If cars broken into while in the garage. Does insurance cover it if you dont have renters insurance?
Answers: A car would never be covered by renters insurance. If the car was broken into, you would have to have comprehensive (other than collision) coverage on the vehicle for damages to the vehicle to be covered (broken glass, jimmied lock, etc). If things were stolen out of the vehicle (that are not permanently attached), the coverage would come under a rrenters policy. Be careful, there are limitations on the renters policy for items stolen from the vehicle (especially electronics & CDs).
Your auto never falls under you renters or HO policy. This would fall under comprehensive coverage
Getting a ticket in a different county, will it still be reported to the insurance? 2nd in 18 months.?
Answers: yes it will be reported--slow down!! if you keep getting tickets they will arrest you for being a habitual offender then you'll lose your license
A different county does not matter. The tickets are statewide reported. I believe even in other states they will be reported. Another country as in another nation is not so bad but another county does not matter.
Do you hold a clue what our insurance will cost?
Ok, I'm perfectly natural, 23 years old, non-smoker.My wife is 22 and clearly healthy (no smoking, cronic conditions, medications) BUT she have had heart surgery, some other surgery, and a breast surgery... lump or something...
What are we supposed to do? does anyone enjoy a clue what it might cost... rough estimates are welcome...
gratitude
Answers: There is no way anyone here can contribute you a even a ballpark figure. Depending upon the prognosis both earlier and after each surgery, the exact type of surgery, and how long ago she have the surgery she may either be ridered for the conditions, rate up, or outright declined.
As mentioned in the past a higher deductible plan would probably be better for you, since 23 year ripened health males seldom move about to the doctor. If you got an HSA qualified insurance plan you could use the funds within the HSA account for your wife's precision, even if she isn't on the HSA insurance plan. In my area a $5000 deductible plan would run you around $45 per month and one around $2000 - $2600 deductible would run around $80 per month.
You'll want to call round a local independent agent that can get you quotes near many different companies and can work near you to find a plan that will accept your wife.
you will carry the best rate
after heart surgery, the only bearing to win here will be
a benefit from your employer that guarantees
enrollment upon being hired
crust in point - I have $150k for about $100/month - occupancy insurance (which is way better than integral life, but that's another question) go to work for the county government
where on earth I live and got 5x my stipend (a) 39 cents per thousand
- - - and the Sheriff gave us a $10k policy as a benefit
so I get $130k for $44/month! And I am now Diabetic 2 -
so I could not receive that good rate on my own!
adjectives the best
If you are talking something like health insurance next you are going to have a hefty premium because she is within child bearing age, plus she will enjoy riders on all of her strength condition if they were inwardly the past 5 years.
You are better bad having your own principal medical policy with a big deductible and no doctor visits etc. and put her on a policy near doctor visits but remember she isn't going to be covered for anything preexisting for a indisputable length of time.
If you are talking roughly speaking life insurance it will be honestly cheap because you are both so young...
You would hold to get your own policy by yourself, your rates would be preferred. Even though your spouse is surrounded by good form now, insurance companies will look at her former history, they would probably rider her breast, heart, and what ever the other surgery was for. Your best bet is to seize on an employer sponsored group policy, of course their rates will depend on the form and age of the whole group, so if it is a full-bodied group, you will get well brought-up rates, but if they are unhealthy, the rates will be lofty. You couldn't even begin to predict that, so it really is the luck of the draw.
Your spouses rate would probably double if you needed maternity, because to be exact very expensive.
As far as rates, name an independent insurance agent and talk to them.