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Can I decrease my home insurance coverage to save money?

I bought my home for 95K five years ago in Texas. I just finished paying off the mortgage so now I am free to change my home insurance coverage. The value has decreased to about 87k now but my policy covers the house for 145k as the cost to completely rebuild the place in case it gets blown away by tornado I guess. I can easily find another home like the one I have now for around 90k so is there any reason to keep my current policy? They charge over a thousand dollars annually and I am just looking for ways to cut costs.

   








How much time is given for car insurance company to settle a claim?
How much does it cost to add a teen driver to an insurance?
Tax and Insurance question for a Young Person?
Trying to find cheap car insurance?
How much is your car insurance?
Learners permit insurance?
Which insurance company is the cheapest for a young female?
Value of the car has deteriorated after a no fault accident, what did you do for this similar case?
Failed to prove car insurance at a traffic stop.?
TO CAR REPAIR ESTABLISHMENTS~~~NAME THE BEST AND WORST CAR INSURANCE COVERAGE TO HAVE?
How much does having a reliable car and insurance effect child visitation through the courts?
How much more will the insurance go up? From Ford Ranger to Ford Mustang.?
I have an old pickup truck but can't find a price to get an insurance quote.?
One Day Rental Car Question?
Starter car for 17year old?
Best car for cheap car Insurace?
My mom wants me to live at home forever?
Do you need to be insured as a learner driver?
Address on insurance and car registartion is different?
How much will car insurance cost for me?
If I don't have dental insurance?
Is it normal for auto insurance cost to go up every renewal?
Since obama care covers nothing , isn't cheaper to just pay the ACA penalty and have NO so called insurance ?
What is the Cheap Life insurance?
How much does scoliosis surgery cost with insurance?
Both Canidates say they will make insurance affordable, no #'s are given - what is affordable?
Cheap health insurance for college students?
What kind of insurance company do I go through to insure a rock show?
Could someone give me an estimated price on my insurance?
I'm 16 and Looking at a 2003 Mach 1 Mustang how much would Insurance be?
Total lost car INSURANCE?
Would you believe that Fox Mewz" is actually running a story about Obama sending his campaign team to insure Netanyahu's election loss?"
I need super cheap health insurance?
I need super cheap health insurance?
Need advice about suing homeowners insurance?
Home Insurance : I buying my first home in Georgia and need home insurance, what should I pay to have covered?
What is the average number of clients a Insurance agency has say for 2-3 years in the business.?
DHL wants 2550 euro insurance fee?!!!?
I've got a '74 Dodge Avco RV, how much would it cost for insurance?
What is a car insurance raise depend on? ?
Motorcycle trip in california, suggestions?
Can the Insurance company charge me 20% of repair?
Insurance? what will happen?
Does anyone know where i could get a car for my driving test? I need insurance as well. I am 16 years old?
Car insurance Scion tC vs Civic Si Sedan?
Car insurance and crash?
How much would car insurance be for a 16 year old with a 1999 ford mustang cobra?
Traffic Citation for no car insurance What should i do?
Cons : Is it good conservative business practice for a health insurance company to pay $ 600K to keep a person alive for 6 months ?
How much is auto insurance in China for an American?
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Cheap cars to insure ? and good places to get it insured.?
I turn 17 soon and haven't got a clue on what type of car to get.I'm a student so I don't have a great cash slow . So what cars a good for my age and where should I go to get it insured?


What do you think about state farm's return of premium term life insurance?
What do you think about state farm's return of premium term life insurance?


Who is looking for affordable health insurance?
life insurance, health insurance, long term care"


"What are some affordable health insurance options for those with preexisting conditions, here in Wisconsin?"
I have a friend who is 31 years old, and is unable to find health insurance due to the fact that she had a heart attack a few years ago. I'm sure that she is only one of thousands of people in the same situation..but there has got to be some way to get affordable health insurance for her, here in Wisconsin. Is there anyone out there who has been in this situation, and has lucked out in finding affordable health insurance? We have been looking, but as of right now...to no avail."


Auto Insurance rates?
hi there. I'm doing a project for school that requires us to find the auto insurnace rates for people of the following categories: >a male just getting their licence (who has taken driver education classes) >a male just getting their license (who has not taken driver education classes) >a 25 year old male (who has taken driver education classes) >a 25 year old male (who has not taken driver education classes) >a person convicted of driving while intoxicated


How much would my insurance rate differ?
I am 16. I currently drive a 1996 Subaru Impreza. How big would the change be if I switched to being insured on a 2000 VW Passat? Is that even how insurance works? Or am I insured on all vehicles in the household.


Why are health insurance premiums skyrocketing?
Jotacar: The links that I provided are not from Fox News. They are from Forbes.


Can an auto insurance company deny coverage for a person convicted of a non-driving related felony?
Time has been served; now being told that obtaining auto insurance will be difficult. Need transportation to work and continue life in new direction - vicious circle. What, if any, companies might be best to check?"


My employer offers both term and whole life insurance polices. Should I get both?
I know I'm going to get the term life, but I'm considering one of two things as well: get the whole life or get more term life and put the savings into the 401(k) plan."


How much money would a 16 year old have to pay for yearly insurance for a sports car?
how much money would a 16 year old have to pay for yearly insurance on a sports car? for example a 1999 ford mustang


How much would the car insurance cost for a 2006 ferrari f430?
for a 25 year old


Insurance Coverage Driving Another Persons Car?
Suppose you had to drive another persons car because they were incapacitated, etc. If you got into an accident with them in the car - but you driving, would the car still be covered under insurance?"


"What are average prices for life, health, and auto insurance (any company)?"
I'm doing a project for school and what would an average price be for 2 people with just a regular car, like a honda or something, nothing fancy, for auto insurance. and for 2 healthy people for life insurance and health? i've website but you have to give all this info for a quote, but i'm just looking for an average froma ny companies."


Will this affect my auto insurance rate?
I accidentally hit a poll, no one was injured. Only damage to my front bumper. I went to a body shop and the estimate is ~$2000. My deductible is $500. Should I go through my insurance or just pay it out of pocket? Will a claim automatically make my insurance go up? I am a 29 y/o married male with a clean driving record."


Car insurance on a first car.?
I'll be buying my first car on Friday. I went to the garage today and was told I should come down on Friday when it will be ready to pick it up. My question is should I be getting my insurance sorted before Friday? I haven't put any money down on it as they said I wouldn't need a deposit on the car. Is it just the licesne plate number I need?


Can I decrease my home insurance coverage to save money?
I bought my home for 95K five years ago in Texas. I just finished paying off the mortgage so now I am free to change my home insurance coverage. The value has decreased to about 87k now but my policy covers the house for 145k as the cost to completely rebuild the place in case it gets blown away by tornado I guess. I can easily find another home like the one I have now for around 90k so is there any reason to keep my current policy? They charge over a thousand dollars annually and I am just looking for ways to cut costs.


Car insurance?
I am a newly licensed driver and i dont know who insures them. Please help. I am 19 and own a jeep cher. If you are or know anyone that could help it would thanked. I am also in California.


Where can a 16 year old male get his own auto insurance if he is the only licensed driver in the house?
Where can a 16 year old male get his own auto insurance if he is the only licensed driver in the house?


Is my car covered under my insurance?
I have a 2008 car that has full coverage even though it is paid off. My wife is not on the insurance. I am a former cop and from what she told me, the other vehicle is at fault because he came into her lane and hit our car, but there was no police report. I already called my insurance company and gave the normal information. My question is... will my car be covered because she is not on my insurance? I have been reading and people say the car is covered, not the driver so it should be, but I also read someone who said if someone lives with you and you did not tell the insurance company they could have possession of your car, that they may not cover it. I was a cop, but only did the reports. I didn't deal with insurance so I am naive when it comes to this stuff. I am okay with things going the way they should, but I don't want the insurance company tricking me into some minor technicality that will keep them from covering me. Is there anything I should do or not do? It was damage from the front to the back and we cannot afford to pay for it ourselves."


What could be the reason liberals say US citizens should be forced to buy health care insurance?
in spite of such a requirement being unconstitutional?


Why are the local prices for auto insurance lower than online prices ?
Why are the local prices for auto insurance lower than online prices ?


GAP insurance vs Full Coverage?
Im getting ready to buy my first car. I live in Indiana. I am being told getting GAP insurance is suggested, but from what they say. I don't see a difference in GAP and Full Coverage. So What is the difference between GAP insurance and Full Coverage. In Indiana, and what is recommended to do or get"


What is the car insurance system in UK? How much and what else?
Let's say I bought a car with insurance group 20 what do I have to pay per year. I know for the 1 st year I need to pay 1000 and then half of it for the later years. Except that what taxes and all do I have to pay? How much is it gonna cost to afford a car with all the legal issues? Age 18 , international student."


Taxes and health insurance?
How much will I have to pay when I do my taxes if I don't have health insurance?


"Americans Health Insurance In Guadalajara,Mx?"
I am over 70years old can I get any health Insurance in Guadalajara,Mex.?"


An insurance question.?
I have been with Farmers insurance Co. for over 20 years. I did some shopping around with Geico (only). They quoted me there identical coverage cost. It was almost $1,100. savings to me. Other than this great advantage...and my question(s) is/are... What would be my disadvantage (if any) if I go ahead now and switch to Geico? Are there hidden agendas that might hurt me by switching to them that I or most of the public do not know?"


Estimate how much car insurance would cost?
16 year old guy, with a 2001 Ford F250 Supercab, 160,000 miles. How much do you think insurance would cost per month?"


Whats a good cheap health insurance for a college student?
http://1webproxy.cn/health-insurance.html


Will my motorcycle license show up on the car insurance?
So before you guys rule me out as being immature about getting a motorcycle without my parents knowledge let me tell you about my background. I am a college student studying at Northeastern in Boston. I have my own apartment in Boston and I share with 3 other people. I pay my own rent and food and I work 2 jobs. I work around 25-30 hours a week and I am a full time student on top of that. I have a car that is under my dad's insurance and I pay for the insurance and gas. Lately, the insurance and gas is really killing me financially. So, I'm planning to give my car back to my parents and I will just get a motorcycle for the city. Its cheaper gas and insurance wise and its easy to find parking for it the place I live in. I have taken place the winter seasons and I'm planning to put it in a storage for the winter seasons. My question is that my mother is thinks that a motorcycle is unsafe and that its dangerous. I believe its up to the driver to be safe or not, and also being aware of the surrounding. My mom take cares of the insurances and she just tells me how much I have to pay her for the car, and I was wondering if I get my motorcycle licenses in MA, does it show up on the car insurance? I'm planning to insure the motorcycle on my own with a different company and register it under my name. So basically I don't want my parents to find out about it. I don't want to cause them any trouble. Lets say that I take my name off of the car insurance, but down the line I want to put my name back on the car insurance does my motorcycle license show up during re apply for my name under the car insurance?"


How does the good grades thing work for car insurance?
i am 17 and i have gieco...what do i do if i have good grades? and whats the minimum grade requirement?


"If healthy foods were more affordable, would health insurance be cheaper?"
Interesting point of view Kal....I guess my definition of healthy"" is different from yours. I don't consider any cereal or mild healthy (not that it's junk food per say)...and the price of living in NYC"


Can I decrease my home insurance coverage to save money?
I bought my home for 95K five years ago in Texas. I just finished paying off the mortgage so now I am free to change my home insurance coverage. The value has decreased to about 87k now but my policy covers the house for 145k as the cost to completely rebuild the place in case it gets blown away by tornado I guess. I can easily find another home like the one I have now for around 90k so is there any reason to keep my current policy? They charge over a thousand dollars annually and I am just looking for ways to cut costs.


Anyone know any cheap car insurance?
Im just trying to save a little money.


Where can i get complete information about business insurance ?
where can i get the complete data for business insurance ..


Ramadan: why do women get cheaper car insurances then men?
*tat


Auto Body Insurance Settlement?
A person rear ended me. Fender bender damage. I reported accident to both insurance companies. My insurance company recommended a few auto body shops. One auto shop gave me an estitmate for $1300 dollars. Another shop told me to work with the other parties insurance because I would have to pay a $500 dollar deductable. The other parties insurance estitmator gave me a settlement for $1000 dollars. $300 dollars less than it would take to repair. But hear is the punch line. The auto body shop said sign for the settlement. Take the money and he would negiotiate with the insurance carrier for any additional costs. But according to the fine print the settlement is final and I would not be able to collect any more money for unforseen additional costs. This is in New York state does anybody know if the auto repairer and the insurance companies are trying to cheat me! Please anybody?


Health and Maternity Insurance.?
My wife and I are wanting to have a baby and need to get health insurance that includes maternity. I have gotten a couple quotes, but they all seems somewhat high being that she is only 22 and in great health. Who would be the best and most affordable provider to talk to? Thanks, Dustin"


Im 17 i got pulled over for the first time going 63 in a 35.?
But i just got 3 size bigger tires put on my truck so my speedo is off, will that help in court? I got them about 2 weeks ago."


Do i have to pay custom if my package is insured via to Jamaica?
Do i have to pay custom if my package is insured via to Jamaica?


Car wreck....Why is his insurance calling me? Can someone please clear this up?
Thanks for all who answer, I apologize to those being condescending if they feel that I am wasting their time with my long question. I just like to give all information. I have never been in a car accident before and the trooper company just told me to pay the fine and the insurance companies will handle it. That's why I am asking."


Car insurance BS!?
I recently got into an accident. The accident was not my fault. The police were called and a report was documented and at the end the other person was blamed at fault for the accident and received a citation. Her insurer is GEICO and they refuse to acknowledge that she is the person at fault even though the proof is in the report. Also the officer declared her as the person at fault and there was also proof in the tire marks in the road which had the officer believe she is the person at fault. Unfortunately i a not covered for collision repair under my insurance and even if I was I wouldn't want my insurance to do anything because I didn't cause the accident. I didn't get any citations and was going the proper speed limit. My only option bow is to sue GEICO. What do you think my chances of winning the case are?


How much would my insurance cost?
I can't seem to get some of the online quotes to work?? I'm 21, have been driving since I was 16, with NO blemishes on my record. I (will) drive a 2006 Acura TL. Just a ball park number. Thanks!"


Ticket for no proof of insurance in FL?
I received a ticket for no proof of insurance, i did not have the card on me at the time but i do have insurance. When i go to court, will i have to pay the fine or will the ticket be thrown out?"


How much does a used car cost?
ok so we're thinking of buying a used car when we move to america, and well we have no clue what to expect. we've got about 10,000$ from selling our old car. so what should we be looking at? I'm thinking something that will add up to about 8000 after the repairs and insurance ( i want some leftover to buy gas...) What models will cost this much? and how much does insurance cost usually? what should we be looking at in the car to insure less repairs? thanks all! :D"


Insurance Quote for teenage driver?
Can you give me an estimated insurance rate based on the following - 18years old college student with 2 years foreign driving experience, one week old US drivers license - Never involved in any accidents - Toyota RAV 4 2009 4WD"


Can I drive my parent's car without auto insurance?
I am 22 , university student with G2 - 2006 , and G - 2008 license , Richmond Hill , Ontario , Canada can I drive my DAD car , his policy does not have my name . in case my name must be included , what are the suggested insurance companies ( probably need a cheap one ) because they might double his monthly payments"


Does the person requiring car insurance need to be the one on the log book?
when insuring a vehicle does that vehicle have to be registered in your name to be able to get insurance. I.e. could it be one name on the log book,and another on the insurance certificate."


Can I decrease my home insurance coverage to save money?
I bought my home for 95K five years ago in Texas. I just finished paying off the mortgage so now I am free to change my home insurance coverage. The value has decreased to about 87k now but my policy covers the house for 145k as the cost to completely rebuild the place in case it gets blown away by tornado I guess. I can easily find another home like the one I have now for around 90k so is there any reason to keep my current policy? They charge over a thousand dollars annually and I am just looking for ways to cut costs.