What insurance company is good for renter's insurance?

I would like to purchase renter's insurance and would like to know some good companies, with good rates and coverage. Thanks! Best Answer received 10 points.

What percentage of insurance premiums are ever paid out by insurance companies to their customers?

Considering that the insurance industry uses the government to force people to buy their product and frequently advertises on TV, it doesn't seem like a very high percentage of premiums are paid out. Does the insurance industry pay out even half of its revenues in claims? A quarter? 10 percent?

With the high cost of insurance and the low home values is it worth losing your home to carry medical insuranc?

Which would you chose; to go in debt to pay for insurance in case something happens so you do not lose your home? Or not pay for insurance and hope to god nothing happens bad enough to make you lose your home anyway by not having insurance? If you had to pay your insurance and do not currently how would this affect you, and what would you do?

How does health insurance work in the US?

I am a non-US citizen and need this information to do a case. Specifically: 1) Is health insurance compulsory for everyone? 2) What happens if someone cannot afford it? 3) In the event that a medical procedure needs to be done, does health insurance cover all the bills? Does the patient need to pay anything extra? 4) Does the patient have any say over what kind of procedure he can take? Say if 2 treatments are available for his condition, can the patient choose the more expensive treatment? And if so, is it covered by the insurance? Thanks for reading this. Your help in answering any part of the questions would be greatly appreciated! Thanks to those who have responded so far. I would like to further ask: Does a health insurance contract state that it will only cover the "normal" rates for a procedure? For eg. if there are 2 possible treatments for a disease, 1 of which is more expensive but more effective than the other, will the patient only be covered by the LESS expensive one? Or is it a case in which the patient can opt for the more expensive one and "top-up" the difference? This is a crucial question to my understanding the case. Thanks!

What kind of insurance does a tree removal company need?

I need to hire someone to remove a tree from my property. The chance that the tree will fall and damage property is minimal. What kind of insurance should the business have - liability insurance? workers' comp insurance?

How does business insurance work in a lawsuit?

As a small business, I'm finally getting around to looking at business insurance. God forbid I should get sued, but that would be the only reason I would get insurance at this point. If I get sued (assuming I did nothing wrong that would terminate coverage), what are my responsibilities with regard to paying legal fees? What role will the insurance company play or what control will they have in the litigation process?

What is gap insurance usually labeled on the actual insurance policy paper?

How do I know if I have gap insurance by looking at my insurance policy? I have Travelers, if that helps.

How could car insurance cost more a month than the value of the car?

Yes I'm under 21, No I don't have a single ticket , or driving violation . How could insurance on a 500 dollar cherokee cost 290$ a month? In two months thats the value of the car! Its BS there has to be a way to get insurance for cheaper than that. Anybody know of any place? And please don't say Classic insurance as all of them you have to be 25 or older.

What types of insurance are needed for purchasing a home in Ohio?

I know I will be required to get the standard homeowners insurance and will be paying on the PMI until I reach 20%. Are their any additional insurance policies that the lender may force me to buy upon closing. I am trying to purchase insurance on my own rather than take the garbage that the lender has. Any information is very appreciated.

How does health insurance work - when insurance premium can generally increase?

If family of two have health insurance, and one of them decide to use it for couple medical procedures will insurance policy premium go up? Please advice. Thanks.

What insurance do I buy to prevent getting sued by my housecleaner?

If I hire a cleaning lady without liability and/or medical insurance, and then she gets injured while cleaning in my apartment, what type of insurance can I buy to protect me against that? Would a standard renter's policy do the trick, or do I need umbrella coverage or something else?

Why is home insurance limited to each and every different type of disaster?

The home is either livable or NOT livable...it matters NOT what disaster ruined the home.. Why then is it that you have to pay extra for each different type of circumstance? An accident is an accident.... a disaster is a disaster... the home can only be burned, flooded, distroyed by earthquake / tornado / hurricaine ONCE.. why pay for all the different ways insurance-wise? How covered is covered? And WHY !!!! Why?? Is it if you Never have any type of claim you aren't refunded some of that money you spend year after year after year? Again, once you've paid in insurance the amount of the home value.. what difference does it make if you replaced the home 'money-wise' already in insurance premiums? Why not spend those premiums on a second home instead? Just shooting in the dark here of the many complaints I have heard ranted from my elders recently.. their solutions were hysterical.. I'd love to hear more solutions.

What insurance companies cover include gastric bypass or lap band procedures?

The insurance I have through my job (PHCS) has verbally stated that they will not cover ANY weight loss related procedures. My doctor is wanting me to do the lap band procedure so I would like to see about getting my own insurance that will cover the cost. Any suggestions?

What insurance companies pay for inpatient treatment for eating disorders?

I have had an eating disorder for the past 3 years, and desperately need inpatient treatment care, but my insurance company doesn't cover the costs, so I am trying to find a new insurance company that does

What insurance companies are available for a 62 person with Diabetes?

62 year old needs health insurance in California. She has type 2 diabetes which has been under control for several years. However, she is ready to retire because no company will hire her. How can she find health insurance?

How exactly does insurance affect our economy?

I understand the basics of insurance. That is the transfer of risk. That insurance companies bet on getting more in premiums than they have to pay out in claims. What I'm trying to understand is, how deeply insurance, our ability to purchase it, affects our economy. Please if you could give me some answers regarding this or point me to a site where I can find more information it would be great.

What type of insurance do I need to run a bus transit company at my university? Ball park price?

I was looking to start a bus transit company that will pick up and drop off students from one point on campus to another. I was wondering what type of insurance am I required to have. I need 4 transits for the company to operate the way it is supposed to. Does anyone know what type of insurance is required for an operation as such and/or how much that insurance would be? I don't need an exact price, I am just looking for a ball park price. Thanks in advance.

What insurance do I need to supply a food product to a store?

I have been told that i need different types of insurance to supply coffee/tea to a store. Somethings that have crossed my path are bonding, liability insurance. Can someone explain this to me please? any ideas to where i can also get this type of insurance from?

What insurance coverage is critical for a business that has little to no customer traffic?

When a business does most of its work online or in the clients location, what business insurance plans apply? Is liability insurance necessary for the office even if clients rarely come to the office?

How quickly are insurance companies supposed to provide COBRA information after your insurance ends?

I had active insurance until November 2010. Now, the insurance company is saying that it was actually cancelled through my husband's company in June and are requesting the monies back from doctors. However, they didn't even send out COBRA information to me until November 23. Can they do this?

What type of Insurance does Red Lobster carry for their employees?

My wife works at Red Lobster in Indiana, we are thinking of checking out the insurance they offer but we have a few weeks before open enrollment. We could get into it right away because I am loosing my insurance with my employer so we have certain circumstances which would allow this. Unfortunately, they don't have any information for my wife on the details of the plans. So, my question is, does anyone know the details of the plans and where can we find that information? Is it good insurance and worth the price?

When I use insurance to fill a prescription does insurance send my prescription information to me in the mail?

I recently filled my prescriptions, and used my insurance (Aetna) to do so, and I was wondering, will my prescription info be sent to me in the mail? Like will I get a bill explaining what they paid? And will it be Itemized? And Can they raise my insurance because of it?

What is that Insurance commercial with the man and woman having an conversation?

I am asking for someone else, but I was wondering what was that insurance commercial when the insurance man calls the woman to tell her that her payments where later and later, then she completely stopped paying, I know someone who wants this insurance, but can't think of the name of the company.

Where do car insurance companies get your driving record in CA?

I hit a guys bumper while driving a company car a couple of years ago and I thought he filed a claim but the company took care of it and I never heard about it again. I'm getting car insurance and I pulled my driving record from the DMV and all I have is a seatbelt violation but no accidents. Is there another database somewhere that insurance companies will check or is it just your DMV record? Maybe this all got settled without insurance intervention and I dont' want to pay higher fees if its not necessary. Am I in the clear?

How do we get insurance companies to reduce medical insurance premiums to employers?

Let's face it, here in the U.S. the medical insurance premiums for group health coverage is rising faster than inflation. As a result, a lot of companies are either reducing the levels of coverage in order to offset the cost of insurance, increasing the deductible, and or increasing the cost to the employees for the insurance premiums. The problem is that insurance companies have no incentive to reduce insurance premiums. They continue to get record profits and this issue is out of control. How do we get the insurance companies to decrease insurance premiums to the rate of inflation, or better yet, start reducing the cost of premiums for a change?

What insurance is needed in Texas to host a non-profit fundraiser?

I am in Galveston, TX and I am looking to host a large outdoor fundraiser for a non-profit organization. What type of insurance will I need to cover the event? Where can I look to find more details and how much does this insurance usually cost? Thanks!

How long can you wait to notify a insurance company about a potential claim?

How long can you wait to notify a insurance company about a potential claim? You know how an insurance tell there clients that they have to report a claim(personal injury/premise liablity) or something. Most insurance policies have a requirement that your notify the insurance company of any potential claim within a very short period of time after the incident occurs. I live in NY. How long can you wait to tell them? How much would that short period of time be? Landlord have been recieving letters frommy lawyer and he havent sent them over to his insurance company. This been going on since May 1st of this year. Can the insurance deny him coverage?

What happens to your insurance once you get married?

I am currently under my parents insurance (I am 21years old), both for car and health/dental. My fiancé has no insurance because his family cannot afford it. We are thinking about getting married this summer but want to figure out the details first before we committ to anything. I was wondering, once we get married what happens to my current insurance? Are we going to have to purchase our own insurance? And if so is there any marriage packages that would be pretty low budget? Thanks!

How can insurance companies not refuse insurance for people with pre existing conditions?

Under Obama's health plan, insurance can't be refused because of a pre existing condition (at least that's what I heard). How would that work? Why would anyone get insurance before getting sick? How would that not bankrupt the companies?

What auto insurance company will give me a good price after lapsing insurance?

I had geico and my insurance lapsed. Everyone wants so much money now since i lapsed previously. Ive tried all the major companies. Does anyvody know of a cheap insurance that i can look into? Right now everyone wants around 7-800$ for 4 cars liability. Rediculous.

How do i fight with an insurance company and win?

I had surgery in June and my insurance has no deductible. The insurance company paid the doctor and the pathologist, but they wont pay the hospital. the insurance company says they havent gotten a bill. the hospital says they have sent it and received a denial with no explanation from the insurance company. I dont know what to do. I've asked for the hospital to send me the bill to submit myself, but they dont do it. They say they do, but I never get it. I'm so frustrated. What can I do??? The hospital has an out-of-state company do their billing or I would go there in person. My insurance company is also out of state. *sigh* help.. i have no deductible, there is no reason why they wouldnt pay, they've paid everything else I just think the hospital is messing up. any suggestions?? thanks!

Can you buy auto insurance the very moment you buy a car? Do insurance companies work that quickly?

Can I call an insurance company the instant I buy a car and say, "Hey, I just bought a car. I want to get insurance for it."? I think companies should do this because if I take off from the dealership without insurance, and somebody hits me on the way home, I'm in trouble, right? I looked everywhere for this information, but I couldn't find it anywhere. Could somebody clarify this issue for me?

How much insurance company will raise my rate after a car accident?

My car bumped into a car at a parking lot and caused minor rear bump crack. And I called my insurance company to report a claim. Right now my rate insurance is $420/year. I would like to to know how much my insurance company will raise my rate when I renew it next year.

Where can you buy insurance for connecting to the power grid with a wind generator in Texas?

I have a friend who would like to install a wind generator for electricity, but the local power company will not let him connect to the power grid unless he can show that he has a million dollars insurance. Well, he cannot find any company that offers that type of insurance for any price. He has written to everyone he can think of but still no source of insurance. The reason he wants to connect to the power grid is to use it as his storage system so that he doesn't have to maintain a whole bank of storage batterys. Does anyone know where he can get this type of insurance for a system that will be in the state of Texas?

How long does an insurance company need to approve a medical insurance application?

My medical insurance has expired and I've just decided which one to buy next. How long does an insurance company need to approve an application and get it activated?? I have no medical insurance right now so I'm kinda worry because of the swine flu.

What happens to my insurance after i got a speeding ticket?

I got a speeding ticket for the first time ever. The cop put me down as 80+ mph, which i needed to go 70mph. When my insurance bill comes in, would my insurance be higher? Also my insurance is AAA. I still haven't gotten my actual ticket in the mail yet, and i was wondering if my insurance bill would be any higher until I'm proven guilty, because i know that if i can take traffic school, it won't get any higher & the point taken off. But i was wondering until then, would it still get higher?

Can i start insurance on a new car with a new insurance provider before the current policy runs out ?

My current car insurance policy runs out at the end of the month and I will not be renewing with them. I am getting a new car approx 2 weeks before the expiry date. Can i start the insurance with another company and 'overlap' the insurance ?

My insurance rate when up can change insurance and start fresh?

So I got into a minor accident and my insurance when up. Can I change to another insurance and start fresh?

Which insurance will pay the benefactor the most amount of money in the shortest span of time?

If you're a failure and you've decided to take out insurance naming your mother as the benefactor: 1. How long do you have to wait before you kill yourself for the insurance to be valid 2. Which insurance gives the most amount of money after you die. There's no other way. Parents should be able to retire rich and happy and not have to worry about their kid being a failure all the time.

How is mandating insurance companies to insure children with preexisting conditions called insurance?

If the government is telling insurance companies that they have to giving insurance to children with a preexisting conditions; isn't this simply telling insurance companies to pay for all children with a sickness? How is that legal?

What is the base minimum of insurance required in Colorado?

I know that we need liability insurance, but is there a minimum on other types of insurance? Specifically, house insurance, RV insurance and boat insurance. Oh, and motorcycle insurance. Thanks.

What are some insurance companies that offer insurance if you become disabled due to accident?

Hello everyone. I have life insurance and accidental death insurance, but I am looking for a company that offers insurance for money if you get injured in an accident and become disabled. I show horses and ride often. I am looking for something that would protect my family in case of a disabeling injury. Please only serious answers. Please don't suggest yahoo or google....I am looking for actual companies. God bless!

What kind of insurance do insurance companies need to buy for their own company?

I want to start an insurance company, but I need to know what kind of insurance I need to purchase for my own company. I have done research and can't find this. (Please do not tell me how to start one, or anything else besides what insurance I need, if any.)

What insurance is needed for casual outside workers?

We live on acreage in Brisbane and need quite a lot of outside work done. Things like brushcutting, weed spraying, gardening, scrub clearing etc We would supply tools and materials etc so the job would suit an unemployed person or a student. What if they are hurt in some way while doing the work? Do we need to take out insurance for them? If so, what type of insurance is it and who should we get it from? I'm pretty sure that normal workers compensation insurance doesn't apply to workers who are employed by householders.

What typically happens to the insurance industry during a period of economic recession?

Are people more afraid and purchase more insurance or less? Does it make them delay purchasing insurance? Life and Health insurance specifically. More specifically senior medical supplement policies, advantage plans, life insurance, long term care insurance, and annuities. I'm asking for myself. Is it a good time economically in the U.S. today to sell these products? General or specific information will be helpful. Thank you for your experience and thoughts.

What reputable health insurance companies are out there?

My mom doesn't have health insurance and my job doesn't give insurance to family members. I would like to pay monthly to a health insurance company so my mom could get health check up when she needs it. Do you know any health insurance companies that can accept low monthly payments since I don't get paid that much? We live in northern california.

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

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 much is malpractice insurance for neurosurgeons by state?

I need to know the average malpractice insurance for neurosurgeons in different states.I want to practice in a state where the insurance isn't so expensive.I live in NYC and here,the insurance is almost $100000.I prefer going to another city than giving all that money for the insurance.I never had any problem in my career and I don't need this type of insurance. Can you help me? PS. I am paid very well,but I don't like spending money on things that I don't need.

What happens to your insurance if you have a lifelong disease, and you change insurance providers?

I was curious about how that would play through. Most insurance companies will not take you on as a customer if you have a pre-existing condition. (since it's hard to make money off say, a diabetic.) If your insurance is through your work and you change jobs, what happens? Since most of the time your insurance is dropped when you leave a job, i imagine it would be VERY tough for someone with AIDS, Cancer etc. to find another insurance provider.

no health insurance and have a preexisting condition. Can I start work? or is there any insurance available?

I live in GA. We just got an insurance and told them about this condition. It's very small surgery for my daughter. but now they are denying it. Is there any other insurance I can take? or if I get insurance through work would that help?

How does the insurance company find out about moving violations?

My understanding is that when you get a moving violation (e.g, a speeding ticket), the police or the courts or whoever will notify your insurance company. When your insurance company finds out and finds out about the points that are now on your license, they raise your insurance premium. However, a friend tells me that he's received several speeding tickets, that his insurance company has never found out (meaning no one is notifying his insurance company), and that his premium has therefore never gone up. How is that possible?

How can people say insurance companies should be able to deny based on pre-existing conditions?

Let's look at an example. Bob has a job. He has health insurance. He gets cancer, and his insurance company pays for his tens of thousands of dollars worth of treatments. The economy goes south, Bob gets laid off. He has to choose between health insurance and losing his house, so he obviously needs to stop the insurance. Later, Bob gets re-hired, and despite the fact that he can afford insurance, he can never get it again, because he has a pre-existing condition. But no, we need LESS government regulation of the insurance industry. LOL!

What kinda if motorcycle insurance is ideal for a new rider?

Okay i am getting my first bike (ninja 650R) and was wondering what would the most ideal insurance policy be? As far as i know i do not have health insurance. Should i get health insurance with motorcycle insurance? Would the motorcycle insurance cover injury if for some reason i were to get into an accident? Don't plan on it, but looking out for myself here. Ninja 650R is generally a cheap bike and looking at an 09 model. Wouldn't leave the house without proper gear on and of course a DOT approved helmet. What do you guys think and any recommendations on insurance

Insurance question, looking to start a business, elder home care in Wisconsin.How to become bonded and insured?

I don't think my insurance company (American Insurance) offers bond and insurance for someone in my field. Also need affordable health insurance with relatively low deductible. Any suggestions would be helpful.

What is the type of insurance that covers bodily injury and property damage to others?

1: What is the type of insurance that covers bodily injury and property damage to others? liability uninsured motorist comprehensive collision 2: What is the type of insurance that covers you when you are injured by a hit and run driver? liability uninsured motorist comprehensive collision 3: Insurance is based on the concept of ________ and __________ profit and loss risk and loss risk and return profit and cars 4: Which type of insurance is usually required if you finance your car purchase? Medical Payment Insurance Towing Insurance Rental Insurance Collision and Comprehensive Insurance 5: Which of the following is not a way that a teenager can save money on insurance? Getting on his or her parents' policy Getting good grades Driving penalties Driver experience 6: Accidents that must be reported are ? those that caused minor damage or harm those that have been fatal all accidents.

What insurance agency that will take up insurance on a mobile home?

I got a home from clayton homes that I had about ten years now . A they home insurance for a mobile home is riduclious and the insurance on my home go up every year and the name of their insurance ageny that they gave me was Home first agency inc. And their insurance is too high. Is their any other insurance company that will take insurance on a mobile home.

insurance???????

just wondering. my mom has a trailblazer and my dad has a lumina. they already have full coverage. my question is do they have to add my the insurance or since i have my drivers lisence i can start driving. my mom said that im already insured because it already has full coverage is that true or does she have to add me or what???