Will my insurance payment for chimney repair?
Question:
I have be told that it is unsafe as its leaning into subsequent door- the affected bit is above the roof and within the loft. It looks like it have declined next to age to this point.
Will I have to stump up the bread or will my buildings insurance cover it? I know I should look in my policy, but can't find it!
Any guidance gratefully recieved!
Answer:
What have caused the chimney to be unsafe? If it be an earthquake then that would be covered - if it is deficiency of maintenance later that would not be (and if the chimney falls your liability may not be covered as you have messed up to keep the property surrounded by a sound state of repair and so be within breach of the policy conditions)
An insurance policy is NOT a maintenance contract
Better find it.
why don't you phone your insurance company and see if it's covered in your policy since you own misplaced yours.
Call your insurer and ask them to send you a copy of your policy. Or simply ask them if they cover it.
im sure you will own to pay for this one as it is not a insurance as it is beside age and not like storm dammage exra
give the name your insurance agent, and ask them. Both of my parents are insurance agents at a small, independent brokerage in California, and at hand are some things that are specifically excluded from insurance covered repairs. Your agent would know exactly what your policy covers. In the sources section, I've coupled to the home page of the insurance agency where my parents work.
Phone your insurance company.It might simply cover accidental mischief and not wear and tear.
Good luck.
should of have a survey before it could be house sloping first chimley then you win craks in walls later you start to role out of bed with me surrounded by mind haha first bits true
i doubt that your insurance will cover it, but you should talk next to your insurance agent just to trademark sure.
Most likely, unless you can prove it be due to an 'unforeseen natural even or fire' you will probably hold to pony up the cash for the repairs. If the problem is attributed to age and/or poor workmanship or termites or wood rot, etc. later this was an event that could hold been prevented near proper treatment, minor repair earlier, extermination, etc. Therefore insurance won't cover it.
I would suggest however that you christen you insurance agent and ask them to send you a copy of your policy. Keep within mind you want the LAST version that you SIGNED and agreed to. Once you bring back that policy in mitt, read through and see if you have a claim. Then brand name the claim. Do not ask the insurance agent if it's a valid claim.. remember he/she doesn't work for you. Any claim that you have will dance against his commission level on premiums salaried so he/she will probably tell you not to directory. Besides if you file a claim the worse that can begin is they deny the claim so it won't cost anything to try.
Good luck and I hope this helps.
Just an evaluation, maybe an insurance creature will give you an answer. Usually not on things that are newly getting old and deteriorating. If the elements knock it over or a tree fell on it or a chimney fire or it caved within and wrecked the room then I would chew over so after the deductible is paid. Have you gone to the insurance carrier's network site to see if there are any nonspecific helpful hints. Good luck.
This is a continuation issue, wear and tear. This will not be covered by your homeowners policy. Sorry to be the bearer of discouraging news...
If its common wear and tear and age, later no your insurance will not cover it, thats down to you as the householder to maintain your property not your insurance company. If you still try to claim through your insurance, they will more than credible send someone to investigate and report support on the condition of what remains of the chimney and if it goes posterior as wear and tear, they will deny the claim consequently, but you will have misspent time in getting the issue rectify before it cause damage to someone else property, thats abandonment and your neighbours insurers may come to you to pay for any repairs that may arise from the possibility of it collapsing and cause them damage
I am sorry to let somebody know you but the information you have given manner that you will have to earnings for this - how ever I would ask for a roofer to tell you what have gone wrong just within case, next when you have this effect of damage report run it from there. If gradual deteriorate, age later not covered. But the catch 22 here is the work have need of to be done.
I am sorry to say if it is a 'gradually operating cause' such as nonspecific wear and tear next you would not be covered as it is a homeowners responsibility/duty to maintain the property.
For nearby to be a valid claim there have to have be an insured 'event' such as storm, fire, lightning strike etc. as per your policy booklet. Insurance is there to cover 'unexpected events' and broad deterioration is not 'unexpected' it is inevitable over time and therefore largely uninsurable.
Sorry to be the bearer of bad news- but i would recommend that you still discuss it near your insurer.
ask your building insurer's, they should do, but all depends on your policies exclusions
Any 'gradually operating cause' (ie erosion, wear and break over time which has gone un-corrected) would not largely be covered by any insurance policy.
That said, it never hurts to ask - contact your insurer or broker for definitive advice.
I would read aloud not, the daft thing is if it fell down through glorious wind later yes you would be covered...the basics of insurance as the signature suggests is that it covers potential unforseen risks....if the chimney is leaning it is not unforseen that it will spatter down,,,,get it repaired
Did those on the Titanic enjoy travel insurance. Were they covered?
Question:
Answer:
No, there be not covered by any insurance. The shipping company were solitary liable to transport the passengers from a UK port to a USA port.
Further more, The Titanic misfortune was the grounds to trigger the need for :
1. Safety of Lives at Sea (SOLAS) conversion which dictate on the the availability of natural life saving, Fire Fighting equipments, procedures and training requirements at adjectives ships depending on each ship type, beside restriction on passenger ships.
2. Liability covers on passengers lives / twist of fate and luggage's, this became an integral cog of the sea do ( ticket price).
You may realize that you may insure every things against any thing. Some time its considered exaggeration
Hello,
interesting interrogate! I would like to know as in good health if they had insurance to ask for the money my grandmother.
They be covered by lots of sea dampen
No, cause it be apparently the unsinkable ship so no one thought anything would turn wrong...
I am both disable and retired, which one will benefit me most when applying for auto insurance?
Question:
A question on Auto insurance application ask what be my employement status make one choice.Disable or retired.
Answer:
Well, there's ALSO a ask about do you enjoy any disability that can affect your driving. So you'll have to answer that, as powerfully.
Neither of them is used as a rating question - so it isn't going to business. What will matter is if you enjoy a physical problem that interferes with your driving, OR, if you're 70 or over. Both of those can trademark you ineligible to be insured as a driver.
Go to an agent and tell them both.
You are considered retired.Even though you retired due to a disability.I am contained by similar circumstances. Check out AARP website.I'm not sure of the exact address.I am a member at 36 yrs. aged. so age is not a factor. You might tryj ust going to a search engine(yahoo.com or G00GLE.com or ask.com) and typing within the web go through box what you are seeking information on. ie "auto insurance for disabled"or American Association of Retired People
I'm afraid you wouldn't find any insurance company to give you an insurance cover. May be I'm wrong. However, it's too simple to find out:
1. Call any insurance company, an agent will see you and explain.
2. Check the website.
I'm sorry, I am not nifty
How can I obtain robustness Insurance?
Question:
my husband works full time but can't get Insurance inless he have been in that for a year and he has not and I own Pcos and I cant afford the coast of going back and forth to my doctor and plus the meds Iam suppost to be on is the a website that give you health Insurance or something Like that, I tried everything please give support to I need it in haste
Answer:
Individual health insurance can be amazingly complex. Contact a local, independent insurance agent. He/she will help you next to understanding the coverage, the implication of your "pre-existing condition" and the application process. Going to an on-line portal cannot do these things, and it costs you no more to have an agent represent you.
Be up-front and give an account them your health conditions and what type of coverage you are looking for. They are in attendance to assist you.
Call your Insurance Commissioners Office and ask for options. There is probably a Federal program for those who do not own insurance.
I had to pick up a private policy for a couple of years, and it's super-confusing. But I be working in HR at the time and I have a few friends in benefits who help me understand what I be looking at.
You can pick up a private policy for fairly cheap, but you hold to be careful because like mad of places will screw you in the small print. For instance, United Healthcare's individual policies enjoy wierd rules (they're also called Golden Rule, and they're one other name).
I have good luck near Fortis Healthcare. They have great prices, a ton of different option for private policies, and their coverage was really right for the money. http://www.assuranthealth.com/
The application process for a private policy is horrible. But be deliberate and answer everything they want to know. If you don't, you might find that they won't pay packet a claim for you or something.
If you dedicate a Saturday to wadding out applications for different insurance providers (Blue Cross/Blue Shield has angelic policies as well), then you can see where on earth you get the best rates and sign up!
You can jump to the county social services and they might give you some strength benefits. You might try to get a chore with form coverage yourself.
you can try this site, but only if you live surrounded by one of those states listed..
http://www.tonikhealth.com/
overrun up the short form here please, u will b contacted http://www.tkqlhce.com/click-1748196-103...
You might want to try and bookmark this site for research information on health insurance. report, articles and more. It may have the resources to minister to you with your quiz.
http://www.healthinsurance-guide.net/...
Goldenheritagelifeinsurance , involve to ask going on for possession natural life insurance. please lend a hand!?
Question:
Answer:
You might mean Golden Rule (800) 444-8990
I have a sneaking suspicion that they sell a product call upon heritage life insurance.
I don't know almost that specific company, but term is other better than whole. Cheaper. They try to flog you on how the whole builds interest, but you grasp more from a savings reason than whole natural life.
Since there is no Golden Heritage Life nominated on the internet, I have to assume they own been bought out by someone else. Call your state insurance department. They can report to you who is now handling your insurance.
No such company the company should any be
06263 Golden Rule Insurance Company
(Life/Health - Insurance Company) US: Indiana
06466 Golden State Mutual Life Insurance Co
(Life/Health - Insurance Company) US: California
If not then the company is a scam
Maybe you can try below website to find the information you need. It's in the order of term vs adjectives life insurance articles for your second view.
Health Insurance plan beside no pre-existing clause?
Question:
Does anyone know of any health insurance plans for the Chicago nouns that don't include a pre-existing clause? Or more specifically, ones that immediately reward for Remicade after switching insurance plans?
Answer:
I don't believe you will find an individual policy that will cover pre-existing conditions immediately. You will usually grasp group coverage (depending on the company's waiting period) that will cover it, if you had coverage and did not be in motion 63 days without other group coverage.
Health Insurance vary by state, but here in CT, group form is guaranteed issue with no Pre-ex. Individual insurance will cover some Pre-ex, but you would enjoy to check with a local insurance agent who know the Chicago market.
When the prefix 'pre' is placed beforehand the word 'existing' it can only imply the clause never existed!
In most cases if you can prove that health insurance be in effect for at most minuscule a year before the contemporary policy took effect all pre-existing clauses are waive.
The only time you can gain out of preexisting clauses, is through a group policy, with an employer, IF you enjoy proof of no lapse in coverage (or smaller number than 30 days lapse).
http://www.teamcorp.com/tc4486
they will not only insure you but reward him if he do have an quirk. Up to 1,000 per day.
Assurelifenhealth.com
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What are some the lies that natural life insurance agents voice?
Question:
about adjectives life or all-inclusive life?
For example, my agent say that my life policy would be compensated up in 10 years. I believed him and I didn't look at my policy. Then another agent from a different company showed me that my life span policy is not going to be paid up contained by 10 years. In fact, I will be paying the premiums until I'm 98 years ancient. So the new agent recommended me occupancy insurance and compare the cost and scenario of what if I bought term instead of my total life. Now I own a 30 year term and moved the brass value into a erratic annuity.
Anyway, I'm interested on what other lies that a life insurance agent say.
Answer:
I have small chronicle of things that a life insurance agent may read aloud. Check it out here: http://finance1o1.blogspot.com/2007/04/m...
The biggest one - this is a GREAT INVESTMENT. Second biggest one - this is a good forced stash plan.
Life insurance is never a good investment, or a well brought-up savings plan (unless you're chitchat about avoiding inheritance taxes type of estate planning - but that's perchance 1% of the time.)
What else do you buy without looking at it?
I hold this bridge...........
Ok that the problem insurance agents will tell you piece to get you to replace your current coverage so they can find the comission. The truth is term is ok if your looking for short occupancy coverage not long term. The problem near some term policys is it not may not be capable of get renew beside it expires. Two things will happen afterwards you lose all coverage if that adjectives you had, the second is it will be priced at you CURRENT age when it will be wrote. It is alway polite to have a possession policy and a whole energy policy that builds cash significance. Whole life Insurance policys is coverage until age 100 and it can not be invalidate unless you do not pay your premiums. I am a licensed insurance agent is NC, SC, GA, CA and TX.
Actually greatly. They guarentee returns on a Unit Linked Insurance Policy (ULIP). That was the most funniest article.
The most common one is "Our charges are the lowest contained by the market".
There are policies that are paid up surrounded by 10 years, 20 years and so forth. It could be that the company incorrectly issued it for a longer period. The 10 year would cost you more.
Depending on your age and strength, term is a viable product for some, but not necessarily adjectives. Agents can lose their license by lying. I'm sorry you had a fruitless experience.
From most new WL illustration that I have run, it clearly shows when the projected offset will occur base on current dividend rates.
From what I understand, subsidise in the 1980's, near was a big problem within the industry because of how the life insurance companies agents be trained. Hence the premium offset class performance suits that followed in the 1990s.
If the vivacity Agent/Broker lied, and you can support that claim, you can sue the individual . All agents/brokers carry E&O insurance! One lawsuits technique that they lose their life license forever (at least possible in Canada). As such, those that do sprawl, do it on their own peril.
Something else you should have be wary of is that you probably didn't involve to move the money into an annuity unless you had a taxable gain contained by your life policy. This medium that you had a difficult surrender value than you remunerated in. There are some low-cost annuities out here that charge .05% or $20 a month for the insurance contract, but those aren't the ones that most agents sell. Most unstable annuities cost about 1.2% to 1.5% for the insurance wrapper and afterwards you need to pay envelope for each subaccount.
Unless you be in a taxable gain situation, you could hold taken the cash contained by hand and remunerated down high interest debt or invested it into a lower-cost alternative.
Agents who flog based on their company strength instead of considerable features like conversion privilege, price, or guarantees bother me. There are other well rate companies that are extremely competitive. Two of my other pet peeves are when agents blow smoke going on for current assumption life products or pretend close to waiver of premium will solve their client's needs when they are disabled (these riders almost other cover total disability only not partial and they will simply pay for the go insurance premium which should be small compared to other expenses like a mortgage).
You should speak beside a financial planner in your nouns.
No one here can tell you what is best for YOUR situation unless you post adjectives of your personal information - age, health, dependents, income, expenses, reserves etc.
In your situation, both agents may have sold rude policies to you. One may have sold a one wood while you are on the green and the other may own sold a putter while you are on the tee. Neither may capture you where you want to be.
Good Luck
How to start a pet insurance company?
Question:
Answer:
Starting a pet insurance agency/company is incredibly time consuming in the US marketplace. If you go the agency route you call for to have an underwriter to hold your attention the risk or you need sufficient means to set up a captive reinsurer near a reinsurance contract behind it for stop loss coverage. Finding an underwriter within the US market is incredibly tough, most big insurance companies with A ratings or better are not interested within pet insurance due to its diminutive size and lack of historical notes.
If you go the company route, you hold two main choices: buy an existing shell company or set up a hot insurance company. The former route is easiest but you can never be 100% sure you're getting a liability-free entity so you should buy from a reputable insurer that is divesting and gain legal documentation indemnifying you from prior claims for non-related lines. If you are setting up a spanking new insurance company you will need $2 to $5 million dollars per state you do business contained by. There are "seasoning" requirements too so it will take you 3+ years to be licensed surrounded by every state. You will have to do statutory reporting regularly and you will have need of a small army of compliance staff to help you directory all the paperwork.
Don't scrounging to discourage you but it's a tough business to enter. It can be done but it may take you 1 or 2 years.
Alex
Embrace Pet Insurance
write up a policy, seize lots of money, get lots of relations to buy into it.
Well, you will need profoundly of money to get started because premiums from your member will not be enough contained by the beginning. Until you are established, you will inevitability money in the hill to pay claims. Go to a local university or business training organization and have someone give a hand you write a business plan. You might need investors or a pretty hefty loan to obtain something like this started.
Tell you what... I'll take-home pay you $10/month for each of my pets and if any of them stipulation surgery or other veterinary care, you own to foot the bill. Just draw up a contract and tell me where on earth to sign. Voila! You just started a pet insurance company.
The first entry that you will have to do is cause contact with the State Insurance Commissioner's Office surrounded by your State to see their criteria and requirements for captal, rate information, etc.
Until you've done that, you cannot go any further unless you are financially prepared to buy an existing company licensed to do business within your State.
All States are subject to the above requirements.
How long can you dally to report an calamity to insurance?
Question:
the accident i be in be a week ago....we wernt going to go through insurance but the estimate is much highly developed then any of us thought so now we do want to use insurance....can we beckon a week later to report it?? will that be an issue??
contained by nj
progressive insurance
Answer:
Well, Progressive likes to enjoy the report within 24 hours, but there's no set time boundary. It's not unusual for it to be a week later, for the exact motivation you stated - people dally for estimates to determine if they want to pay it themselves.
So in that shouldn't be any problem reporting it today.
yes you can still call it within
Your fine. get your fluke report from the police and present it to your agent.
I hope normally it is in 60 days.
Every state has their own statutes
For NJ you hold up to 6 years to report and file a claim...
No issue at adjectives. It happens adjectives the time. Just call them up and explain the situation to them.
Also formulate sure you ask them how it will affect your premium in the adjectives.
For example:
If you estimate is $1400.
You have a $500 deductible,
you income $500 and the insurance will pay $900
Your premium go up $200 every 6 months ($400 a year) for 3 years ($1200 total) ... you end up paying $1700 for a $1400 claim.
It is VARY occasional that it happens that course but you should ask and find out before you adopt payment from the insurance.
What do you do nearly strength insurance if you're moving out of state?
Question:
Cobra would be kinda pointless because it only covers us contained by the state that we live in and I've hear that a lot of individual vigour plans have to be used for a persuaded number of months before you can repeal it. What do you do for that first three months in a bright state while your waiting for employee benefits to see in?
Answer:
kinda in arrears in the activity, but what you do is negotiate your new employer to pick up the hand benefits on date of hire.
Also, I would check with the insurance to see how they would cover you if you're out of state - near is usually some "miles" provision if you don't live in zone - I have that problem when I lived in one zone and worked within another.
Try temporary insurance from Fortis (there are other companies that grant it)
Your COBRA coverage should be portable. If your plan has geographic limitations and you do not cart it, the next best entry is short term insurance.
Is my hotelier lying?
Question:
I am currently renting a home in Canada. Our tenant has asked to come and estimate each of the rooms for the purpose of "house insurance". The house be for sale for a year almost a year ago but the offer were nowhere effective what the owner wanted. Do homeowners inevitability the room measurements for insurance or is my recently rented home for Dutch auction?
Answer:
Probably both.
One piece of home insurance rating is the actual size of the property, but typically the insurance companies could care smaller quantity about the individual rooms (other than how lots rooms there are). If the insurance company requirements to get specific information roughly a property, they will hire an inspector to go and review the property.
I wouldn't hurt to start looking for a unsullied home to rent. That said, you (hopefully) have a contract/lease for the home and will hold until that runs out to still live in the home.
i dont know much in the region of that
but i dont think they call for measurements for insurance
When he comes over make the house look great and own a few guys over just contained by case I know I would do that. See your tenant has to endow with you notice in the order of him needing to come surrounded by the house for what ever reason he wants to be in in that for. At least this is what they do here surrounded by the USA I have no clue nearly Canada.
It is very much possible. Your manager made be trying to take out another loan on the house too. I do not know the law in Canada so you would stipulation to check it out. In USA they have to make available you a 3 day concentration before entering your home. So check out the housing ruling in your nouns.
Normally, for insurance purposes, you would use square footage of the house...Just basic length x thickness x floors.......If your landlord is measure each room, he (she) is measure living space.. Square footage - unused space's (closets, cupboards, etc) Living space is normally used when selling the house... Hope this help...
How much is the average inside london appartment?
Question:
i read online that it was 435,000 punds per month for a 1 bedroom appartment. and thats adjectives i need
Answer:
$435,000 Pounds per month is what- close to $1 million US Dollars. So- I live in medium Manhattan, essentially the center of the universe... There are no apartments that rent for an amount that high here, as you could efficiently BUY a one-bedroom apt for that amount. There are certainly gargantuan penthouses and lofts in NYC that would go for $20 million, but even those would still never rent for 435k a month! I think that probably Saks 5th Avenue's rent is less than 435k. In London, property values hold been estimated to be 70-80% of what propety values are surrounded by New York City, so I think you've any made a typo, or are way over-estimating. (Which is obedient, right? This way, you'll be pleasantly surprised by how much cheaper rental rates are than you initially thought!)
What does liablility insurance cover?
Question:
I got into an twist of fate and only hold liability does that cover the damage i cause to the other car...i know it does not cover my cars deface...is it worth is to go through the insurance or am i simply going to end up paying the unbroken thing anyway?
this is nj insurance if that matter
Answer:
The Auto liability protects you against damage to another vehicle or "other" property. Their is No deductible. The settlement is up to the maximum of your limits of liability. If you be involved in this collision and Injured some one the liability would also rate up to the limits set forth surrounded by the policy.
Don't try to settle and make compensation yourself. Report it to your carrier and enjoy them appraise the damage to the other vehicle....they will settle it.
If you tried to wage out pocket///likely the claimant would try to squeeze you for a settlement that is not f¨ºte.
If you are worrying about your rates going up.or person cancelled.. Don't.. It all depends on the frequency of claims you have and the reason you get in this luck. If you were ticketed for DWI or irresponsible driving then this is another story...otherwise. Let your company to the work...after adjectives that is why you bought the stuff!
Liability covers the harm to the other car.
But your rates will feasible go up as a result.
In our state, liability does cover the other vehicle and it's mess up. You should only hold to pay your deductible.
Liability will cover the damages you wreak to another vehicle up to the maximum of the policy with no deductible. For example, if you hold $15,000 in property harmed liability that's the most that the policy will pay. If you cause $20,000 worth of damage to the other vehicle you'll own to come up with the extra $5000.
Your insurance rates will stir up for three years so if the damage is minimal to the other vehicle you may be better stale paying it yourself. However, if you've already told the insurance company that you had an quirk they've probably already recorded it against you so your rates will dance up even if you haven't put in the claim.
Liability covers liability. Turn the thing over to you agent and let them advocate you
Likely your insurer will pay the interfere with to the other car solely. But see your agent pronto.
There are several types of liability coverage on an auto policy - one is bodily injury liability, the other is property damage liability.
If you enjoy insurance, you have both - so it will cover the devastate to the other vehicle (if you're at fault), up to the policy limit, as long as the other vehicle does NOT belong to you.
House Insurance?
Question:
My house insurance has be cancelled.
Does anyone have any name of insurance carriers
that would I could apply to.
I own two dogs a german shepard and a mutt. That was the rationale they are cancelling it.
I know within is a state insurance but its going to cost an arm and a leg.
Any help or thinking would sure be appreciated.
Answer:
Contact an independent agent. I know that Auto Owners does not have a restricted dog account but you are going to pay seriously because of the bad credit. Foremost should be capable of help you out.
Did any dog bite anyone? If not, Foremost writes homeowners insurance (they used to write just mobilehomes but in a minute they write regular homes) and only nurture if you have a dog that bit or displayed agressive behavior. If you enjoy a luxury home (over $500,000 or $600,000 replacement value), Chubb doesn't care what nice of dogs you have. Some companies will help yourself to German Shepards if you are the first owner and it has have professional obedience training. They will ask what the mutt is so hopefully you know the breeds of the mutt. I hope this help you. Call around to several independent agents, they each probably represent different companies. I would also try State Farm & Nationwide. I do not know their guidelines but it is worth a shot. They will ask why you are man cancelled so be completely up front with this. It could catch you in trouble next if you are not.
If you were near a Direct Writer like Allstate or State Farm....I would telephone a "large" independent insurance agency representing "many" companies.
Usually they "optional" markets that will write a Homeowners policy near a Dog like yours. The premium is base on a few factors ...(Claims history and your Credit score) but across the world (because you are not the only one near a German Shepherd)
Their are companies out their other than going to the State assigned risk program.
Sorry I can't make a contribution you any company names since I specialize within Business insurance but I know my Personal lines dept has contained by the past.... written a policy for folks within your situation.
GOOD LUCK!
Is there a DOG BITE CLAIM involved? The problem beside teh state insurance fund is coverage - it's much more limited. The lone thing is, they aren't going to offer you ANY LIABILITY coverage.
If there's a bite claim involved, and you don't want to get rid of the dogs, NO ONE will bear this, not even with a dog bite exclusion. If you find rid of the dogs, anyone will take you - if you warrant that you won't procure more dogs.
If there's no bite claim, Foremost Insurance will do a homeowners with a dog bite exclusion - however, it's MUCH more expensive than a standard homeowners policy. You can find an agent to hand you on their website - www.foremost.com.
insurance is a must do not waste time and apply asap
Farmers does not ask what breeds you hold. Try them.
gieco
I be wondering if you involve insurance or a license for an enduro/dual sport dirtbike?
Question:
my parents said you dont need a license or insurance for a moped, i considered necessary to know if you needed either of them for an enduro dirtbike? such as this http://cgi.ebay.com/ebaymotors/other-mak...
Answer:
As long as you're with the sole purpose using it on YOUR house or lot, you aren't traveling on public roadways or public parks, or someone else's property, you don't need to license it. Just approaching cars. You don't need a license or insurance or plates to drive your own coup¨¦ (or dirt bike) on your own property. Only once you hit a public road, or someone else's property.
If it needs to be registered, it wants to be insured. You can't get a plate for it in need insurance. Use that as your guide.
I suppose that it would mostly depend on the state that you are in. However, unanimously speaking, if you are not going to be using it on public roads, insurance will not be needed.
However, since it is still a motorized vehicle, you still will have to hold up with registration beside the DMV. Even farm equipment are adjectives registered, so just be sure that's okay.