Buy to Let Building Insurance

I fell at my son’s home and he doesn’t have renters insurance is he responsible or is his landlord resposible?

Editor — Fri, 03 Sep 2010 08:11:33 +0000

I was told the landlord is responsible

Basement flooded at the house we rent. I do not have renters insurance – Landlord responsible in anyway?
If a landlord doesnt have home insurance and someone gets hurt?
I rent a home and my landlord just informed me that a insurance guy will be here on monday taking pictures of.
As a landlord of a paid off home do I need to have a homeowner insurance policy?

What kind of insurance & how much should a Landlord get coverage for any accidents occur on their property?

Editor — Fri, 03 Sep 2010 08:11:32 +0000

I will be renting out one of my properties and although I have full Home Owners insurance for myself, a family of 4 in North Central Ocala will be renting it for 6 months. I want to have adequate coverage for possible accidents that might occur on my property.

quotes from who?

Editor — Fri, 03 Sep 2010 01:28:02 +0000

“Smoking helps you lose weight — one lung at a time!”

“Today, if you ask a car dealer to let you see something for 10 grand, he’ll show you the door!”

“Medical insurance is what allows people to be ill at ease!”

“Prison inmates are treated to cable TV, hot meals and a college education, while on the outside some people can only afford these things through a life of crime!”

“In retrospect it becomes clear that hindsight is definitely overrated!”

“Most people are so lazy, they don’t even exercise good judgement!”

“If opera is entertainment, then falling off a roof is transportation!”

“A college jock is someone who minds his build instead of vice versa!”

“The only advantage to living in the past is that the rents are much cheaper!”

“Getting old is when a narrow waist and a broad mind change places!”

Lease to purchase on commercial real estate?

Editor — Fri, 03 Sep 2010 01:28:00 +0000

I am looking for a building to open up a bar/club. The seller of the building has the option to either lease or purchase. I was hoping to set up a ‘lease with the intent to purchase’ agreement. If the selling price of the building is $250,000, what is a reasonable lease cost? Who pays for improvents to convert the interior and exterior? Who pays property taxes and insurance on the building? Should I receive discounts for permanent improvements I make to the building (such as adding bathrooms, bar, DJ booth)? Is it going to be difficult to get permits, if I don’t own the building? What are some website or sources for ‘lease to purchase’ contracts? And on top of it all, the building might be historic and reside in an ‘Empire Zone’ (New York Sate’s draft enterprize zone, for tax breaks to attract businesses). Any help or advice would be highly appreciated! Thanks.

Where can you buy insurance for connecting to the power grid with a wind generator in Texas?

Editor — Thu, 02 Sep 2010 12:11:39 +0000

I have a friend who would like to install a wind generator for electricity, but the local power company will not let him connect to the power grid unless he can show that he has a million dollars insurance. Well, he cannot find any company that offers that type of insurance for any price. He has written to everyone he can think of but still no source of insurance. The reason he wants to connect to the power grid is to use it as his storage system so that he doesn’t have to maintain a whole bank of storage batterys. Does anyone know where he can get this type of insurance for a system that will be in the state of Texas?

this company called… cumis insurance, i wanna make fun of them, good idea?

Editor — Thu, 02 Sep 2010 10:31:32 +0000

i work in a building and one of the companies there is called “cumis insurance” im not kidding look it up… anyway i wanna make fun of them by using a big marker and take the “s” and put it in the place of “e” and take out the “c” and put in a “u”

now read it… what does it say lmao. who came up with that name for an insurance company anyway

Who is more responsible for Gustav, Obama or McCain? Can I get someone to re-build new home for free?

Editor — Tue, 31 Aug 2010 13:28:37 +0000

Since I thought it was more important to spend money on highheels and expensive dresses, I FORGOT to buy home owners insurance. And I really need someone to build me a whole new house for free!

So which candidate started this hurricane Obuma or Nursing home old fart McCain?

How much contents insurance do I need?

Editor — Tue, 31 Aug 2010 03:12:35 +0000

I am 23 moving into a small condo alone. It is 1 bedroom, 1 bath, small dining room, kitchen, and family room. Brand new everything (floors, carpet, washer, dryer, all kitchen appliances). Normal furniture that most woudl have. Is 20,000 enough?

Who wastes time like this?

Editor — Tue, 31 Aug 2010 02:28:47 +0000

I came home form work the last Thursday and Friday to a full answering machine with messages for a person named Julian Sweet (I don’t know who that is and his name is nowhere near my name). “Julian” apparently was online early Thursday and made MANY online requests for various services – home based businesses, auto/home/health insurance, travel packages, etc. and left my phone number in the request. We’re talking hundreds of requests. In the last three days I have had over 90 phone calls from different businesses seeking “Julian.” Today I started receiving mail for “Julian”. One of the items was for a new home owner’s insurance policy quote – and based upon the details in the proposal, this person knew my address, the year the home was built, a correct value, when the wiring was last checked… the whole nine yards.

Aside from being irritating and annoying, should I be worried about this? A friend of mine said that there are people who can with “one click” enter my information online and it is sent to hundreds of companies and it will look like I want their services. Is this true? And does anyone know how to make this stop, aside from changing my phone number and moving?

Thanks for your help…
I have lived at this address and had this phone number for ten years. I tried to think if there was anyone I had angered recently but I am drawing a blank. I don’t really have “enemies”… it’s crazy.

in California is it legal to run a daycare out of a house you are renting without liability insurance?

Editor — Tue, 31 Aug 2010 00:12:32 +0000

Should I buy a house.?

Editor — Mon, 30 Aug 2010 10:12:59 +0000

Ok – so my boyfriend works in Edinburgh, I work in Glasgow. We live (together) in Glasgow. The two cities are about 50 miles apart – it takes him about an hour to commute (an hour and a half door to door) each way. Not ideal.

SHould we buy somewhere for a year half way? While on paper this sounds ideal, we will actually spend £1200 ( about $2400) a year MORE if we both need to commute. Not to mention the legal fees, survey, building insurance etc etc.

He wants to work in Glasgow, because I am tied here for the next 2 and a half years…which is why we are only wanting to move for a year.

It’s likely that the house we buy will increase by £6000 – £8000 over the next year (but of course we can’t be sure – just guessing due to past performance…risky I know).

My question – would we actually make anything? What happens when you sell a house? HOw much does that cost? I can’t find any info on that….
Not to be too prickly, but Edinburgh is the capital of SCOTLAND. Glasgow is the largest city in Scotland. Which is an entirely different country than ENGLAND – who’s capital is London.

Is there a property tax and mortgage insurance calculator out there? Or…?

Editor — Sun, 29 Aug 2010 16:27:43 +0000

what would the monthly expences be for a 1 million dollar apartment building with 10% down in Brooklyn vs San Francisco?

My $5000 worth TV has broken. Is that ok to get the money thru home insurance?

Editor — Sat, 28 Aug 2010 16:16:23 +0000

One of my friends thinks that I shouldn’t go thru the home insurance as that will affect my history/credit, unless it is more than $10,000. Any advise?

Ok investors I f I buy a building can I live of of that and does anyone have info on investing money into a?

Editor — Sat, 28 Aug 2010 16:16:22 +0000

good investment I live in chicago and working but want new format for life to much work I do not mind but let me know good information on that……Ok

Insurance question? small double pane windows above my sliding glass doors at my condo shattered.?

Editor — Fri, 27 Aug 2010 22:32:05 +0000

Not sure how it happened, maybe a result of the neighbor upstairs doing something or possibly faulty building structure which is actually ocurring with some buindings in my complex. My HOA insurance covers only the outer structures, walls. I have renters insurance for personal items so would this be covered under my mortgage insurance? HOA says not covered by their insurance??

Period and Product cost (for Accounting)?

Editor — Wed, 25 Aug 2010 22:11:57 +0000

For the lists of costs I have to put whether if they are a period cost or product cost. And, if they are a period cost is it a selling expense, or an administrative expense. And, if they are a product cost if they are a direct materials cost, direct labor cost, or a factory overhead cost.

A. Attorney fees for drafting a new lease for headquarters offices.
B. Commissions paid to sales representatives, based on the number of lawn mowers sold.
C. Property taxes on the factory building and equipment.
D. Hourly wages of operators of robotic machinery used in production.
E. Salary of vice president of marketing.
F. Gasoline engines used for lawn mowers.
G. Factiry cafeteria cashier’s wages.
H. Electricity used to run the robotic machinery.
I. Maintenance costs for new robotic factory equipment, based on hours of usage.
J. License fees for use of patent for lawn mower blade, based on the number of lawn mowers produced.
K. Salary of factory supervisor.
L. Steel used inproducing the lawn mowers.
M. Telephone charges for company controller’s office.
N. Paint used to coat the lawn mowers.
O. Straight-line depreciation on the robotic machinery used to manufacture the lawn mowers.
P. Tires for lawn mowers.
Q. Engine oil used in mower engines prior to shipment.
R. Cash paid to outside firm for janitorial services for factory.
S. Cost of advertising in a national magazine.
T. Salary of quality control supervisor who inspects each lawn mower before it is shipped.
U. Plastic for outside housing of lawn mowers.
V. Steering wheels for lawn mowers.
W. Filter for spray gun used to paint the lawn mowers.
X. Cost of boxes used in packaging lawn mowers.
Y. Premiums on Insurance policy for factory buildings.
Z. Payroll taxes on hourly assembly line employees.

Free Insurance Quotes Online?

Editor — Tue, 24 Aug 2010 14:11:32 +0000

Hi, I just bought a car and I need to get insurance asap so I can drive. A friend told me you can get free insurance quotes from websites online. Is it true?
…I didn’t say anything about paying…

My Landlord and insurance fraud?

Editor — Tue, 24 Aug 2010 13:12:26 +0000

Here is the story a couple months ago a pipe broke in my house witch was connected to the sewage causing the water to leak in certain places damaging the carpet in my house including a closet that was full of our belongings, since my Landlord has home owners insurance he had replaced the carpet and made a claim for the many stuff we had lost in our closet -Good. But on the claim he had lied and said my Mom was his wife( My mom is the one renting from him) and that he was living in the house that we were renting from him and also all of the stuff lost was his. My mom had no idea of this and my landlord had no intentions of telling her about the insurance claim and the $1,000 he was suspose to give back to my mom. The question is what could she do could she sue him because also since the house was not suitable to live in my mom had to postpone a surgery that she had to get done. Thanks
We are planning to move in late Septmber

I’m paying $63 a month on home insurance on a home that cost 130,000 built in 2003. Is my monthly payment alo?

Editor — Tue, 24 Aug 2010 11:30:12 +0000

my home owner insurance went up

In the event of a total loss, how will the home insurance company pay for the loss?

Editor — Mon, 23 Aug 2010 17:31:20 +0000

Let’s say it’s a frame house, and the house is completely burned down in a fire. (let’s say it’s an HO-3 policy)

Will the company pay you a check for the amount the replace the house?
Or they will hire their contractors to build you a new house?

thanks in advance.

how much did you pay for a root canal on a back molar #32?

Editor — Mon, 23 Aug 2010 13:27:51 +0000

I just went to the dentist and they quoted me $1900 for a root canal, build up, and crown. This seemed a little high to me (especially since I do not have dental insurance)? To pull the tooth would cost $290 which also seemed quite high. I just want to know what everyone else thought about the price before I pay for a second opionion.
Thanks

Need help w/ website design?

Editor — Sun, 22 Aug 2010 19:31:38 +0000

Building a new insurance related website. Going to have my blog links, etc, and also links to places where you can get quotes, learn about state minimums, etc. http://insurnace.endofinternet.org can someone recommend some design tips? Do i need a logo instead of text in my header? What about the colors? Should I re-do my css??

Can anyone recommend an insurance carrier for insuring the contents of a house move (besides the movers)?

Editor — Sun, 22 Aug 2010 18:12:16 +0000

I am moving the contents of my house from California to Colorado using the PODS mover and storage – PODS insurance is very expensive and covers virtually nothing so I would like to find a reliable insurance company that will cover my belongings during transit and storage

Any Idea how much insurance payments are for a 5 unit apartment complex?

Editor — Sun, 22 Aug 2010 09:28:17 +0000

I’m looking to invest in a 3 unit building which includes one 3bd/1ba, 2bd/2ba, 2bd/1ba, and a 2 unit building right next door with two 2 bedroom’s in it.

Does anyone have a ball park figure or idea what typical coverage will cost?

earthquake deaths in a rented house?

Editor — Sat, 21 Aug 2010 09:18:38 +0000

ok, so i was just wondering,
what if there’s a really big earthquake in california,
and a house collapses on a family that rented that house.

would the owner be liable for the deaths?

what if the owner bought insurance?
oh… ok then

so what if the house wasn’t built safe, but the owner wasn’t the one who built it.
could he be blamed for “not keeping the house in shape” and blamed for the deaths?

Do you have to buy anything to let you to use the internet outside of your home?

Editor — Sat, 21 Aug 2010 07:31:31 +0000

For a laptop.

building improvement declaration cover ceiling and drywall?

Editor — Fri, 20 Aug 2010 13:28:29 +0000

I own a building (considered a condominium) that is insured for “Building Improvements” with limits of $200,000. The head of a sprinkler popped off outside the building and sprayed water through the soffet, under the roof and got into the drywall and ceiling. The insurance adjuster is saying that because I dont have building(s) coverage, that I am not covered for this loss. I cannot find anything in the policy that talks about building improvements and what that means. Can anyone shed some light on this?
It is also a commercial building that I rent out to small buisnesses.

Can I sue the person who started a fire at their home, which spread to my property?

Editor — Fri, 20 Aug 2010 05:28:30 +0000

A fire that started in a garage, caught my ca 1900 historic building on fire. Can I sue the property owner for damages, or just deal with my insurance company?

is it legal to start a not for profit private lounge?do you need licenses and insurance?

Editor — Thu, 19 Aug 2010 10:28:23 +0000

i am interested in getting as many freinds as nessasary togeather to split the cost of renting a a retail or commercial building along with buying a couple pooltables and other things associated with a lounge and making it a co-op not for profit place to hang out i am courius if any body can tell me if this is possable without going through all the buissness legal junk normally associated with starting a for profit company?
thanks for the info i dont mean a non profit in the traditional thinking,i mean not attempting to make money just collecting say monthly dues just enough to pay the bills this would just be some friends with a place to have fun all with an equal monthly payment to keep it going.

how can i convince my parents to let me buy a motorcycle?

Editor — Wed, 18 Aug 2010 12:11:24 +0000

im 15 and a half and i am trying to convince my parents to let me buy a motorcycle. i have a job, have enough money to buy a motorcycle, pay for gas and insurance. but they keep telling me that a motorcycle is to dangerous… can someone help me convince them to let me buy one?