Why should people who dont pay insurance get a free house?

ask: "Why should people who dont pay insurance get a free house?"

Example: Two different families own a house each, earn around the same income. One family goes without to pay house insurance, the other doesn't care. The person who doesn't pay insurance has their house burn down - the community donate them a free house. WHY? What is the point of sacrifice if those who don't invest in their future get more? I AM ANGRY Because for years i have been without, our whole family has, while those around us have skipped insurance and had extra. A fire happened and the neighbours will be better off than before the fire, it makes me wonder why i sacrifice when these people get what ever they need ?

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Should we cancel the house insurance ?

ask: "Should we cancel the house insurance ?"

My sister and I have joint custody of the house we grew up in back in the 70's and 80's. Our mother still lives there. The house was paid for a long time ago. Other than the obvious reason of having house insurance in case of an emergency or disaster, what other reasons are there to have it? What would happen if we cancelled it? Any legal issues ? We probably won't, but just curious . Thanks !

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How do you measure square feet? I have to measure my house for insurance purposes?

ask: "How do you measure square feet? I have to measure my house for insurance purposes?"

Last year it was insured for 1600 sq ft. This year they decided (on their own wihtout measuring it) that it is 3,000 sq ft! Even the town taxes me at 1400 sq ft! The insurance company said the town does that to help ppl save on taxes but I'm not so sure I believe them. This town is money hungry. Its not like them to try to help someone. Unless they can help you part with your money. My house is 1&1/2 story. The upstairs walls are slanted inwards in all rooms but one and the short hallway. It is a 4 bedroom but very small rooms. The insurance company said to times length by width and then add 1/2 of that for the upstairs. Is that right? I'm not sure I believe them. All they want is my money!

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What can you do if you discover black mold in your house, can you claim any damages from house insurance?

ask: "What can you do if you discover black mold in your house, can you claim any damages from house insurance?"

I know you need to wear a mask and gloves and use javex and ammonia to wash it away. I am allergic to mold, dust, and dustmites, so I believe I should wear a charcoal filtered mask to protect me from the toxins, it looks like a gas mask, and can be purchased from the safety supply store.

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Are stolen items on house insurance?

ask: "Are stolen items on house insurance?"

Today I had my handbag stolen with my ipod and camera inside. I have reported it to the police, but do you get stolen items, (or the money equivalents) on your house insurance?

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I got pick pocketed, will my house insurance cover the theft of my phone?

ask: "I got pick pocketed, will my house insurance cover the theft of my phone?"

Someone stole my phone out of my pocket. Will my house insurance cover it or will the excess charge be too high for it to be worth making a claim. And I know I shouldn't leave my phone on display! Any answers appreciated greatly.

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How much does house insurance change when you change your vacation home into a part time rental?

ask: "How much does house insurance change when you change your vacation home into a part time rental?"

I have a moutain vacation home that I may rent out once a month just to cover the applied mortgage. Is ther any caveots with insurance and what will have to be adjusted and cost extra? Thanks in advance.

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