how to determine value to insure home

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PostPosted: Tue Sep 08, 2009 10:43 am   Post subject:   

We can know that insurance companies charge some amount as a premium and reimburse the amount whenever the insured i.e. like you who insured the house.You can get insurance money. insurance company first assesses the extent of damage caused to the individual’s home or anything that is insured.

Off course someone complain that by the time the remittance is done the need for the insurance money is itself wiped out. Maybe it is fact as in a certain case in South Dakota, United States of America, the home of a person was destroyed due to a typhoon. They need some time to check it and you should wait for it.

When you get your money you can rebuild your house and decorate it.

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PostPosted: Fri May 18, 2012 8:30 am   Post subject: cuRyzHaLifCoQZZi  

If you only had liability Insurance (BiPd) your inrcsanue will cover the other party in an accident. In you case you dont have Comprehensive nor Collision coverage which is the coverage that covers your vehicle in case of an accident. Thats when you pay a deductible, but since you only have liability, you dont have a deductible so if you are getting a quote, make sure you put none where ever it asks you for coll/comp unless you want that coverage.


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PostPosted: Tue Feb 26, 2013 12:23 am   Post subject: homeowners insurance coverage  

Homeowners insurance is only required to cover the amount of your mortgage, to protect the bank from losing money should anything happen to the property. For an insurance company to "protect" the homeowner by automatically increasing coverage is a load of BS. Any recommended increase should be explained and OFFERED to the homeowner. To me, it is no different than if my cable company decided I would benefit from having premium channels, added them to my service and charged me for them without my permission. The insurance company does not know my personal financial situation better than I do, and should not have the right to decide how much coverage I should have. Obviously more coverage = higher premiums, and here in New Orleans, more coverage also = higher hurricane/named storm deductibles = lower payout by State Farm = more expenses for people in times of disasters. I have called, written letters requesting that they don't increase my coverage without my permission, and gone to my agent's office in person and filled out paperwork to keep my coverage at the amount I want it at, but every year they increase it anyway. I don't see how this is legal. And if you think "there must be other companies offering insurance in New Orleans" hahahahahahaha


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PostPosted: Tue Feb 26, 2013 4:46 am   Post subject:   

Quote:
Homeowners insurance is only required to cover the amount of your mortgage, to protect the bank from losing money should anything happen to the property.
Not true. In fact, insuring only to the point of covering the mortgage could result in not having enough money to retire a mortgage in the event of the total destruction of the insured premises and contents.



Failure to properly insure the structure to at least 80% of its REPLACEMENT COST will invoke a provision known as COINSURANCE and reduce the amount of the claims payable in proportion to the amount of insurance that was purchased in relation to the amount that should have been purchased.



EXAMPLE: John's property replacement value is $125,000, but he insures the property for only $75,000. In the event of a loss, because the property is not insured for at least 80% of its replacement cost (minimum of $100,000), a loss will be paid in relation to the amount of insurance purchased compared to the minimum insurance needed to avoid the coinsurance provision. 75,000 / 100,000 = 75%. All property losses will be paid at the 75% rate. A $50,000 loss would only be paid to $37,500 (minus any deductible). Had the property been insured for at least $100,000, the entire $50,000 loss would have been paid (minus any deductible). The cost to insure the additional $25,000 in dwelling value -- maybe as much as $100-$150 for the year. Would you rather pay $100 or have to come up with $12,500 out of pocket (in addition to any deductible)?



Quote:
For an insurance company to "protect" the homeowner by automatically increasing coverage is a load of BS
I'm not going to argue against this statement too loudly, but automatic increases in coverage are typically in the insured's best interest. The problem arises when the insurance company uses inflationary factors that are unreasonable and will not agree to a reduction in the amount of insurance provided. Consumers should be able to reject an "automatic" increase if they choose, as long as they understand the issue of not being insured to at least 80% of the replacement cost of the structure.



Quote:
it is no different than if my cable company decided I would benefit from having premium channels, added them to my service and charged me for them without my permission
and
Quote:
more coverage also = higher hurricane/named storm deductibles = lower payout by State Farm = more expenses for people in times of disasters


Yes, I will agree with both of those statements. Here in CA, by artificially increasing the dwelling coverage amount, it has a direct effect on both the premium and the deductibles for earthquake coverage.



One of the arguments that insurance companies like to advance is that when a natural disaster (like a hurricane, tornado, flood, or earthquake) occurs, and many properties are damaged. building materials and labor both may be in short supply and the law of supply and demand causes them each to increase in the short term. CA has enacted an anti-gouging law that prevents the prices of most goods and services from being raised significantly beyond their pre-disaster prices in the event of an earthquake and most other natural disasters.



If you want to effect a change in this situation, you have to get the state legislature to change the insurance laws. Unfortunately, the insurance companies tend to have more capital resources than the people who pay insurance premiums can commit to fighting for their cause.


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PostPosted: Tue Jul 02, 2019 12:19 pm   Post subject: determine the value of home insurance  

In order to determine the value of home insurance, you should consider the amount it would cost to totally rebuild your house at current prices. You should also calculate the value of all the personal belongings. And finally, estimate the value of all the personal assets you risk losing were someone to file and win a liability lawsuit against you.



I will recommend you to use a home insurance comparison tool insurancecheetah.com to compare home insurance quotes from different insurance companies.


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PostPosted: Wed Aug 21, 2019 6:28 pm   Post subject:   

Faces of fearless women combating against for Ukraine against Russian



the most important librarian, The turncoat the particular amputee chef: Pictures capture the fearless women who have put their lives at stake to defend Ukraine from pro Russian separatistsUkraine erupted into conflict in 2014, after the ouster of Moscow backed President YanukovychWhen the new government aligned itself with the EU, Russia seized Crimea and fomented discord in the eastSome 10,000 women have shown interest in help defend Ukraine, Including some who came over from RussiaCzech photographer documented their stories, integrating a mother of three from Georgia and an ex librarianBy Chris Pleasance for MailOnline



released: 15:24 BST, 15 May 2019 recent: 17:22 BST, 15 probably 2019



the very turncoat, task soldier, the librarian, And the amputee chef meet the women who have put their lives on the line to defend Ukraine from Russian backed rebels.



Remarkable photos from Ukraine's war torn east show the faces of the fearless women who would like to sacrifice their lives to keep 'aggressors' at bay.



The striking images such as a former cook who lost her foot during a bombing raid, A prised Russian combat fighter who changed sides, And a mother of three pictured beaming at you whilst cradling her assault rifle.



Conflict first arrived in Ukraine in 2014 following a revolution which toppled Moscow backed President Viktor Yanukovych and saw the new government align itself with europe.



Yulia Tolopa, 22, Is one of an estimated 10,000 women who have signed up to help Ukraine fight against Russian backed rebels in the east of the country since conflict began there in 2014



Tolopa is a Russian national and won a championship in hand to hand combat before coming to Ukraine at the start of the war because she didn't believe what her government was saying and wanted to see the situation for herself



A woman ukraine women who gives her name only as Nana, past 30, Is pictured given here. She is from Georgia and could possibly be fighting against Russia since her country was invaded in 2008. After war broke out in Ukraine, She arrived at fight here



Nana's comrades clasp hands above a combat patch that shows the Ukrainian flag split utilizing Georgian flag, The symbol of her home country music, Which she wears on her homogeneous



Nana is a single mother of three, But was mostly unwilling to discuss her life outside within the armed forces. She was took pictures of on the front lines by Czech photographerDavid Tesinsky



Yulia Mykytenko, 22, Was not raised for a life of combat, And in fact worked as a librarian building up to fight because she wanted to defend her homeland and its ideals



Olya Benda served as a cook in one of the military brigades before getting his during a Russian bombardment of the city of Avdeevka. Her wounds were so severe they to amputate her leg



Putin, Eager to secure one of Russia's only cold water ports in ideas presented then Ukrainian Crimea, Marched troops it's border and seized the peninsula, Before fomenting a rebellion in ethnically russian eastern provinces.



all over 13,000 humans have been killed since then as government forces and pro Russian separatists of the Donetsk People's Republic and Luhansk People's Republic fight for control.



rapidly Minsk ceasefire agreement a notional deal designed to end the war peacefully in 2015 sporadic fighting continues, With the rattle of machine guns and crack of sniper fire now a part of lifestyle.



As Ukraine tries to carve out a new identity for itself outside Moscow's sphere of charm, compared to 10,000 women have shown interest in help defend its borders.



RELATED ARTICLES last 1 Next



russian farmer unearths the remains of a 2,000 year old. Russian TV channel is ridiculed after building an. Ukrainian boy, 10, Suffers awful burns after his.



Czech shooter David Tesinsky visited the war zone last year to meet the mothers, Daughters and sisters risking life and limb for the source.



'Some of the women I met were only 22 years, Many of them had been fighting against Russia ever since they were 18,' Tesinsky informed me.



'The tensions in the Donetsk and Luhansk region are very evident and uncover regular shootings, asap.



'I met some unimaginable soldiers, most famously Yulia Tolopa. She's 22 and has a little in Kiev. She's actually a Russian national and has won a championship there in hand to hand combat.



'She came to Ukraine for the 'Revolution of Dignity' began, Because she did not believe Russian propaganda and wanted to see what got going on for herself.



'At the start of the war, She volunteered to the Ukrainian army's Aidar battalion that will help her Ukrainian friends who fight for freedom. She has fought in the most well liked spots of the war and has been wounded twice.



Nana has been a soldier all her adult life, And began fighting Russia in 2008 when the country invaded her homeland of Georgia. She then came to Ukraine in 2014 to keep up the fight



During her first combat objective,Mykytenko met the man would you become her husband. The pair have since had your youngsters, Though she decided to return to military service and continues fighting even today



Tolopa's unfaithfulness of Russia has earned her a spot on the FSB's most wanted list. She has since lost all experience of her family and has started a new life in the Ukrainian capital of Kiev



in conflict, Yulia fought first in a strike brigade, Then asan aerial reconnaissance officer and was wounded twice. She also has a small, Who lives in Kiev with good friends.


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