Home Insurance Blog Online » Renting & Real Estate

Will an insurance company insure our home if there is a unpermitted cottage?

admin — Mon, 17 Nov 2008 23:58:29 +0000

Happy asked:

I’m in the process of buying a foreclosure home (Saratoga,CA, can’t transfer the insurance since it has already lapsed) that has a detached unpermitted cottage (2 bedrooms, kitchen, bathroom and living room total of 900 sq ft), the main home also has a unpermitted converted garage that is used as a in law quarter (separate entrance and full bathroom), it also has a unpermitted sun room too. I really love the home and tried looking for home insurance but it looks like no one will insure me. Is there anyway I can get insured for this property without having to lie about these unpermitted additions to the insurance company? Any advice would be appreciated and any suggestions which insurance company would insure me for a reasonable price. Thank you in advance.

How can I estimate homeowners insurance when I haven’t found a home?

admin — Mon, 17 Nov 2008 07:19:43 +0000

Brooke1293 asked:

I’m trying to determine how much house I can afford to buy–but I need to know how much homeowners insurance and taxes are. Is there an easy way to estimate this?

If you sell a house on land contract, who pays the home insurance?

admin — Fri, 14 Nov 2008 23:33:41 +0000

awsomenurse asked:

Do I still have to carry the insurance on the home since the loan will still be under my name???
We have no contract yet on it as I am in the first stages of deciding to land contract house to my renters.

How do u get insurance on a 2nd home/ vac property?

admin — Wed, 12 Nov 2008 05:06:27 +0000

lipnmin asked:

We are in escrow buying a 2nd home (vac property) and are having a hard time trying to figure out what type of home insurance we need to get. Our current company is saying we need commerical insurance if we are going to rent it out. Whats the difference between them? We arent sure if we will rent it out. Help…?

How much does home insurance typically cost a month in Bridgeport CT?

admin — Mon, 10 Nov 2008 02:46:39 +0000

WORLD FAMOUS asked:

In the market to purchase new home, wondering how much it will cost monthly for insurance.
Thanks for your help.

On average how much does home insurance cost?

admin — Sat, 01 Nov 2008 16:50:51 +0000

☠ ☠ ☠ asked:

Or if you could help me out further, how much would home insurance normally run on a $200,000 house?

How the home insurance for secondary home different from primary home insurance?

admin — Thu, 30 Oct 2008 16:39:31 +0000

Cosmos asked:

I am renting my home for 4 months and that’s why I need to convert my Primary home owner’s insurance policy to Land lord policy. But after 4 months I can’t change the insurance of my home to Primary home owner policy. But I will have to get the Home owner’s insurance for the secondary home which is more expensive then the primary home. I do not live in this house. So is it okay to go for a landlord policy for 4 months and then to secondary home – insurance policy? Is there a risk of very high premium on Secondary policy, could I change the policy back to primary home owner’s policy? What are the drawback of a secondary home insurance vs primary home insurance policy. Please help. Thanks.