Homeowners Insurance...recommendations?
Sue D.
Wondering if anyone has anything good to say about insurance
companies? We bought our son a new car and had the insurance
transfered to it, leaving the old one uninsured (one of his friend's
was buying it)...anyway a tree branch fell on it smashing the roof
and blowing out the rear window...guess what? Homeowners
insurance doesn't cover it...moral of story is that from now on, any
one who parks in our driveway has to have full coverage on their
car. Does this seem right? What the heck is homeowners insurance
for anyway??? BTW this is Farmers Insurance...anyone know
a better insurance company?
Thanks for allowing me to vent,
Sue D.
rich
>Hi all,
>Wondering if anyone has anything good to say about insurance
>companies?
They insure, more or less imperfectly, that for which a policy is in
force. In that respect, they are good.
>We bought our son a new car and had the insurance
>transfered to it,
So the new one is now insured by an auto policy.
>leaving the old one uninsured (one of his friend's
>was buying it)
And now the old one isn't insured under ANY policy.
>...anyway a tree branch fell on it smashing the roof
>and blowing out the rear window...guess what? Homeowners
>insurance doesn't cover it...
Your point would be...? "Insurance companies don't insure things that
aren't on the policy." No shit. Sucks to be you.
>moral of story is that from now on, any
>one who parks in our driveway has to have full coverage on their
>car.
That makes sense.
>Does this seem right? What the heck is homeowners insurance
>for anyway???
Your home. Not for "your home and anything else that suffers a loss."
>BTW this is Farmers Insurance...anyone know
>a better insurance company?
No insurance company is going to cover an uninsured car on a homeowners'
policy. Good luck.
>Thanks for allowing me to vent,
You're welcome for the chance to look REALLY stupid on Usenet.
--
chmod -R 666 *
@prodigy.net John Bergan
happens to or on your property. If it was, your premium would be about ten
times or more what you pay now. Take the time to read your policy. Would
you buy a new television and not read the owner's manual? If you don't
understand what is in the policy, ask your agent to explain it.
Your company was correct. Don't blame them for your mistake in not insuring
your car.
--
John
Sue D. wrote in message <3a240bd9....@news2.inetarena.com>...
>Hi all,
>Wondering if anyone has anything good to say about insurance
>companies? We bought our son a new car and had the insurance
>transfered to it, leaving the old one uninsured (one of his friend's
>was buying it)...anyway a tree branch fell on it smashing the roof
>and blowing out the rear window...guess what? Homeowners
>insurance doesn't cover it...moral of story is that from now on, any
>one who parks in our driveway has to have full coverage on their
>car. Does this seem right? What the heck is homeowners insurance
>for anyway??? BTW this is Farmers Insurance...anyone know
>a better insurance company?
>
>Thanks for allowing me to vent,
>Sue D.
ra...@joesbar.cc.vt.edu
> Wondering if anyone has anything good to say about insurance
> companies? We bought our son a new car and had the insurance
> transfered to it, leaving the old one uninsured (one of his friend's
> was buying it)...anyway a tree branch fell on it smashing the roof
> and blowing out the rear window...guess what? Homeowners
> insurance doesn't cover it...moral of story is that from now on, any
> one who parks in our driveway has to have full coverage on their
> car. Does this seem right? What the heck is homeowners insurance
> for anyway??? BTW this is Farmers Insurance...anyone know
> a better insurance company?
The only way I can think of the homeowner's insurance might
possibly cover this is if the title to the car had
already passed to the new owner. Then the homeowner's
policy *might* cover it as a liabilty claim by the
new owner. If the new owner had not taken possesion
of the title, then I don't see any reason you should
be covered.
--
*****************************************************************************
* Bill Ranck +1-540-231-3951 ra...@vt.edu *
* Virginia Polytechnic Institute & State University, Computing Center *
*****************************************************************************
Sue D.
any guests cars...guess we'll have to put up a park at your own
risk sign : )
On 28 Nov 2000 21:47:20 GMT, <ra...@joesbar.cc.vt.edu> wrote:
>The only way I can think of the homeowner's insurance might
>possibly cover this is if the title to the car had
>already passed to the new owner. Then the homeowner's
>policy *might* cover it as a liabilty claim by the
>new owner.
Sue D.
>They insure, more or less imperfectly, that for which a policy is in
>force. In that respect, they are good.
agreed
>
>>We bought our son a new car and had the insurance
>>transfered to it,
>
>So the new one is now insured by an auto policy.
yup
>>leaving the old one uninsured (one of his friend's
>>was buying it)
>
>And now the old one isn't insured under ANY policy.
wasn't going anywhere, value under $2000 no way I'm
gonna put full coverage on that...
> No shit. Sucks to be you.
Nope, quite happy here, just wish insurance policy's were more
entertaining reading.
>>Thanks for allowing me to vent,
>You're welcome for the chance to look REALLY stupid on Usenet.
>
Tough job, but it seems someone has to do it! Seriously, people if
you haven't read your policy do it... we only lost $2000...could have
been worse...
>chmod -R 666 *
Judy Bay
mower. It also paid medical costs of the painter who fell off HIS
scaffolding while painting MY house.(Prudential)
rich wrote:
>
> Also schrieb Sue D.:
> >Hi all,
> >Wondering if anyone has anything good to say about insurance
> >companies?
>
> They insure, more or less imperfectly, that for which a policy is in
> force. In that respect, they are good.
>
> >We bought our son a new car and had the insurance
> >transfered to it,
>
> So the new one is now insured by an auto policy.
>
> >leaving the old one uninsured (one of his friend's
> >was buying it)
>
> And now the old one isn't insured under ANY policy.
>
> >...anyway a tree branch fell on it smashing the roof
> >and blowing out the rear window...guess what? Homeowners
> >insurance doesn't cover it...
>
> Your point would be...? "Insurance companies don't insure things that
> aren't on the policy." No shit. Sucks to be you.
>
> >moral of story is that from now on, any
> >one who parks in our driveway has to have full coverage on their
> >car.
>
> That makes sense.
>
> >Does this seem right? What the heck is homeowners insurance
> >for anyway???
>
> Your home. Not for "your home and anything else that suffers a loss."
>
> >BTW this is Farmers Insurance...anyone know
> >a better insurance company?
>
> No insurance company is going to cover an uninsured car on a homeowners'
> policy. Good luck.
>
> >Thanks for allowing me to vent,
> You're welcome for the chance to look REALLY stupid on Usenet.
>
Jaeger T. Cat
Sue D. <what...@inetarena.com> wrote:
>Hi all,
[Sue cancels policy, and guess what? Doesn't get paid!]
My recommendation: learn to read, then read your policies.
cjrg...@my-deja.com
> >And now the old one isn't insured under ANY policy.
>
> gonna put full coverage on that...
That's the risk you took when you didn't keep comprehensive insurance
on it. Your policy probably has language denying coverage for damage
to vehicles you own.
It's too late now, but most auto insurers will write month-to-month
extensions to cover the old vehicle between the time you buy a new one
and the time you sell the old one.
--
Chris Green
Sent via Deja.com http://www.deja.com/
Before you buy.
cjrg...@my-deja.com
what...@inetarena.com (Sue D.) wrote:
> No, it wouldn't be covered, according to our agent, nor would
> any guests cars...guess we'll have to put up a park at your own
> risk sign : )
Weird, damage to property belonging to guests should be covered under
your liability coverage. That must be a really restrictive policy form.
"Park at your own risk" may not help. Your guests are there at your
invitation, and you owe them some duty of care while they or their
possesions are on your property.
v.
motley fool wrote:
>
>wasn't going anywhere, value under $2000 no way I'm
>gonna put full coverage on that...
>
So you chose to "go bare" and take the chance, which you took and
lost. Seems to me your mistake was "transferring" the insurance in
the first place. That would work when you simultaneously sold the old
and bought the new, like if you traded in at a dealer.
IMHO you should have just added the new vehicle (after all, you DID
own two vehicles for a while; don't confuse what you did with the
license plates with what you owned). Then a couple of weeks later
when you do sell the old one, you drop its coverage. The actual cost
of two weeks of coverage likely isn't much, and you could go to
minimum liability limits if you are sure "it's not going anywhere"
(don't let the buyer kid take it for a test drive).
It would cost you a few dollars but then you'd be covered. Isn't that
the idea of insurance?
regards,
-v.
Walt
Possibly, one can add, as a rider, to include motor vehicles.
It is assumed that the owners of the house, and all family
members living there, have separate insurance policies on
any cars. In other words, you insured your house with a
homeowners policy; not your cars.
@prodigy.net John Bergan
hard to say. What is the condition of this tree? If the tree is an obvious
hazard, dead and falling down, and you do nothing about it, you are probably
liable for any damages it might cause to others(not damage to your own
property, like your car). If the tree is living and in good shape and a
storm comes along and knocks it over, or blows some branches down, and
causes damage, you are not liable.
--
John
Sue D. wrote in message <3a242ad6....@news2.inetarena.com>...
>No, it wouldn't be covered, according to our agent, nor would
>any guests cars...guess we'll have to put up a park at your own
>risk sign : )
>
>
Don K.
What did you think car insurance was for?
When you drop insurance to save money, you are "insuring" yourself.
Unless this was a neighbor's dead tree, in which case there might be
negligence involved, you have to eat the loss.
Don
"Sue D." wrote:
>
> Hi all,
> Wondering if anyone has anything good to say about insurance
> companies? We bought our son a new car and had the insurance
> transfered to it, leaving the old one uninsured (one of his friend's
> was buying it)...anyway a tree branch fell on it smashing the roof
> and blowing out the rear window...guess what? Homeowners
> insurance doesn't cover it...moral of story is that from now on, any
> one who parks in our driveway has to have full coverage on their
> car. Does this seem right? What the heck is homeowners insurance
> for anyway??? BTW this is Farmers Insurance...anyone know
> a better insurance company?
>
> Thanks for allowing me to vent,
> Sue D.
rgrif
was NOT INSURED... homeowners policies DO NOT cover this...
IF it was MY car that was destroyed ON YOUR PROPERTY Then your
homeowners insurance would pick up the tab for repairs ...
very similar thing happened to me...My one vehicle was not covered, the
vehicles
of friends, were in fact covered BY MY HOMEOWNERS POLICY...My Vehicle
was Covered by My AUTO INSURANCE. ...
I collect and restore cars as a hobby...and I DO INSURE them from day
one
without collision since they will not be driven etc... Insurance
coverage on a car
that is Off the road and not being driven is cheap...
Bob Griffiths