Home Insurance Blog | InsuranceDiet.com

Whats the difference between home insurance and rental insurance?

for my rental property? Is it a good idea to switch home insurance to rental insurance when a tenant is living in my rental property just in case if they smashed some holes on the wall, or some damages on the property? Where i can compare home insures?
Thanks!
You need to change or they will not pay if you have a claim. Holes are not covered, neither is most tenant damage. But, you still need fire damage, weather, etc etc.
Also, if you are going to allow animals check your policy, they are not likely to cover your property if you allow any dangerous animals.
Try this site
http://best-home-insurance-comparator-usa.blogspot.com/
Here you can get quotes from different home insurance companies in your area, its the best …

Why home insurance companies are sensitive to lapses in the insurance?

When I shop for a home insurance I am always asked if my home is currently insured or if there are lapses in my insurance policy. Some companies outright refuse to give me a quote when I tell them that I haven’t had home insurance in the last 3-4 months. I am wondering why this is important for them?! They just referred to their company policy and did not give me any meaningful reasoning. Who’s the best company for home insurance? Thank you for your answer.
http://best-home-insurance-comparator-usa.blogspot.com/
Here you can get quotes from different home insurance companies in your area, its the best way to find an affordable home insurance with a reliable company.
Insurance companies are wary of lapses in any kind …

What homeowners insurance providers will insure a customer with a snake?

I have been actively seeking homeowners insurance and for some reason no one will insure a customer with a pet snake! My snake is a nonvenomous exotic breed that is extremely common as a pet (ball python). Any suggestions on a provider?
Try this site
http://hinsurance.notlong.com
here you can get quotes from different companies so you can find the best option for you.

Does home insurance cover when you rent out the house and the tenant causes a house fire?

Does home insurance cover when I rent out the house and the tenant causes a house fire (assuming the house completely burnt down)? If not, do I need to buy landlord’s insurance or ask the tenant to buy renter’s insurance? Where can i compare home insures? Thanks
Try this site
http://best-home-insurance-comparator-usa.blogspot.com/
"Homeowners insurance" covers the owners dwelling [house/garage] and contents [owners personal property on the premises]. "Owner" [landlord if he is the owner] takes out this policy and is responsible for the premiums. If building is leased or rented out, it does NOT cover tenants personal property, such as furniture, electronics, etc, or even tools borrowed from a neighbor.
"Renters insurance" covers the tenants personal property only. They take out this policy and pay …

Why is my online home insurance quote cheaper than the 1 they sent me, its the same company?

It always happens, the renewal quote is always more expensive, ring them up and I bet they will go with the on-line quote to keep you as a customer.
Also go on comparsion sites to see if you can further beat the company you are with http://www.moneysupermarket.com or http://www.confused.com

Will an insurance company insure our home if there is a unpermitted cottage?

I’m in the process of buying a foreclosure home (Saratoga,CA, can’t transfer the insurance since it has already lapsed) that has a detached unpermitted cottage (2 bedrooms, kitchen, bathroom and living room total of 900 sq ft), the main home also has a unpermitted converted garage that is used as a in law quarter (separate entrance and full bathroom), it also has a unpermitted sun room too. I really love the home and tried looking for home insurance but it looks like no one will insure me. Is there anyway I can get insured for this property without having to lie about these unpermitted additions to the insurance company? Any advice would be appreciated and any suggestions which insurance company …

If i claim Home Insurance on current house,wud my insurance be high in a new house?

Hi
Im thinking about using my insurance to repair water damaged area at my current house, would this increase my house insurance cost, if i moved to a new house. Or would the insurance be only high if i use the same insurance provider?
A claim will raise your rates on your current home and the new home. You will lose your claims free discount for a certain amount of years.
And, you may not even be able to get insurance on another home unless you stay with the same insurance company.
Depending on how much damage you have you might not want to put in that claim. Talk to your insurance agent for advice.