start with some offices that may be referred by friends and definitely make sure a reputable independent agent is one of the places you visit (if you get a quote from at least 3 places chances are you will have a pretty competitive rate). Independent agents have access to more than preferred market where companies like State Farm, Farmers, Country Companies, Allstate, American Family use captive agents which only have access to one product their own.In the process of getting quotes you need to get an apples to apples comparisons. You can do this by giving each agent a copy of your current policy declarations pages, and tell them you would like a quote based on what you already have. To many times an agent will cut coverage corners in order to beat another quote. Another thing you should do is disclose any and all traffic tickets and the dates they occured as well as auto accidents even if they were not your fault. The companies will find out regardless and will raise your rates after the fact. You should be able to get a copy of your Motor Vehicle Records from the DMV. Also be willing to sign up for automatic payment plans, some companies give a decent discount as well as waiving the monthly billing fees.In your search I would avoid On-Line only companies like Geico, Esurance and any Direct version of a company that you can get through an agency. The reason they may sometimes be less expensive is because you have no agent, and you get what you pay for. So unless you are pretty savy with the whole insurance thing I would avoid these companies
Posted: Tue May 19, 2015 10:15 am Post Subject: JbEcUXAwAyu
You need a local, independent agent. When you say, the coaermciml policy doesn't meet your needs, what EXACTLY does that mean? A six unit apartment building IS a coaermciml risk. With coaermciml policies, you can pick and choose which coverages you want. You have to buy your insurance from someone who's licensed to sell insurance in your state. But as you might have noticed habitational isn't exactly something insurance companies are crazy to write. The losses are higher, and the account maintenance is WAY higher, so the premiums are ALSO higher. If you're comparing the coverage to a HOMEOWNERS policy, that's like comparing a cat to a parachute. Call around to a few LOCAL, INDEPENDENT agents, and go talk to them.
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