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The Watercooler
Homeowners insurance question
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<blockquote data-quote="family mum" data-source="post: 526230" data-attributes="member: 14457"><p>Sorry, from Canada here, so I have never heard of an ins. co. coming to inspect house except after a claim, but..</p><p>If you do not have a working smoke alarm you will not be covered in case of fire! Here they usually take the evaluation minus the value of the land, add a fixed percentage to cover replacement of contents. You can add on extra features if you need extra coverage for jewellery for example. You should be able to add ins at any time, just the same as if you wanted to switch carriers from one year to the next. Price should be determined by a set list of questions about the structure and dependent on risk zones.</p></blockquote><p></p>
[QUOTE="family mum, post: 526230, member: 14457"] Sorry, from Canada here, so I have never heard of an ins. co. coming to inspect house except after a claim, but.. If you do not have a working smoke alarm you will not be covered in case of fire! Here they usually take the evaluation minus the value of the land, add a fixed percentage to cover replacement of contents. You can add on extra features if you need extra coverage for jewellery for example. You should be able to add ins at any time, just the same as if you wanted to switch carriers from one year to the next. Price should be determined by a set list of questions about the structure and dependent on risk zones. [/QUOTE]
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Homeowners insurance question
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