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Homeowners insurance question
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<blockquote data-quote="susiestar" data-source="post: 526094" data-attributes="member: 1233"><p>I don't know. Most times you get the insurance when you get the loan because it is required by the mortgage bank. The only way to really find out is to call various insurance companies and ask. We have had shelter insurance and been super happy with them. They are FAR less expensive than many companies, we have great coverage including replacement value which means if something happens we got a sofa instead of the value of the sofa we have minus depreciation costs. This is usually quite expensive but if you have a problem it can really save your bacon.</p><p></p><p>They also have our car insurance and the discounts we had were amazing. The prices were cheap to begin with then they piled on discounts for good driving records, no house claims, house and 2 cars, and something else I can't remember. When J turned 16 they called to see if we watned to add her, but were fine when we said no. My parents' company pushed them super hard to put Wiz on their policy even though he wasn't in driver's ed and didn't want to drive yet. My mom actually had to call her lawyer to find out if state law said that he had to be insured just because he was 16 even if he wasn't driving and didn't have his temps or license. She still stayed iwth hte same co, but was shocked when we compared the cost of our insurance and hers. She pays 3 tmes what we do and her house wasn't valued as high as ours at the time because ours was new and hers was not.</p><p></p><p>I do know that it does vary for mobile home coverage from place to place, co to co, and state laws do make a difference. But renter's insurance is not a bad idea. Just make SURE that it is legal to qualify for it with Tony as the renter though you live there. WHY? You ask? because if that violates some policy then you will just be out the payments and no claim will be honored no matter what. </p><p></p><p>Hope this helps.</p></blockquote><p></p>
[QUOTE="susiestar, post: 526094, member: 1233"] I don't know. Most times you get the insurance when you get the loan because it is required by the mortgage bank. The only way to really find out is to call various insurance companies and ask. We have had shelter insurance and been super happy with them. They are FAR less expensive than many companies, we have great coverage including replacement value which means if something happens we got a sofa instead of the value of the sofa we have minus depreciation costs. This is usually quite expensive but if you have a problem it can really save your bacon. They also have our car insurance and the discounts we had were amazing. The prices were cheap to begin with then they piled on discounts for good driving records, no house claims, house and 2 cars, and something else I can't remember. When J turned 16 they called to see if we watned to add her, but were fine when we said no. My parents' company pushed them super hard to put Wiz on their policy even though he wasn't in driver's ed and didn't want to drive yet. My mom actually had to call her lawyer to find out if state law said that he had to be insured just because he was 16 even if he wasn't driving and didn't have his temps or license. She still stayed iwth hte same co, but was shocked when we compared the cost of our insurance and hers. She pays 3 tmes what we do and her house wasn't valued as high as ours at the time because ours was new and hers was not. I do know that it does vary for mobile home coverage from place to place, co to co, and state laws do make a difference. But renter's insurance is not a bad idea. Just make SURE that it is legal to qualify for it with Tony as the renter though you live there. WHY? You ask? because if that violates some policy then you will just be out the payments and no claim will be honored no matter what. Hope this helps. [/QUOTE]
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