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How can I negotiate a better price on my home owners Insurance?

How can I negotiate a better price on my home owners Insurance? They rasied my premium about $70, and I lost one months coverage because the agent listed the policy a month early, so now now the premium is now due earlier also. And I haven't even paid the premium until a month later. Anyways I keep getting the run around, they can lower it but they need $1000 deductible. I do not want the Auto tied into this, its under a different name. This raised the dwelling and personal property which is 70% of the value. I'm sure the real value went down this year.

   








Provisional Driving Insurance?
Is insurance must for Two Wheelers?
Competition in health insurance will lower cost right?
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Cheapest car insurance?
Higher Insurance for 2 door or 4 door?
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Car Insurance Gangsters :(?
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State of illinois insurance?????????
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Car Insurance Coverage HELP?
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Who offers cheapest auto insurance for 25 year old males in la?
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How would I go about getting a loan out of my TSP?
How do I get any of my whole life insurance policy payments credited should I want to cancel?
Is a 93' mustang hatchback cheap on insurance cause its a hatchback?
What are some low stress jobs with health insurance and a comfortable salary?
How many people in the United States don't have health insurance?
How many people in the United States don't have health insurance?
Question for someone who is familiar with car insurance companies?
What is the best pet insurance for dogs?
Good insurance companies for 17 year old passed my test!!?
Verifying Vehicle Registration Details on line for Delhi Vehicles?
Car insurance lapsed in CT what would be the steps to reregister car & get insurance?
Will my homeowners insurance drop me if my dog bit someone?
How do you get insurance and registration over the phone?
I'm moving to California to Hawaii, can I use my dental insurance in Hawaii?
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How will universial health affect the insurance industry?
How much insurance do you guys pay for 2005+ mustang gt?
Car suggestions?
I make $500/month and want to put $1000 down on a $8000 car mom pays insurance...how much will payments range?
Can young drivers get cheaper car insurance with really big excess?
Do health insurance companies ever reimburse people for healthcare they paid out-of-pocket for?
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When doing an online insurance quote what is considered full coverage?
I live in Indiana but will be moving to Michigan


Short term car insurance in the Netherlands?
Hello, I bought a Dutch registered car here in UK and it seems the only place I can insure it to drive it to my house is the Netherlands. No insurer in UK wants to issue an insurance on no UK registered car. Can anybody recommend a insurance company in the Netherlands or their web site where I can 1-2 days insurance and do this in English, It would be much simpler to wright a few key words in Google in Dutch but I can't. Thanks Thanks"


What is the best car insurance for a traveler?
Hi, me and my partner just bought a car in Auckland. We are traveling around New Zealand for around 9 months and was wondering which is the best vehicle insurance we can get."


What is the cheapest insurance if you have a DWI?
Transfering from Missouri where I have American Family. I am moving to Louisiana and American Family doesn't write there. I've only looked at progressive and they were pretty expensive, mass mutual wouldnt take an SR-22. Any suggestions?"


Do I suppose to get free home insurance when buying a new mobile home?
I am in the process of buying a new mobil home and I keep hearing that if I buy a new mobil home my first year of home insurence is suppose to be free. I really need help right now. If is is not free I can get home insrurence from another company that will not be on my home payment.


Life insurance pay question.?
If you died while committing a crime (not suicide) would the insurance company pay out?


Will reporting an accident affect my car insurance?
I am 22 and a named driver on my Grandads policy, 3 months ago I was involved in an accident which wasn't my fault, the damaged to my Grandads car was minimal so he decided it wasn't worth claiming for. We assumed the other driver went ahead and claimed off their own insurance and left it at that. My Grandad received a phone call from a solicitor 3 weeks ago about a Non fault accident"" and he assumed they were referring to the accident and that the other person had admitted fault. He then reported it to his insurance. It turns out the phone call from the solicitors was a cold call and the other person involved in the accident is now denying fault. My grandad just want the whole situation to go away but is worried he has opened a can of worms"


Has anyone ever heard of a Bond that works as Car Insurance?
My fiance's dad said that there are bonds out there that act as car insurance. I never heard of that. He said you buy the bond, and it is good until you get into an accident, then you have to buy a new one. I think he's crazy, but if anyones ever heard of that please let me know."


Can a wife get a life insurance policy on her long term ..incarcerated spouse?
Can a wife get a life insurance policy on her long term incarcerated spouse?


Good place to buy car insurance for an 18 year old?
I'm 18 and just recently passed my driving test. Problem is, my Dad wants to put me down as a second driver on his car but it's a BMW sport with a 2L engine. The cheapest quote I could find is 4,500 annually, which my Dad is not prepared to pay of course. Some companies were even asking for 40,000 which is just a joke! I have been driving this car for over a year and now that I finally have my license, I'm pretty annoyed that I'm not able to drive the car that's just sitting outside. Anyone know any other routes I could take? Weekly car insurance? Monthly? Ideally I'd like to have a quotes of less than 1600 annually, but now it seems unlikely. Buying another car is not an option as I'm going to Uni in a couple of months and will not be needing it anymore. Any suggestions would be helpful, thanks."


Which are the best reliable life insurance company?
I am looking for a competitive life insurance offer from a top-rated company. I am an expat working in Saudi Arabia.


What is the Cheapest car insurance for an 18 year old with a license for 4 months?
I have a 87 Toyota supra. The cheapest we've found was 119 a month! Is there better though?


How much should I be paying a month in car insurance?
I'm going to be buying a car hopefully in the next two weeks, and I'm just wondering what the average rate I should be paying for car insurance should be. I'm 23, live with my parents, would be parking in the garage, and the car I would be buying is a 2012 Honda Civic LX. I would mostly be using it for commuting to and from work, I've never had a car before so I know it's probably going to be somewhere around $300/month. Note: I live in Canada so if you're in the states there will probably be a big difference in how much I pay."


Question on Divorce and Auto Insurance?
Background: My wife left me and is filing for divorce. She took her car which is a marital asset that both of us own. She has since left the state to move in with a friend and I cannot get a hold of her as she will not return my calls. Update: Our current auto coverage is set to expire on 10/17. I have taken out coverage on myself through a different company, set to start on the 17th. As of the 17th she will be uninsured unless she takes out her own policy. Is is my responsibility to make sure she is still insured on my policy? She won't return my calls or the calls that my new agent has left for her so my hands are tied. I just want to make sure I'm not doing anything that may bite me later. I also don't want to have to foot the bill for her portion of the insurance given that she doesn't live with me anymore and doesn't even live in the same state. Anyone have any thoughts or has anyone been through a similar situation??"


Claiming Dependents and Health Insurance - Tax Questions?
My g/f moved into my fathers household with us last march/april when we found out she was pregnant. She kept her parents insurance through the pregnancy since we didn't get married. My dad wants to claim her as his dependent for last year, since she was a full time student for both semesters last year, which he has the right to do. But my g/f has a concern with her insurance thinking that her parents could get in trouble due to insurance fraud if someone else claims her other than them. Is this a misplaced fear or could it have bad consequences. She says her parents claim that they signed a paper for the insurance that she was living under their roof or something to the effect, which seems fishy to me. They have BlueCross/BlueShield if that will help you guys any. Any info would be appreciated."


How can I negotiate a better price on my home owners Insurance?
How can I negotiate a better price on my home owners Insurance? They rasied my premium about $70, and I lost one months coverage because the agent listed the policy a month early, so now now the premium is now due earlier also. And I haven't even paid the premium until a month later. Anyways I keep getting the run around, they can lower it but they need $1000 deductible. I do not want the Auto tied into this, its under a different name. This raised the dwelling and personal property which is 70% of the value. I'm sure the real value went down this year.


New driver and car insurance.?
I'm 15 and I turn 16 on dec 27 and I already have a car and I've seen a lot of car insurance companies commercials but I don't know which one is best. They say they offer great stuff but I don't know which one to go with. Please help me because I want to have my car protected I just don't know which car insurance company is the best one out there. Thanks for helping <{ *__*}>


Problem with insurance?
I got in an accident that I am not in fault. Basically I was stopped at the intersection behind the red lights. A car from opposite side ran the red light hit the crossing car and the second car spin and hit my car. I have full caoverage and fixed my car with my insurance and have my insurance claim the money from the first driver insurance company. I rent a car under my coverage and also pay $500 deductable to fix my car. Now is almost a month pass and I keep calling my insurance to know if they got paid by the other insurance and requesting to pay me back for rental and the 500. My insurance is telling me that they may not be able to get ever thing they might be get only the cost of the fixing my car. What should I do? Should I sue my insurance or not?


Can i be a named driver on more than one insurance policy?
Can i be a named driver on more than one insurance policy?


Car insurance for a new driver?
I will be driveing soon how much on average is car insurance for a new driver?


Whats the difference in forcing americans to get auto insurance or face a fine versus ObamaCare fine?
Alot of people are upset because it forces one to have insurance or be fined. The same thing applies to auto insurance. So whats the difference?


Why does Allstate keep increasing my insurance rate?
I am 26 years old, in California. I have had Allstate for almost 2 years now, and every 6 months my rate increases. It went up $200+, and I have not had any tickets/accidents/claims, and I have not moved. When I asked them about this, they just said they are adjusting their rates due to zip code. Seems like bologna to me. Has anyone else had this problem? Which insurer do you recommend?"


Our church's insurance co. says that anyone who offers a ride to certain persons must give proofs to the insurance co as noted. True?
The bus ministry drivers all have the proper requirements for driving all passengers, including children. Just to be clear. I know of people who occasionally give a ride to someone who has some form of disability - and this is the area I am mostly inquiring about. They are being asked to do all that reporting TO the church and submit to a criminal background check as well. Shoot, most people who GO to church are people that are looking for a way UP and many probably DO have criminal records."


Auto insurance cost when not parked at home address?
Auto insurance cost when not parked at home address?


How much does it cost for a private jet to buy and maintain UK?
Just a small plane how much does it cost to buy and run just curious as I live near a airport and see a few on a regular basis in gbp please


What is the insurance cost for a 16 year old guy with a ford mustang 2004?
What is the insurance cost for a 16 year old guy with a ford mustang 2004?


Health Insurance delimma.?
I have just recently been diagnosed with a form of cancer(Colin)from what my Docters tell me it has been caught in the early stages and prognosis is good.Well if that wasnt enough bad news for the week ,I just found out my Job is going to have a massive Lay Off come October.Now since my job pays for my health insurance ,will I lose it.Or is there some law that states they have to cover you if you were diagnosed before losing your job.Even if job wasnt laying off I most likely would have to leave temprarily while having treatments,would I have lost insurance then too.Anyone else faced this,or know someone who has.How to go about keeping the health Insurance?I am just confused at what to do or expect.."


Financial Aid and University Health Insurance?
Okay so I was accepted into YSU and the only way I can attend is if I live on campus. To do so I'm required"" to have health insurance. The university offers a policy for students but it's a bit over seven hundred dollars. And I already have to pay a two hundred dollar security deposit. I really don't have over nine hundred dollars just laying around. I was just wondering if anyone knows if financial aid can cover the school's health insurance or if I can get some sort of loan to pay for it. I tried talking to some of the school's staff and I basically got"


Can a dying person get life insurance?
My husband is the only family member. We cannot absorb this and I am in a panic.


Do you pay health insurance the deductible monthly?
Gal: it's calendar year Zarnev and anon are more the response i was looking for, but Zarnev sounds like it's more on target. $25-$30 sounds more like co-pay, and that and deductible doesn't count towards OOPmax So basically, does that mean deductible of $750 is how much you pay for services annually (plus premiumx12), and then on top of all that your total annual payment towards health services won't exceed the OOPmax of $5,000 (but does not include $750) so your net spending towards health services/insurance won't exceed $5,750+(12*premium)+all co-pay? And then with the deductible do you make a one time payment type-thing of $750 so you have that balance, and then depending on your services you use they deduct from that balance which is why it's called deductible""? And after the $750 is used up the rest is considered out-of-pocket?"""


Why's my insurance so high at 19?
Thanks for the reply's everybody, helped me a lot. Can you please point me in the right direction for a first car or any good insurance companies. I'm only an apprentice so my wages are rubbish so i cant afford much when it comes down to insurance. I'm trying to do it myself without having to ask my parents for help as well."


How can I negotiate a better price on my home owners Insurance?
How can I negotiate a better price on my home owners Insurance? They rasied my premium about $70, and I lost one months coverage because the agent listed the policy a month early, so now now the premium is now due earlier also. And I haven't even paid the premium until a month later. Anyways I keep getting the run around, they can lower it but they need $1000 deductible. I do not want the Auto tied into this, its under a different name. This raised the dwelling and personal property which is 70% of the value. I'm sure the real value went down this year.


Is this normal for home insurance?
I have AAA-California home insurance and we had an incident yesterday involving a squirrel and our fire suppression sprinkler lines. AAA says they only cover the damage caused (carpets, sheetrock, moisture, etc.) by the squirrel eating through the lines, but will not cover the cost of repairing the lines. Is this standard for all home insurance, or do I just have a crappy policy?"


Describe how the insured party may claim pro-rate refund of premium if the insurer cancels the policy?
Describe how the insured party may claim pro-rate refund of premium if the insurer cancels the policy?


What do you like most about tying health insurance to employment?
Isn't it a good way to keep employees in line? I mean, well"


Cosigning for a car and insurance?
I just financed a car, I actually cosigned while and the other person was the primary. I will be the driver of it and not them. The banks wanted it to be that way. Do they have to be on the insurance?"


Just hit a deer while ago (Questions about insurance)?
While ago a deer ran out in front of me and caused a bit of damage to my 2002 Toyota Camry. Although the damage doesn't appear to be [i]too[/i] bad, (hood and bumper are bent, and the right headlight is a bit out of place though it still works fine, car drives fine) I didn't have my cell phone so I had to drive back home (not very far) from where the incident happen. 1. Will the insurance still pay because I left the scene? (I wasn't speeding, had my headlights on, and our seatbelts) 2. Will my insurance rates go up? (The damage [b][i]can't[/i][/b] be over $2000, so I can just pay that huge bill once, but that higher insurance will haunt me forever) 3. Will this go on my driving record? (The car is still very drivable and neither me nor my passenger were injured in any way). (I did not get a police report, at least not yet)"


Does the official DMV website offer a free point insurance reduction program?
my friend recently complete an online 6 hour class to reduce his insurance rates by 10%. he told me the class was free and that he found it from the dmv official website. but when i go on the website, it only directs me to classes from private companies that aren't free. does the dmv website offer a Point Insurance Reduction Program (PIRP)??? http://www.dmv.ny.gov/broch/c32a.htm thanks!!!"


Do you know any affordable health coinllege students. My parents don't have insurance and?
my college doesn't have a health plan


How much does a volkswagen campervan cost?
ok, like an old fashioned camper van, how much would that cost?"


Affordable dental insurance that includes braces?
I live in Santa Maria Ca,93458"


Do you need car insurance if you're bonded?
If I have a SR22 bond do I need car insurance as well? I've heard about them letters the BMV sends out and I don't wanna lose my license if they ask if my car is insured.


"How much will it cost for liability insurance for property maintenance, residential construction and masonry?"
I have just registered my business. This business specializes in residential property maintenance, residential construction and residential masonry. I would like to know approximately how much I will need to put down for liability insurance that would cover me if anything was to go wrong. I have no employee's and no vehicles to add on. I want to only be covered for liability. Thank you very much and I hope to have a better understanding on this matter soon thanks to you!"


What do liquor liability insurance papers look like?
Like if you need to confirm that you have it, what do you show people?"


Will I lose my cash accumulation value if I cancel my whole life insurance?
I am realizing now (6 years after opening) that my whole life insurance policy is a bad investment. I notice on the policy there is a cash accumulation value and a cash surrender value. They are grossly different. If I cancel the policy do I only get the cash surrender value? If so, is there any way to get more? Do I just admit making a financial blunder and walk away from the policy?"


Need cheap no-name insurance companies for motorcycle insurance?
Well, i live in Florida where motorcycle insurance is not required at all. But I need comprehensive insurance at least (and maybe liability too) so that I wont have to cry over a stolen bike after a week of purchase. I'm buying this bike in cash (2008 ninja 250R) and still big insurance companies like progressive and geico will charge me a thousand bucks a year for liability and comprehensive coverages alone. So, I need to know the names of some small insurance companies who wont use their big and flashy names to jack up their prices. please help. I dont wanna pay 1000 bucks a year for a 3500 dollar bike. Thanks."


Does the name of the car and insurance have to match up?
does the registered name of the car have to match up with the policy. that is is joe is the legal owner, can the policy be named for sandy."


How can I negotiate a better price on my home owners Insurance?
How can I negotiate a better price on my home owners Insurance? They rasied my premium about $70, and I lost one months coverage because the agent listed the policy a month early, so now now the premium is now due earlier also. And I haven't even paid the premium until a month later. Anyways I keep getting the run around, they can lower it but they need $1000 deductible. I do not want the Auto tied into this, its under a different name. This raised the dwelling and personal property which is 70% of the value. I'm sure the real value went down this year.