Monthly Archives: November 2009

How are home insurance rates in hawaii?

Posted by on November 28, 2009 1 comment

I’d like to buy close to the water (would be impacted by hurricanes). FLA is ridiculous now-cant get insurance near the water for entire home value. Thought Hwi might be better since they dont get hit so much.

Insurance here is pretty high, but then again, everything is. You HAVE to buy hurricane insurance (can’t think of a number off the top of my head).

The islands are so small that it doesn’t matter where you are, the hurricanes will affect you no matter what. Check out this site, if you want to find the cheapest home insurance just in one minute,

http://best-cheap-home-insurance-usa.blogspot.com/

Here you can get free quotes from different home insurance companies in your area, its the best way to find an afforable home insurance with a reliable company.

Best Wishes,


Who pays for the home insurance when you are owner financing it? Also in the state of Texas what insurance c?

Posted by on November 17, 2009 3 comments

Who pays for the home insurance when you are owner financing it? The seller or the buyer? Also in the state of Texas what insurance companies provide mobile home insurance?

Who’s name is on the title, at the registrar of deeds? Until the title is passed to the buyer, the house is just a RENTAL, and needs to be insured that way. If this is a land contract, the SELLER should keep the policy to 1. make sure it gets paid and 2. make sure they have coverage in place, should the contract revert to rental. The buyer should THEN carry a renters insurance policy.

If the deed is being transferred immediately, then the BUYER gets the policy. Then the seller just has to hope that the policy gets paid.

Most of the time, owner financing is more hassle than it’s worth. If the person isn’t credit worthy enough to secure a mortgage on their own, they’re most likely going to default on YOUR mortgage, also. Then, depending on the condition of the property, you’re left with something basically unsellable.

For mobile home insurance, find an agent that represents Foremost INsurance – www.foremost.com. If the home is more than 20 years old, it’s uninsurable. After 20 years, they depreciate to nothing.


What companies offer mortgage insurance/protection for unemployment?

Posted by on November 12, 2009 4 comments

I’m looking to obtain mortgage insurance/protection on my home in the event either my husband or I lose our jobs. Just something that will pay the monthly bill until a new job is found. I see a lot of sites offering it and a lot more that just offer protection in the event of disability or death. Are there any companies that are recommended for this?

Laura L, Home insurance covers lots of different things. I don’t understand all the fine print of my homeowners policy, but my home insurance agent is always a phone call away. Try calling your agent or a homeowners agent in your town. http://www.goodinternetdeals.com/Home-Insurance.html They will be able to help you.

National Agents Alliance | Why Insurance Agents Offer Mortgage Insurance By Thomas Brown

Posted by on November 10, 2009 Comments Off

http://www.powerfulinsurancesales.com Thomas Brown
Presents National Agents Alliance on Insurance Sales Tips With Today’s Topic Why Insurance Agents Offer Mortgage Insurance. See powerfulinsurancesales.com To Find Out More Information On Topic’s Like These Right Now!

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HOW TO FIND CHEAP CAR INSURANCE (AUTO INSURANCE)

Posted by on November 10, 2009 1 comment

http://www.extremecars.biz/insurance

Auto insurance refers to the insurance that is common for insuring all types of vehicles against all kinds of uncertainties that may cause bodily damage to the vehicle. The sole reason behind insuring the vehicles is that it gives protection against the losses incurred due to accidents. Auto insurance is available for consumers who want to buy such insurance, to protect the life span of their vehicles and also for recovering the amount of the damage that the vehicle survives. People usually buy these insurances for all kind of automobiles like cars, trucks and other kind of vehicles, to avoid any risk. Different kinds of coverages have been started by the insurance companies, to suit the interests and the needs of the insured. Before buying auto insurance, it is very important that the person goes for a thorough analysis of the proposals offered by different companies for such insurances. Different companies offer different quotes for the insurance of the vehicle, the consumer must look out for the best one, which suits his needs and which proves to be very economical. Companies also give different discount to attract more and more consumers. The consumer can save a good deal, while purchasing auto insurance by comparing the quotes of different companies and choosing the cheapest one which satisfies all his needs.

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SBI- Life Insurance

Posted by on November 10, 2009 5 comments

Smoke Music Productions is a leading music production C/o based in Bombay(India) that has produced music for over 3500 commercials , several movies , television and albums…

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Compare The Meerkat Advert NEW (Compare The Market), Cheap Car Insurance

Posted by on November 10, 2009 25 comments

Compare The Meerkat (comparethemeerkat.com) advert which advertises the price-comparison website, Compare The Market (comparethemarket.com).

This is the new shorten advert!

Compare The Market.com compares prices on a number of items including car insurance, home insurance, as well as credit cards, loans and mortgages.

It aims to give you the cheapest quote from a number of big companies, including the AA, the Post Office and HSBC.

The reason for this advert is the constant mis-spelling of Compare The Market, with users inputting Compare The Meerkat instead.

The advert features a russian meerkat called Alexsandr (somtimes spelt as Alexander) who is the founder of Compare The Meerkat. He complains about the number of cheaper car insurance requests and plays the jingles for both of them.

On his website, you can compare meerkats by size, their favourite hobbies and their location.

Certainly one of the best advertising campaigns in recent time. But remember, if you want cheap car insurance, it’s CompareTheMarket.com.

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Any tips on getting rid of mortgage insurance if you owe 85%?

Posted by on November 8, 2009 6 comments

I just bought a house and have a loan for about 85% of the appraised value of the house. Is there a way of getting around mortgage insurance if you owe more than 80% of the value of the house? Thanks!

You can get rid of mortgage insurance a couple of different ways depending upon how long you have owned the home. If you have lived in it a year or more, you can have it reappraised and if what you owe is 80% or less of the value of the home you can request that the lender drop it. Beaware however that they don’t have to technically until you pay it down to 78% LTV but most will.

If you had a reason to refinance or pull cash out for some reason, you could also do a 2nd mortgage and as part of that transaction pull cash out to pay down the first mortgage to 78% LTV and then have a 2nd lien for what you need plus the other 7% to pay the loan down.

Either way, the lender gets to make the decision on whether or not they will let you drop the PMI. Start by calling them first. Another benefit of getting 80%ltv or less is that you do not have to escrow for taxes and insurance anymore and can handle it yourself. Depending upon where you live, that could be a lot of money.

How do you get proof of car insurance without a car?

Posted by on November 8, 2009 5 comments

I had my brother listed as a driver on my insurance policy and he is moving so will no longer be using my car. The insurance company is requiring that I show proof of insurance before removing him from the policy. They are telling me there is no other way to remove him from the policy due to a DUI charge. Is it even possible to get car insurance without a car? What should I do?
I have been in contact again with the insurance company and here is what they wrote back "The only proof we can accept to remove youthful driver’s is Proof of
Other Insurance." What is the age limit on a youthful driver? My brohter is 24.

If you have an insurance company that is refusing to allow you to remove an authorized driver from your policy unless you PROVE the authorized driver has insurance elsewhere, it’s time to get a new policy in place at another company and then drop your current insurance. That is ridiculous.

If you want to stay with that company for some reason (although I couldn’t think of any) you might call your agent and ask why you need to do that, and tell him you will switch if you can’t, and see what happens.

Being a new life insurance agent, what are ideal ways to enhance portfolio of life insurance customers?

Posted by on November 8, 2009 3 comments

One year down the line in life insurance business, I feel lack of custmers affecting my growth. I’d like to grow my portfolio of customers using new ways to market myself. Till now I have used friends and relatives and past customer base as my target audience. How do I target the strangers market and how do I productively segment it.

buy leads to work for now, and invest time and money into building your own marketing so that you will someday be able to generate your own leads.