The independent agent or broker t too , is going to give you policy from large insurance company. In either case you have to do your research well to get best deal and proper coverage. The broker or agent is helpful as you can have personal connection with him.
I have the same question! A car did hit my house and I started to go through my homeowners insurance , but however I am thinking after all the problems that I am having with my homeowners that maybe it would have been best to go through the car company insurance.
Homeowners insurance covers many things, but not faulty construction or damage caused by deferred maintenance. You will have to check with your insurance company to see if the problem and its cause are covered.
You will have to ask them for it.
You can obtain insurance through the mortgage company or on your own, here is a website to compare rates: http://www.LowerRateQuotes.com/homeowners-insurance.html.
If you Dad is a licensed Insurance Agent, I'm sure he could sell you a policy. If your thinking of trying to trick or defraud the Insurance company. Property has to be insured by the owner and can be easily verified online.
Safeco Insurance Company is represented by Independent Insurance Agents who contract with them. If you purchased insurance from Safeco then you did so through an Independent Agent. Unless you changed your agent for some reason such as moving to another area the original agent would still be your agent or at least the agency would still be who you would go to for assistance. I know this because I am an Independent Agent who represents Safeco Insurance Company and am proud to represent such a fine company for many years.
The best way to learn about homeowners insurance is through your car insurance broker. You can also consult the www.hud.gov website to know the ground rules that such agencies should be following.
No, Homeowners Insurance does not provide liability coverage for criminal acts of the insured. It does not matter if your on or away from the property.
"Independent Health does offer much coverage- on drugs and doctors visits. However, it does not offer PPOs. PPOs will have to be through a new insurance company."
Yes, flood insurance can be purchased through the federal government. However, it can also be purchased as a rider to some homeowners insurance policies. You will want to compare homeowners insurance quotes then compare them to the flood coverage offered through the federal government to find out which is your best option.
Not Likely unless you scheduled it on your homeowners insurance policy and paid an additional premium for it. Personal aid devices of this type are generally covered through your health insurance provider.
If you are required to carry homeowners insurance by, say, the bank through which you have your loan, you can switch to another provider for insurance at any time (there are a few forms you would need to fill out, but your new agent would be able to help you with that). You wouldn't be able to switch to another kind of insurance, though. The new policy would need to be a homeowners policy.