I am thinking about switching to another home insurance company. This company not only charges the annual fee, but every time we ask for a technician, we have to pay $45. This insurance was left from the previous owner. Being a first time buyer, we didn't know better so we just took whatever the previous owner had already setup. I was looking at the things that it covers and found that some of the things we don't even have. Like the ceiling fans. We don't have ceiling fans. How do I find good home insurance? Also, I wanted to have a home inspector to come inspect the house even though we already lived in it for a few years. I want to know what's needs to be fixed and if there are new problems. Is it dumb to do that? Does anyone know an honest inpsector or contractor in LA? I have had so many bad experience and needs some good referrals. thanks
2006-12-27 08:03:52 · 6 answers · asked by paula r 1 in Home & Garden ➔ Maintenance & Repairs
Having owned several pieces of property I would advise you to go to an insurance broker that works with several different insurance companies. Tell him the coverage that you want and ask for quotes. Be careful, you want a policy with replacement value coverage, not market value. If someone were to take your 5 year old television, with replacement value you'd get a new TV, with market value you're at the insurance company's mercy.
Try to find a broker that works for you not the insurance company.
If you are not a handyman, owning a house can get very expensive. A home inspection can cost you up to 500 or more.
But if you don't think you can readily identify problem areas of your home, I'd advise you to get an inspection. It's never dumb to seek a second opinion, only a fool does not listen to someone's coments and advise. Wether you use that advise is up to you, but always listen. I do
Good luck
2006-12-27 08:23:08 · answer #1 · answered by captbob552 4 · 1⤊ 0⤋
I'm confused by your question. Home insurance is not for the purpose you think it is. If you need ceiling fans go out and buy them yourself at any hardware store. Calling the insurance company will only increase your annual rates. Insurance is to be used when there is some sort of disaster. For example, your basement floods or there was a fire. Maybe a wind storm destroyed some of the exterior and some other property on the premises. Why do you want a home inspector? Again, they are primarily used to help you when buying a house. Most of them know a little about everything and a lot about nothing. If you are interested in doing some remodeling or upgrading call a contractor. Ask for a state license. DON'T hire any without one. Make sure they are insured. DO NOT pay everything up front. Get everything in writing BEFORE you hand them any money.
2006-12-27 08:27:30 · answer #2 · answered by mjorod 4 · 2⤊ 0⤋
With the insurance the best thing to do is get a list of possible companies by asking friends and family who they use. Search the web for info about them then get a list of coverages and costs tell them you want the detailed version. Go with the most reliable and flexible one.
As for the inspection, you should have it done ASAP. It's not dumb at all. A slight sag in the floor now can be repaired easily but wait 5 years and you could have to replace several joists at a much higher cost. A home inspection will also give you peace of mind. No more imagining your house is going to fall down around you. As for who to use call your local Realtors to see who they use.
2006-12-27 08:14:51 · answer #3 · answered by flfox 3 · 0⤊ 0⤋
Contact the company and update what appliances you have. The $45.00 co pay is to keep nusance calls down. Such as, a washer that makes a funny noise once a month. The problem has to be bad enough for you to shell out $45.00. The time for a home inspection was before you buy not after. I think it's a waste of time now. If it lets you sleep better, than go ahead and spend the 5 to 700.00 and have it done.
2006-12-29 21:20:12 · answer #4 · answered by mountainriley 6 · 0⤊ 0⤋
Your home insurance does not cover fans going bad. That is a home service warranty policy which is available through several companies. The one I am familiar with is the American Home Shield.
As far a an inspection of your home, that should have been done prior to u buying it. It is a good gauge of the age versus the performance of the products used. Most states require that the home inspector be licensed within your state. U may also get ahold of a restoration company to come out to look at your home. Ask for references prior to signing contracts and check with your local BBB.
2006-12-27 08:39:02 · answer #5 · answered by john t 4 · 1⤊ 0⤋
does the previous owners homeowners insurance kick in when the roof leaks upon moving in:?
2015-08-31 12:37:53 · answer #6 · answered by Phantoms II 1 · 0⤊ 0⤋