Reader Mail

October 2005 - Posts

I need a quote on a mid-size minibus, which holds 21 passengers. I need a quote for personal use and also for business use.Answer:  Let me take this opportunity to remind the readers of this mailblog that we at InsuranceGuide101 are not in the insurance Read More...
Posted on October 31,2005

Will my home insurance policy cover a pit bull if it bites someone?Answer:  It may; it may not. In most cases, it will not. Unfortunately for pit bull owners, insurance companies generally consider Pit Bulls to be a "dangerous breed." As such, it is Read More...
Posted on October 31,2005

I have recently accepted a position at a new employer, and the employer offers disability insurance as one of their benefits.  However, the agent for the insurance provider says I must provide copies of my tax returns for the past five years including Read More...
Posted on October 31,2005

My aunt recently bought a used car. I would like to know if she could put my name on the insurance policy when she signs up for one? Will I get the right coverage?Answer:  Yes. Your aunt could add you as a driver on her insurance policy. As long as she Read More...
Posted on October 31,2005

We are having a disagreement with friends about homeowner insurance. Does home insurance cover septic systems and/or mound system replacements? We say no, they say yes. Answer: While I hate to get into the middle of an argument between friends, I'd have Read More...
Posted on October 31,2005

If you live in New York City and have a car in New York City, is it possible to go to Atlanta, get a DMV ID and get a car insurance from there since it's cheaper? Then go back to New York and stay there, driving a car with a New York plate and Georgia Read More...
Posted on October 31,2005

As a beneficiary on my sister's life insurance policy I am requested to provide: my name, address, date of birth, and social security number to the insurance company and her employer.  Is this normal information that a beneficiary should provide?Answer:  Read More...
Posted on October 31,2005

My sister's car was totalled in a recent accident. She had the 2005 model car for one year. She has full coverage through her insurance company, but they only want to pay the bank off and she gets nothing. Is this right? Answer: In most cases, the Read More...
Posted on October 31,2005

My teenage daughter recently got her driver's license.  Before I was able to call and add her to my Florida automobile insurance policy, she had an accident.  Is there a grace period I might have to add someone on to my policy and still be covered in Read More...
Posted on October 31,2005

I am trying to find an insurance company for homeowners insurance.  My husband and I just finished paying out our Chapter 13 Bankruptcy.  We have been pre-approved for a loan and are putting a down payment on a home but my insurance company will not Read More...
Posted on October 31,2005

I need as much info as possible on Bed and Breakfast insurance policies. Answer: The Internet is a great source for information on insurance! What I can tell you is that there are specialized policies for "guest houses", including bed and breakfast Read More...
Posted on October 31,2005

My homeowner Insurance has quadrupled in price, presumably because I was forced tofile bankruptcy. Are you aware of any programs, state or federal that would help me so that I can retain my home?Answer: This is a little known fall-out from bankruptcy: Read More...
Posted on October 31,2005

I have just purchased an expensive ring as a gift and need to insure it. My partner has household insurance but I want it to be a surprise. I am in rented accommodation and do not have insurance. What do you suggest? I would presume that she can add the Read More...
Posted on October 31,2005

If a contractor classified himself as a grading and hauling contractor, but applied as a concrete finisher, is he still covered under his policy? Answer: I can't say for sure if this will affect the contractor's coverage, but I would recommend that the Read More...
Posted on October 31,2005

Since I do not own a car, I do not have car insurance, but a few times a year I rent a car. I would like to know what insurance the rental company has and if it's necessary to get all the optional coverages? What am I responsible for in case I get in an Read More...
Posted on October 31,2005

I am in the process of purchasing a commercial building to rent out.  I was hoping you could help me with a few ideas on what kind of insurance I should carry on the building as the landlord.  In the bottom of the commercial building I am renting an Read More...
Posted on October 31,2005

I was involved in an auto accident while using a friend's car.  It was a hit-and-run. How will this affect his insurance? Answer: In most cases, a claim will result in an increase in premiums. However, if you were the driver and not your friend, whether Read More...
Posted on October 31,2005

I would like to see a rating of an insurance company. The particular company heads their letter with A+ but I think there is more to the rating system than that. Could you please suggest a way I can look that information up online?Answer: You can find Read More...
Posted on October 31,2005

Can I insure the inside of my car, which holds about $ 3000 worth of tools?Answer: Yes, you can. You can get a special endorsement on your existing car insurance, to cover the value of the tools. It's probably wise to do this, as carrying that amount of Read More...
Posted on October 31,2005

My job just stopped my short-term disability coverage. I am concerned that if I should get sick, I would not be able to pay my bills. How could I get some insurance to help me in that time? Answer:  It's very easy to get your own short-term disability Read More...
Posted on October 31,2005

How do I get liability insurance for the directors of a non-profit organization?Answer: All this takes is a bit of research. You don't tell me which state you are in, or I might be able to refer you to a program or association. However, you can find what Read More...
Posted on October 31,2005

I'm thinking about putting in a wood stove in my home for heat because of the rising heating oil prices. I've installed a stove before but my insurance company tells me that it has to be put in by a professional at significant cost to me. So do I have to Read More...
Posted on October 31,2005

I have recently been put on medical leave from my employer for back problems. My doctor says I will not be able to return to work. In the meantime, I am having problems with my ex-employer threatening me that he will cancel my state-continued insurance Read More...
Posted on October 31,2005

Do you offer insurance for snakes/lizards? Answer:  I'll take this opportunity to tell you that we don't sell insurance of any kind – even interesting kinds. What insuranceguide101.com does is give you information on a variety of insurance products, to Read More...
Posted on October 31,2005

I have dental insurance through my employer.  How do I find a dentist in my area that accepts our plan?Answer:  We can't help you locate a dentist, but I'm sure that your insurance company can provide you with a list of dentists in the plan. You should Read More...
Posted on October 31,2005

I have an American Eskimo dog that is 3 years old. She has a cataract. I want to know if there are any insurance companies out there that will insure her. I know that some human insurance companies will insure a person with a pre-existing condition as Read More...
Posted on October 31,2005

When the HOA fees include earthquake insurance (structural only, of course), is there any law or standard regarding who would be required to pay the large deductible in the event of an earthquake and subsequent damage? Answer:  This depends completely on Read More...
Posted on October 31,2005

Readers Question:I need some info on this type of insurance. I am purchasing a condo and I'm getting conflicting info on getting contents coverage or not.  I need some info explaining the pros and cons objectively.  Answer:If you don't have contents Read More...
Posted on October 31,2005
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