Robo asked:


The insurance states he is liable, But is still in my name. Should I make him insure it, or do I keep it in my name?
The house will remain in my name until it is paid for. I want to be sure there is coverage on it.

Tigaresa asked:


Me and my husband are in the process of building a new home in Houston,TX and I wanted to know if anybody with experience had any advise into what else we should look into besides homeowners insurance? Is that all that we need?

Egina asked:


When I shop for a home insurance I am always asked if my home is currently insured or if there are lapses in my insurance policy. Some companies outright refuse to give me a quote when I tell them that I haven’t had home insurance in the last 3-4 months. I am wondering why this is important for them?! They just referred to their company policy and did not give me any meaningful reasoning. Thank you for your answer.

WELDER asked:


isn’t mortgage insurance for if you die, the loan will be paid off? if so wouldn’t life insurance do the same, so why is mortgage insurance needed. Must you have it or is it just a option?

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.

Perry F asked:


I would like to know precisely what is covered and to what amount it is covered under a homeowners insurance policy.

Self asked:


I plan on calling the insurance company tomorrow, but before I do, I thought I’d ask here first, just out of curiosity, to see if this is generally a covered expense or not (and if it isn’t normally covered, if there are ever exceptions to allow something like this.)

A bad thunderstrom blew through, and following this a leak y wet spot developed the ceilings in one of the rooms. Not bad, but definitely coming through the roof, and definitely something that needs to be repaired.

Should I expect homeowners to cover something like this?

thanks.