Home Insurance Forum

Thought of sharing about Title Insurance and Real Estate Insurance.

Title insurance protects both real estate owners and lenders against loss or damage occurring from liens, encumbrances, or defects in the title, or actual ownership of, a property. Insurance agency performs commercial and residential real estate transactional work and assists with the purchase and sale of real estate, including negotiating, drafting purchase agreements and other documents, ensuring good title, and closings. Visit http://www.broward-lawyer.com/real-estate-title-insurance/.

Hi, I am in the process of getting a home insurance. I got quotes from AMFAM - for a H05 Gold Elite policy and one from State Farm. With AMFAM the inital rates are $200 less than state farm - but they have a welcome discount now and I guess I would lose it next year and the rates would go high. State farm says their price would not change much year after year like AMFAM. Also Statefarm agent says its a BroadForm Insurance and covers every stupid thing. Not sure which way to go. From a policy perspective is an AMFAM H05 better than the State Farm BroadForm . or is State Farm better?

Do insurance companies generally make more money on high vs. low deductible homeowners policies? Or do they price it fairly to cover claims plus expenses evenly for both? Or, similarly, do they pay out the same percentage of policy income on low vs. high-deductible policies? Obviously this question is across large pools of insureds, not on an individual basis.

Thanks!

I purchased a trampoline a year ago and my 5 year old loves it. My Homeowners insurance just notified me that it must be removed or face policy termination. I know they are liabilities but I really dont care and want a way around this. Perhaps a homeowners insurance company that will allow it? Thanks.

at first a friends ask me to help him fix little things in his illegal extended part of the house. after I started the work he ask me to help him break down that part of the extension to rebuild a how new extension with permit. I refused to do it because it became to big. I begged and bagged because it cost to much for them to hire a contractor. So I agree to help him but do it myself, I help them find contract to do most of the work. I had to take time off work to help him. I will do the finished work. Now that its down, he decided he doesn't want to back me up to continue his project.

I purchased my house Apr 2016 For Sale By Owner. It is still in the Property Owners name and the Owner has insurance on the property currently. 6 months ago they filed a insurance claim on the house for hail damage (and is leaking when raining) but has no intention of making the repairs to the house. When I asked him about the roof and the insurance claim he told me I bought the house "as is".

If a bank owns a home, do they insure it? Just wondering. It seems it would be a double standard if they didn't...

My house was damaged by Hurricane Irma in FL. My policy is for replacement cost on the structure. The insurance depreciated the roof & sent sent the check with $3300 held back as recoverable depreciation, which I NEED to get back.

The damaged roof was a 3-tab asphalt shingle roof. I'm replacing it with a metal roof plus peel & stick under the metal. This is a better roof & more expensive. I understand they don't owe me for the upgrade, but my invoice for repairs will state the replacement being metal.

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My roofer who I have previously been happy with for a previous major repair (good work/reasonable price) is now telling me something I find wrong in relation to recoverable depreciation but I am not an expert and I certainly am not trying to commit fraud. I'm located in Texas

Scenario is like this: