codekansas/predictions.txt

## predictions.txt
[>....................]how compare home insurance
Predicted: ([ 0.39381921])in order to calculate your annual premium for home insurance it be necessary answer some basic question about the risk and obtain a quote basic characteristic of the home will include the year build , square footage , type of roof , foundation type , number of bathroom , style of home , prior claim and identify information of the owner you may obtain a quote and buy home insurance online use an online link in multiple state ; it may be use by escrow / closing professional , mortgage professional , real estate agent directly consumer an exemplary online experience for all WEBSITELINK
Expected: ([ 0.38000157])start by talk to your Insurance Professional it be important not only compare coverage offering and policy extension and limitation , but also the company that be offer this protection proposal and suggest coverage shall be base upon the result of a careful Reconstruction Analysis which will determine the amount of recommend coverage for your home
Worst: ([ 0.10991152])if you think you may qualify for Medicare due to a disability you shall first file for disability benefit through the Social Security Administration if approve you may be able get Medicare prior to age 65 due to a disability in order to qualify for Medicare due to a disability you must meet the criterion define the Social Security Administration : Social Security pay only for total disability no benefit be payable for partial disability or for short-term disability Disability under Social Security be base on your inability work we consider you disable under Social Security rule if you can not do work that you do before ; we decide you can not adjust to other work because of your medical condition (s) and your disability have last or be expect last for at least one year result in death you can apply for benefit through Medicare because of a disability online at WEBSITELINK if you be tech savvy if you choose not apply online you can apply at any local Social Security Administration office by phone in person and you can call ahead make an appointment by call 1-800-772-1213 if you be deaf or hear impair call the SSA toll free TTY number , 1-800-325-0778 their representative be available from 7am to 7PM monday through friday it be important note this definition of disability be different than other program and be a strict definition of disability according to the Social Security Administration there be many more comprehensive disability policy available which allow benefit be pay for a partial disability for example or pay benefit help with various expense such as pay your mortgage in the event that you suffer a disability in addition these policy can be purchase key people in a business such as a business partner or profitable executive for question regarding which disability policy may be good for you or how much coverage you may need it be good speak with an Insurance Professional they be highly train in the business of insurance and will complete a full analysis of your need and make recommendation base on what be in your good interest an Insurance Professional be a great resource for any other program and product that may be of benefit to you including state and federal resource that you may qualify for based on your unique situation such as apply for disability through the Social Security Administration there be a reason they be so highly train and regulate resource : www.ssa.gov
[>....................]can I cancel my car insurance after accident
Predicted: ([ 0.39240733])your auto insurance policy usally expire in 6 month or a year depend on your company it can also cancel for non payment of premium you shall keep an eye on your auto insurance pollcy make sure its up to date the premium have be pay before you get in accident and find you have no insurance
Expected: ([ 0.36288127])auto insurance an at will product this mean you typically can cancel your coverage at any time if you have not sign a contract that state a require period of time you must keep the coverage active with this carrier if you have a loan on the vehicle that you have coverage on then you may be contractually obligate keep a certain level and amount of auto insurance coverage on the vehicle until the outstanding loan be satisfied
Worst: ([ 0.11003365])the VA offer life insurance for veteran under certain condition 1) those separate from the service may convert their Servicemembers' Group Life Insurance ( SGLI to Veterans' Group Life Insurance ( VGLI for 120 day after release from active duty with a statement of good health this can be extend 1 year service disabled veteran Life Insurance ( S-DVI provide life insurance veteran who have be give a VA rating for a new service connect disability in the last 2 year totally disabled veteran can get free coverage disabled veteran who have qualify for a VA Specially Adapted Housing SAH grant may obtain Veterans' Mortgage Life Insurance ( VMLI unfortunately the VA do not offer coverage veteran who do not meet these parameter
[>....................]what license be need sell variable Life Insurance
Predicted: ([ 0.37472269])I be go answer this question as someone who sell whole life and universal life only I do not sell variable life insurance which be typically consider an investment first of all I think the word investment do not really apply to life insurance regardless of the type of product this be because life insurance be first foremost intended provide a benefit survivor any cash it develop be nice have but it be secondary the first priority in buy life insurance shall be get the most attractive premium for the entire time you need coverage even with very aggressive underwriting that cost can be high than the cost associate with conventional investment product now life insurance do have specific tax advantage these include tax defer cash accumulation and income tax free benefit you shall speak with your tax advisor for more detail if the insured be young enough and qualify for a low enough rate and be in a high enough tax bracket then the cost of his life insurance may be low than the tax he will pay on an investment outside life insurance here life insurance may be consider a smart investment in most other case life insurance will not be a smart investment but with a strong product from a strong company the guarantee cash value in a whole life or universal life product can be significant you can get more bang for your buck inside life insurance that you will from a standard conservative investment for that reason people do use life insurance as the guarantee conservative part of their financial portfolio
Expected: ([ 0.3516148])variable life insurance be another form of whole life insurance there be no special license need as long as you have a license sell life insurance you will be able sell variable life which license you need sell life insurance vary state state in my state of Florida all you need be a 2-15 or a 2-14 license
Worst: ([ 0.11922979])Medicare cover home health care service only if all the following condition be meet : your doctor must decide you need medical care at home and make a plan for your care at home you must need intermittent skilled nursing care , physical therapy , speech language therapy continue occupational therapy the home health agency care for you must be approve the Medicare program Medicare certify you must be homebound normally unable leave home without help Medicare beneficiary that meet these condition have coverage for the following type of home health care : skilled nursing care on a part-time intermittent basis skilled nursing care include service and care that can only be perform safely correctly a license nurse ( either a register nurse or a license practical nurse home health aide service on a part-time intermittent basis a home health aide do not have a nursing license but support the nurse by provide service such as help with bathe use the bathroom , dressing or other personal care these type of service do not need the skill of a license nurse Medicare do not cover home health aide service unless you be also get skilled care such as nursing care or other therapy the home health aide service must be part of the home care for your illness or injury physical therapy , speech language therapy and occupational therapy for as long as your doctor say you need it physical therapy include exercise regain movement and strength in a body area and training on how use special equipment or do daily activity like how get in and out of a wheelchair or bathtub speech language therapy ( pathology service include exercise regain and strengthen speech skill occupational therapy include exercise help you do usual daily activity by yourself you may learn new way eat , put on clothes , comb your hair and perform other usual daily activity you may continue receive occupational therapy if order your doctor even if you no longer need other skilled care medical social service help you with social emotional concern relate to your illness this may include counseling or help in find resource in your community certain medical supply like wound dressing but not prescription drug or biologicals durable medical equipment such as a wheelchair or walker Food and Drug Administration ( FDA approve injectable osteoporosis drug in certain circumstance currently Medicare do not cover ( do not pay for any of the follow 24 hour a day care at home ; meal deliver your home ; homemaker service like shopping , cleaning and laundry and personal care give home health aide like bathing , dressing and use the bathroom when this be the only care you need most of the time your doctor , a social worker or a hospital discharge planner will help arrange for Medicare cover home health care however the decision on which home health care agency or worker belong to the patent
[>....................]can I get term Life Insurance if I have cancer
Predicted: ([ 0.36022583])if you have a health history of critical illness in your family you shall consider secure critical illness insurance if old relative have critical illness the result in assist live or nurse home confinement you shall consider secure critical illness insurance if you have indication you may be susceptible to a disease you shall consider critical illness insurance while your health condition be reasonably good
Expected: ([ 0.25137067])while try purchase a life insurance policy with a history of cancer can prove challenge even if the cancer have be effectively treat and eliminate it be possible in fact possible get term life insurance with a cancer history the rate for a life insurance policy be determine the risk classification you qualify for for example a person who qualify for a standard risk class will be view as have a normal life expectancy while someone who only qualify for a substandard rate also know as a table rating and designate with letter A j or 1-10 be consider have a short than normal life expectancy since the life expectancy will be consider short for someone with a history of cancer a table rating may be assign and a high premium charge every life insurance company have their own underwrite guideline so some company may respond with a more favorable risk class offer than other even though they be base on the same exact medical profile there be several key item that insurance company will look at determine the risk classification assign for your policy some of those item include : 1) type of cancer - colon cancer , breast cancer , lung cancer , prostate cancer , melanoma , ovarian cancer , skin cancer or other internal cancer stage of cancer - stage 0 , stage 1 , stage 2 , stage 3 or stage 4 stage 0 be carcinoma in situ and means the cancer likely have not spread to other organ stage 1 , 2 and 3 indicate more extensive disease with large tumor or spreading in stage 4 the cancer have spread to other organ and life expectancy be usually very short if there be melanoma only the Clark Level will be consider the same way the above stage course of treatment how be the cancer treat do you go through chemotherapy or radiation surgery only immunotherapy bone marrow transplant something else how long since the treatment complete last date of treatment cancer that be find and treat 5 or more year ago will be see more favorably than cancer diagnose only 1-2 year ago the long it have be since the cancer be treat eliminate / go into remission the less likely it be consider come back have you be treat be be treat for any other health condition such as heart disease , diabetes , high blood pressure , high cholesterol , abnormal lab test result , etc. the good way obtain term life insurance with medical history include cancer be with the help of an independent life insurance agent that represent many of the top insurance company they will be able shop your full medical history for the good possible offer before apply for a policy that way you know what the most likely outcome will be before ever start the process of fill out formal paperwork and take an exam not only that but there be no charge or fee for use the help of an agent ( agent be pay the insurance company the insurance cost be exactly the same as if purchase directly from the company by law the insurance company not can charge you less for apply directly I hope the information be helpful - please feel free contact me for assistance with your life insurance coverage need including shop the case provide quote and compare option and if you have any other question thanks very much
Worst: ([ 0.11708517])auto insurance cost be determine many factor in no particular order those factor include garage address , age , sex , marital status , 3-5 year driving record , vehicle , vehicle safety feature , vehicle use , desire coverage limit , homeowner or renter , credit , safety course , etc. the DIY type can shop online but with the myriad of factor you may want contact a number of local insurance professional for guidance in secure the good price but more importantly the right coverage
[>....................]do insurance cover a key car
Predicted: ([ 0.48087925])yes if you have what be call other than collision coverage or comprehensive then typically vandalism will be cover your auto insurance policy up to the policy limit less the policy deductible please read your policy completely understand the coverage provide and any exclusion there may or contact your local agent have them go over the policy with you
Expected: ([ 0.44144368])if you have comprehensive physical damage coverage on your car then that will include coverage for vandalism your insurance claim professional my need have a copy of a police report wich you will have file with your local department after you have file the complaint and open your claim with your Insurance Professional it will be a good idea obtain a repair estimate claim can have as well the more preparation the faster the settlement
Worst: ([ 0.12625279])how employer Health Insurance start 1920-1930 : the rise price of medical care in 1,929 2 doctor Ross and loo form Ross Loos Clinic provide medical care 2,000 employee of the water department of Los Angeles for $1 per month per employee Ross Loos grow to 29 location in LA provide medical care city employee at a fixed cost per month whether they visit the doctor or not the precursor to Blue Cross be found in 1,929 a group of Dallas teacher who contract with Baylor University hospital provide 21 day of hospitalization for a fixed $6.00 payment the Baylor plan develop as a way ensure people pay their bill 1930-1940 : the birth of Blue Cross and Blue Shield prepay hospital service plan grow over the course of the Great Depression prepay hospital care be mutually advantageous to both subscriber and hospital during the early 1930s when consumer and hospital suffer from falling income the aha design the Blue Cross guideline so as to reduce price competition among hospital prepayment plan seek the Blue Cross designation have provide subscriber with free choice of physician and hospital , a requirement eliminate single hospital plan from consideration despite the success of Blue Cross and prepay hospitalization policy physician be much slower in provide prepay care Blue Cross and Blue Shield develop separately with little coordination between them physician worry a third-party system of payment will lower their income interfere with the physician patient relationship and restrict the ability of physician price discriminate in the 1930s physician be face with 2 situation that spur them develop their own prepay plan Blue Cross plan be become popular and some physician fear hospital will move into the realm of provide insurance for physician service thus limit physician autonomy advocate of compulsory health insurance look to the emerge social security legislation as a logical means of provide national health care physician begin organize a framework for prepay plan that cover physician service in 1,939 the California physician service ( cps begin operate as the first prepayment plan design cover physician service open to employee earn less than $3,000 annually cps provide physician service to employee group for the fee of $1.70 per month for employee the AMA encourage state and local medical society form their own prepayment plan these physician sponsor plan ultimately affiliate and become know as Blue Shield in 1,946 Blue Shield plan offer medical surgical benefit for hospitalize member doctor charge patient who be subscriber to Blue Shield the difference between their actual charge and the amount for which they be reimburse Blue Shield the market for health insurance explode in size in the 1940s grow from a total enrollment of 20 million in 1,940 to nearly 142 million in 1,950 during WWII there be a wage freeze however the federal government permit employee provide benefit instead of wage company begin offer health insurance employee and the employer sponsor health insurance market explode
[>....................]what be the high rate Life Insurance company
Predicted: ([ 0.34639105])the Colonial Penn website allow you put in your personal information so that you can obtain an instant quote they have several type of policy make it impossible state how much a policy cost here there be other website that also give instant quote so it will be a good idea look at more choice compare
Expected: ([ 0.29540011])the high rate life insurance company in no particular order be New York Life northwestern mutual TIAA-CREF USAA they all have the high rating a company can achieve by the credit rating agency technically not an insurer but a fraternal Knights of Columbus also have achieve rating on par with the above list company
Worst: ([ 0.11186007])Medigap , also know as Medicare Supplement Insurance and Plan F payment go directly to the service provider it be good ask in advance whether your doctor , provider or supplier have accept assignment participate provider have sign an agreement for all Medicare cover service participate provider have also agree charge you only the Medicare deductible and coinsurance amount and usually wait Medicare pay its share before ask you pay your share they have submit your claim directly to Medicare and can not charge you for submit the claim
[>....................]what look for in a home insurance policy
Predicted: ([ 0.3979961])dwelling fire coverage be typically the least costly coverage for homeowner insurance this type of policy will typically provide coverage name peril only most homeowner purchase a comprehensive homeowner policy with broad coverage this type of policy be the most inclusive for coverage get a good understanding of the type of homeowner policy available within your area contact a local agent discuss your want and need for your homeowner policy
Expected: ([ 0.35417008])you want make certain your home be cover for a dollar amount that will allow you rebuild it shall you experience a complete loss look at loss of use clause - this typically provide money you and your family be live expense for up to a year or until your home be rebuild after experience a complete loss what coverage be provide and what exclusion be there be there specific coverage that you want please contact a local agent , they be best equip assist you get your home properly protect there be too many thing take into consideration when look at coverage explain here
Worst: ([ 0.11179788])yes life insurance cover death by cancer a person who purchase a life insurance policy must honestly present their health detail at the time of apply and the insurance company may order medical record after that the policy be approve cover death all reason except suicide in the first 2 year sometimes people will opt for a rider that exclude death due to be a pilot but there be rarely an exclusion for cancer unlike accidental death insurance that cover only accidental death , Life Insurance cover death by all accidental natural cause including cancer
[>....................]can Roth IRA be tax in the future
Predicted: ([ 0.43970612])your contribution to a retirement program be available at any time subject to a penalty from the IRS and taxation as ordinary income the company contribution may not be available at all check with your plan administrator determine how much you can withdraw check with your accountant forecast how much you will owe in tax
Expected: ([ 0.37338457])that be a great question while anything can change the current feeling in government be people need be able save for retirement so as to relieve the burden on the social welfare program in that regard it be unlikely they will change the tax advantage of your Roth then again with the track record of decision making show over the last few year who know thanks for ask
Worst: ([ 0.11431577])there many factor that go into the cost term life insurance to say what an average plan cost it will different every person due to a number of factor include their age amount of coverage they want how long they want the coverage their risk classifcation whether they apply with full underwrite nonmedical term coverage at age 62 you will have term life insurance option for 10 , 15 , 20 or 25 year - 30 year term insurance will not be available due age - you will need look at permanent program secure coverage long than 25 year if you want consider coverage beyond 25 year I will suggest look at a guarantee universal life insurance policy ( gul if you be look for something in the $100,000 , 10yr term insurance range you can be look at premium of about $35 per month to over $100+ per month $250,000 , 15 yr term can be as low as $103 per month so on and so forth however any number I quote without more detail regarding your medical history will be useless the risk classification be the most critical factor in determine the cost ( premium of a life insurance policy the risk class depend on a number of factor include whether you be male or female , your medical history , height / weight profile , any tobacco usage and other factor please keep in mind every carrier have their own set of underwrite guideline and mortality table and each may offer a different risk class for a give medical profile - e.g. company A may offer prefer feature low rate and company b may only offer standard feature high rate consult with an experienced life insurance broker will be the good course of action broker can shop the case for you among a number of carrier see which 1 will work best for your program and help you structure a policy that will best serve your need and your budget I hope the information be helpful - please feel free contact me for help and if you have any other question thanks very much
[>....................]when do Life Insurance take effect
Predicted: ([ 0.39672112])a life insurance policy become effective on the effective date that be the official date the policy be issue the insurance company in order to be issue the insurance application must be review and approve the company underwriter once the underwriter give the okay coverage go into effect
Expected: ([ 0.37016031])it depend if you pay the initial premium with the application coverage will be effective on the application date once the policy be approve and any additional premium due be pay if you do not pay a deposit premium the effective date be either the approval date or a date in the future if the application request a future effective date
Worst: ([ 0.12066919])mobile home insurance be the same concept as homeowner insurance for site build home ; however the coverage be usually only provide specialty company various reason which I will discuss infra mobile home insurance typically mirror a homeowner policy in the fact it have coverage for the dwelling , other structure , personal property , loss of use , personal premise liability and all the optional coverage such as identity theft , personal injury , etc. mobile home insurance be usually only provide specialty company such as foremost American Modern , American Reliable , aegis , etc. mobile home present a unique loss exposure site build home be usually construct much better than mobile manufacture home and site build home have a variety of fire resistant material use in them mobile home on the other hand typically dry up fairly quickly and it be not unusual see a small fire cause a total loss in a mobile over 15 years old as the mobile have then become a tinderbox mobile also can vary on the foundation depending on local building code for instance in California mobile be not subject to state building code so each county assessor office determine what qualify as a permanent foundation 1 county require a full concrete perimeter foundation with earthquake retroffiting i.e. bolt whereas another county will allow the homeowner lay down a strip of gravel , stack some cinderblocks and set the mobile on it this inconsistency make profitable underwriting somewhat challenging it can be tricky purchase mobile home insurance as many agent try sell a depreciate value policy mobile home be the 1 coverage that do not use replacement cost as determine contractor labor plus material repair or replace replacement cost policy for mobile home be based on the purchase price for a brand new mobile of like kind and quality plus transportation and installation after 10 year of age or so many mobile homeowner claim they will not want a new mobile anyway they will go purchase a use 1 ; therefore they do not buy replacement cost , they only buy depreciate value while this can be a significant savings on your annual premium the likelihood of a total loss be much high in a mobile than in a site build home and the danger be you will only get pay $5,000 - $10,000 good luck purchase 1 and transport / install it onto your property for that amount
[>....................]why be Health Insurance cost rise
Predicted: ([ 0.36637214])there be numerous factor involve in the rise cost of health insurance and 1 can write a book about them some of the most important factor ; 1) health care cost continue rise whether it be hospital service , physician care , prescription drug or virtually any health care service you can name their cost continue rise from 1 year to the next health insurance rate be merely a reflection of the underlying cost of the health care service their policy cover Obamacare tax and fee bury in your health insurance premium be tax and fee that be create the Affordable Care Act some direct such as a reinsurance fee that over $5 per cover person per month in 2,014 to use to offset loss that insurance company may incur from enroll too many unhealthy member now that ObamaCare have prohibit underwrite risk preexist condition exclusion to the medical device tax that add to the cost of a wide variety of medical device such as artificial hip joint these increased cost be of course pass on to the consumer change to how health insurance policy can be rate and issue - ObamaCare require health insurance policy be guarantee issue ( a person can not be decline for coverage no pre-existing condition exclusion , limitation or waiting period be allow this literally mean a person can be terminally ill or about give birth and if they enroll during the annual open enrollment period or a special election period they be guarantee get coverage obviously take on a claim that can range from thousand dollar to a million or more when the insurance company in turn may receive only a tiny fraction of that amount in premium payment from the sick injured person create a shortfall that have be make up through high premium for other insured person increasing consumption of health care service as the American population age ( with the baby boom generation moving into its retirement year they naturally consume more health care service of all type with the barrier to access to health insurance be remove and Medicaid eligibility expansion this also increase the consumption of health care service a basic law of economics that increase demand for something with a limited supply there be only so many doctor , hospital , etc. will lead to high price while this be not a comprehensive list of the factor drive health insurance cost high these be some of the key ingredient
Expected: ([ 0.36637214])there be numerous factor involve in the rise cost of health insurance and 1 can write a book about them some of the most important factor ; 1) health care cost continue rise whether it be hospital service , physician care , prescription drug or virtually any health care service you can name their cost continue rise from 1 year to the next health insurance rate be merely a reflection of the underlying cost of the health care service their policy cover Obamacare tax and fee bury in your health insurance premium be tax and fee that be create the Affordable Care Act some direct such as a reinsurance fee that over $5 per cover person per month in 2,014 to use to offset loss that insurance company may incur from enroll too many unhealthy member now that ObamaCare have prohibit underwrite risk preexist condition exclusion to the medical device tax that add to the cost of a wide variety of medical device such as artificial hip joint these increased cost be of course pass on to the consumer change to how health insurance policy can be rate and issue - ObamaCare require health insurance policy be guarantee issue ( a person can not be decline for coverage no pre-existing condition exclusion , limitation or waiting period be allow this literally mean a person can be terminally ill or about give birth and if they enroll during the annual open enrollment period or a special election period they be guarantee get coverage obviously take on a claim that can range from thousand dollar to a million or more when the insurance company in turn may receive only a tiny fraction of that amount in premium payment from the sick injured person create a shortfall that have be make up through high premium for other insured person increasing consumption of health care service as the American population age ( with the baby boom generation moving into its retirement year they naturally consume more health care service of all type with the barrier to access to health insurance be remove and Medicaid eligibility expansion this also increase the consumption of health care service a basic law of economics that increase demand for something with a limited supply there be only so many doctor , hospital , etc. will lead to high price while this be not a comprehensive list of the factor drive health insurance cost high these be some of the key ingredient
Worst: ([ 0.116014])yes yes & yes although renter insurance be design protect the Personal Belongings of the Renter the policy also include personal liability coverage there have be endless number of case in Small Claims court where there be issue between landlord and renter following damage to rental unit with the presence of a Renters Insurance Policy the insurance company will investigate the claim and find if in fact the renter negligence cause the loss ; if so the damage repair will be cover the tenant personal liability section of the Renters Insurance Policy in some States the renter insurance policy be a requirement under the condition of the standard rental agreement ; however it be prudent of landlord require renter insurance as a rhetorical question will you wish rent your property to a tenant not concern with insure their own belonging renter insurance be very inexpensive and contrary to common belief , you do not have speak to a salesperson obtain a quote and buy the insurance in many state the minimum coverage be $10,000 or $15,000 personal property and the policy automatically come with $100,000 personal liability depending on your select deductible the premium may be as low as $100 per year if you be responsibly cautious only about the liability issue we will recommend select the high deductible since this will generate the low premium ; the deductible do not apply to the liability section an online free quote and online platform buy renter insurance online you may use WEBSITELINK this link will allow you get an online quote , select the coverage and deductible you desire and issue the policy online for further detail or review your present coverage you may contact a license company representative toll free at 877-931-3368
[>....................]be Life Insurance really worth it
Predicted: ([ 0.40780231])as far as borrow money on a term life insurance which have no cash value therefore there be nothing borrow term life insurance be basically rent life insurance for a certain period of time cash value life insurance policy or permanent own life insurance do accumulate cash value and at a certain point can create a loan to the policy owner
Expected: ([ 0.30675852])video transcript : today question , life insurance really worth it well that be a good question if I have financial liability like indebtedness , a mortgage if I have future obligation like a college education for my child or my retirement or I want replace my income for my family if something happen to me I think that be worth it how do I pay for that you may want look at term life insurance if you have a temporary indebtedness or future obligation and it be temporary that can be your play because that be the cheap way play and that make it worthwhile if you have ongoing financial indebtedness or future obligation or you need replace income or you have terrible intent you probably need buy a permanent form of life insurance depend upon what you be try cover I think life insurance be absolutely need and necessary and yes I think it be worth it
Worst: ([ 0.10580423])yes they do in most States it cover your possession when rent a residence in addition to progressive many company sell this important product however they may not offer it in all States it be an important coverage 1 my adult son find out first hand when a grease fire set his rent apartment ablaze when he be in college damage most of his possession and cause smoke damage to other unit within the complex ( liability issue fortunately surprising to me ... as his father he have purchase a renter policy it also protect the policyholder with liability coverage for accident that may harm someone on the rent premise as a result of possible allege policyholder negligence like homeowner insurance renter insurance protect the policyholder property from damage cause several common peril include fire , theft , water damage and other circumstance that a landlord policy may not cover
[>....................]what be an example of a Disability Insurance company
Predicted: ([ 0.39486742])the American Medical Association disability product be underwrite and issue United States life and be offer with a pretty substantial discount the benefit offer under this plan be generally inferior to other individual disability insurance plan that be available from more well known individual disability insurance carrier these other product offer a good definition of disability and high quality additional benefit
Expected: ([ 0.2921434])there be many well known insurance company that sell disability insurance both short long term perhaps you may know Metlife , Assurity , principal mutual guardian , mass mutual fidelity insurance group even the big reinsurer Lloyd of Loudon sell disability insurance for short term disability plan there be a few most will recognize like AFLAC , colonial and combine
Worst: ([ 0.12814476])based on the question I have make assumption your old air conditioner just wear out and break down if this be the case then no your homeowner insurance will not cover get you a new air conditioner homeowner insurance police be not warranty or maintenance policy this include mechanical breakdown damage must be sudden and accidental fire or vandalism will fall into the sudden accidental category
[>....................]what do Life Insurance medical exam look for
Predicted: ([ 0.40501311])the life insurance medical exam be simply look for clue as to how rate / set the premium for your policy life insurance charge be determine partly how long it will be before the death benefit be pay out if you statistically have many year of life left base on your health and other risk factor your rate will be low the life insurance medical exam test for evidence of certain health condition , smoking and drug use ... all risk factor that help determine how long you may live
Expected: ([ 0.40501311])the life insurance medical exam be simply look for clue as to how rate / set the premium for your policy life insurance charge be determine partly how long it will be before the death benefit be pay out if you statistically have many year of life left base on your health and other risk factor your rate will be low the life insurance medical exam test for evidence of certain health condition , smoking and drug use ... all risk factor that help determine how long you may live
Worst: ([ 0.12106709])if you want help fill in the gap that original Medicare do not cover then you shall consider buy Medigap Medicare Supplement insurance a Medigap Policy can help pay your share of Medicare cover service ( the coinsurance , copay and deductible generally Original Medicare Part A and b only cover 80% percent your health care cost leave you with the remain 20% pay out of your pocket unless you have a Medigap Plan if you have a significant health issue arise twenty percent can get hit your budget pretty hard a $3,000 procedure will cost you $600 in coinsurance a $10,000 procedure will cost you $1,000 surgery cost $100,000 will leave you with a hefty $20,000 bill some people believe they shall wait until their health dictate a need for Medigap insurance unfortunately wait be not the good option as you may not qualify for Medigap insurance once you need it Medigap insurance company be not bind to the Affordable Care Act so they can ask health question ( unless you be in a guarantee issue situation or your initial open enrollment period your Medigap application will have be approve through the medical underwriting department find out if you be in your initial open enrollment or a guarantee issue situation you can work with an agent specialize in Medicare supplement insurance or call Medicare directly if you do qualify you will be able buy a Medigap Plan in your state and not be require answer any health question if I can assist you with your specific situation please feel free contact me
[>....................]do the Federal Government offer Disability Insurance
Predicted: ([ 0.39632553])most disability plan be set up pay 60% gross pay but some plan can go high depending on your age and occupation long term disability plan usually have a Social Security offset so the amount you receive from the policy may be less than 60% but when add to s your total monthly shall be 60% gross
Expected: ([ 0.3926436])by pay your Social Security tax you be pay for the right receive Social Security disability SSDI benefit if you be become disabled the criterion for receive Social Security benefit may be strict than the criterion for a private disability insurance policy and the amount of benefit receive be less than you can get with most individual disability insurance policy
Worst: ([ 0.12226343])that be go depend on the carrier some carrier off a five percent discount for have an alarm system on your home other may offer no discount or possibly more of a discount the amount of discount may also vary depending on the type of alarm system that you have be it local or do it connect directly with the police or fire department contact your local agent find out about the discount that may be available for your homeowner policy
[>....................]why do I need Disability Insurance
Predicted: ([ 0.41111857])long term disability insurance be a way protect your income if you become sick or hurt and be unable work think about it this way your income be very valuable if you take your annual income and multiply it by how many year you be plan on work this be how much your income be worth for someone make $50,000 and plan on work for 20 year their income be worth $50,000 x 20 that equal , $1,000,000 people buy long term disability insurance protect that $1,000,000 please feel free contact me if you have any question
Expected: ([ 0.37469223])you need Disability Insurance if you , your family or business will suffer hard consequence if you be be unable work for a long period of time many family be only a couple paycheck away from lose their home Disability Insurance can relieve the worry of what will happen if you be unable work
Worst: ([ 0.11376023])you can switch your auto policy at any time the most popular motivation switch insurance carrier be price people look for the good price for there insurance all the time other reason switch will be a new car purchase or moving to a new state switch carrier be easy and there be many choose from shop your auto insurance around be a great idea compare price use agent can help you find insurance carrier that you normally will not have access to but go direct to and insurer online be also beneficial cut out a middle man and get quote instantly be sure check the term date be it 6 month or a year policy this can effect the way you compare the premium you will want match your old coverage with your new quote make sure the coverage be the same or similar this can prevent a coverage gap where you think you have coverage if you new vehicle be not so new any more you may want lower the amount of coverage on a particular vehicle this can help lower your premium on the new policy or you can amend you current 1 so while you can switch you insurer at any time do your research and make sure it work in your favor
[>....................]how file a claim on renter insurance
Predicted: ([ 0.4250699])in order to file a claim on your renter insurance you simply need call the company you have the insurance with no different then file an auto insurance claim the insurance carrier that you have your renter insurance with will take the information and assign a claim adjuster work with you on your particular claim
Expected: ([ 0.4250699])in order to file a claim on your renter insurance you simply need call the company you have the insurance with no different then file an auto insurance claim the insurance carrier that you have your renter insurance with will take the information and assign a claim adjuster work with you on your particular claim
Worst: ([ 0.11327171])anyone 65 old on Medicare who want create a very predictable healthcare expense structure where they do not leave themselves exposed to many cost and high hospital / doctor bill shall buy a Medigap plan Original Medicare ( Parts A & B only cover about 80% a senior health care expense leave the insured responsible for the other 20% while 20% do not sound like a very big figure it can add up to a nice big medical bill really fast for example if you have a procedure do that cost $10,000 and Medicare pay for 80% ( $8,000 , you will be responsible for the other $2,000 of the bill how many people can just get out their checkbook and write a check for that amount that number can be a lot high too the idea of a Medicare Supplement plan ( commonly refer to as a Medigap Plan be cover the gap in coverage that Medicare do not pay for e.g. that other 20% you pay a monthly premium get these gap cover so you be not hit with large bill the result major advantage it allow a senior create a much much more predictable health care expense structure and when you be on a fixed income this be vital a plan f be the most comprehensive Medicare supplement plan available in the marketplace today - plan c , g and n be very competitive as well I hope the information be helpful - please feel free contact me for assistance with your Medigap coverage need including quote and plan comparison and if you have any other question thanks very much
[>....................]how much do Medicare cost a retiree
Predicted: ([ 0.39334539])according to Heritage.org Obamacare cut $716 1,000,000,000 from Medicare from 2,013 - 2,022 most of the cut come in the form of reduce payment for hospital service ( $260 1,000,000,000 , reduce funding for Medicare Advantage ( $156 1,000,000,000 and reduce payment to charity hospital ( $145 1,000,000,000 all of these cut combine mean limited access to medical provider , fewer advantage choice , high part d premium and high part d out of pocket
Expected: ([ 0.37407258])most eligible retiree do not pay a premium for Medicare part A. once you have accumulate 40 Social Security credit that means you have pay Social Security employment tax for 40 or more quarter you do not have pay a Medicare Part a premium most eligible retiree pay a monthly premium of $104.90 for Medicare part b for 2,014 this premium be however more for high income individual / couple a premium chart be available on Medicare.gov a typical stand alone Medicare Part D prescription drug plan will cost around $30 per month each of these part of Medicare ( A , b and d have deductible and co-payments/co-insurance ; all detail be available on Medicare.gov retiree often purchase a Medicare supplement insurance policy an additional premium provide coverage Medicare part A and b deductible and coinsurance or enroll in a Medicare Advantage Plan ( Part C package and control cost of Medicare coverage the average annual out of pocket cost per Medicare beneficiary per the most recent data be $4,600 per year any individual cost of Medicare will ultimately vary based upon their unique attribute and circumstance but understand the variable and get some control over cost it isadvisableto meet with alicensed insurance agent advisor who specialize in the senior Medicare market
Worst: ([ 0.12420083])this assume you own a permanent form of cash value life insurance : participate whole life or current assumption universal life that use differ credit method participate whole life use spread loan and direct recognition loan universal life use 0 net cost loan , wash loan , spread loan and participate loan indexed universal life the cash value account and the surrender cash value account hold the answer to the amount you can borrow but keep in mind borrowing can reduce your death benefit coverage and may have tax ramification if the policy lapse , be surrender or mature
[>....................]do home insurance cover theft outside of home
Predicted: ([ 0.44795179])coverage on a vacant home will cover peril such as fire , wind , lightning , hail and other peril such as vandalism and theft it will also cover liability if someone be hurt on the property frozen pipe will only be cover if there be reasonable attempt prevent such freezing reasonable attempt must also be make secure the home and maintain the home
Expected: ([ 0.41228127])yes your contents be cover away from home anywhere in the world for 10% the value for theft subject to your deductible.If your contents coverage is$100,000 , then you will have $10,000 ofcoverage away from home read your policy though as there can be special limit on thing like jewelry or other item
Worst: ([ 0.10266209])the price of life insurance for a 55 year old will depend on your health , the amount of life insurance you want purchase and 1 the big factor be how long you want the policy stay in effect at age 55 the difference in price between a 10 and 20 year term policy be much greater than when apply at age 25 however at age 55 many people do not want take out 10 year term because there be a great risk of be unable qualify for life insurance at age 65 it be very helpful have a good agent who will find the good company your health plus review various face amount and length of coverage with you that way you can determine the most suitable policy for your situation at the most affordable premium
[>....................]can my boyfriend add me to his car insurance
Predicted: ([ 0.49573088])Techinically be able insure something , you have have an insurable interest in that something - typically this mean you own the something or you be provide the financing of the something the proper way insure a vehicle be for name insured the name the policy be take out under be the same as the owner of the car there be times where their be split ownership of a vehicle or a lot of time a minor may actually buy the car but still be on their parent policy there be certain way you can list name insured and additional insured and a lot of time these be specific to your state and your particular carrier contact your local agent discuss your specific situation
Expected: ([ 0.41266409])if you be live in the same household then he shall put you on the list of driver the insurance follow the car and that be link to a household the person buy the insurance be in the household and can loan the car whoever he wish the insurance cover the automobile if you be not living together there not will be anything gain by put you on the policy
Worst: ([ 0.11688775])Long Term care and Disability Insurance be 2 separate policy Long Term care insurance pay for skilled care when cover person can no longer care for themselves Disability Insurance pay the cover person cash if they can no longer work due to an illness or injury Long Term disability without the word care insert be Disability Insurance that be design for person who be unable work for an extend period of time generally a minimum of 3 month
[>....................]how choose a Medicare supplement
Predicted: ([ 0.41618779])you be the only 1 that can answer that question choose your Medicare supplement coverage base on your need and budget if you want $0 out of pocket for approve Medicare Part A and Part B expense buy Medigap plan F. if you be look for value and willing assume some risk , consider other plan
Expected: ([ 0.37778932])select a Medicare Supplement Plan or Medigap Plan can seem like a very difficult task however there be a few thing you can do make the process much easy on you first contact an independent agent that specialize in Medicare supplement plan and have them compare all the plan available to you you will be able save several day or week of your time and be able look at all the plan at one time second start think about what type of coverage you want when you need it most if you be get a health condition that need care will you want be able treat that condition with the good specialist you can find or settle for 1 that be in a network some people like start by doing research online and for that reason we have take it a step further you can go to our website SummitMedigap.com and compare Medicare supplement plan instantly in less than a minute you can also give us a call at 1-888-407-8664 we will be happy answer any question you have
Worst: ([ 0.11866966])yes it do in many case liability coverage from your personal auto policy extend over to the trailer if for any reason there be a mishap and for example the hitch break or the trailer come loose for some other reason and hit something or someone cause damage or injury the liability coverage will be there for you however if you want have coverage for the trailer itself then it will have be add to your personal auto policy just like your car , then there will be physical damage protection on the trailer and a separate deductible will apply
[>....................]can I get car insurance without pay a deposit
Predicted: ([ 0.43127921])no , not every state as of the last time I research this there be only 1 state that do not require auto insurance coverage do not put yourself or your family at financial risk after an accident by not have auto insurance coverage it retatively inexpensive compared to the benifit receive shall you involve in an accident
Expected: ([ 0.29608482])No. A valid payment along with a complete truthful application constitute the contract if your deposit be return or there be information on your application that be not correct then the insurance company may void your policy several insurance company allow you pay monthly but a valid payment be require before coverage be in force
Worst: ([ 0.11996089])yes epilepsy be a disorder of the brain and nervous system involve repeat random seizure that occur without warn if you have be diagnose with epilepsy and be try purchase life insurance the severity of the disease can have an effect on the rate you pay life insurance company will want know a number of factor make an accurate risk assessment including 1 what age be you diagnose with epilepsy 2 do you have grand mal petite focal seizure 3 when be your most recent seizure how many have you have in the last year 2 year 5 year etc. 4 have you ever be hospitalize for epilepsy 5 be you take prescription medication control symptom 6 be you a smoker or tobacco user 7 what be your height / weight 8 any other co-morbid condition such as diabetes , obesity , heart disease , etc if you have be diagnose with epilepsy you shall not apply with multiple company at the same time - this can work against you as it will act as a sort of red flag for the insurance company ( they will see you have apply for multiple carrier and what the outcome be during the MIB check ( Medical Information Bureau the more company that give you a table rating or decline coverage on a formal application the less likely you be get a good offer I highly recommend consult with an experienced life insurance broker who can shop your medical profile informally I hope the information be helpful - please feel free contact me for help and if you need any other question thanks very much
[>....................]what be the average cost of auto insurance per year
Predicted: ([ 0.41735938])the average cost of auto insurance per year be go vary from state state more specifically person to person almost all if not all insurance company look at an individual credit score among other factor determine their insurance score if you have a low insurance score your premium will be low visa versa it be very difficult determine the average without factor in credit , state , year make model of car , how much you drive and your experience level among a host of other attribute the state of Oklahoma for example be on average much high than the state of Missouri 1 the big reason be due to natural risk or geographic risk ie. more storm in Oklahoma vs. Missouri I be sure a simple google search will provide an average vs all state and credit score although I will be skeptical of that number generate due to all the variance that determine the price
Expected: ([ 0.41735938])the average cost of auto insurance per year be go vary from state state more specifically person to person almost all if not all insurance company look at an individual credit score among other factor determine their insurance score if you have a low insurance score your premium will be low visa versa it be very difficult determine the average without factor in credit , state , year make model of car , how much you drive and your experience level among a host of other attribute the state of Oklahoma for example be on average much high than the state of Missouri 1 the big reason be due to natural risk or geographic risk ie. more storm in Oklahoma vs. Missouri I be sure a simple google search will provide an average vs all state and credit score although I will be skeptical of that number generate due to all the variance that determine the price
Worst: ([ 0.11240026])life insurance do not usually cover any health care traditional life insurance just pay upon the death of the insured person there be some life insurance policy with rider or build in living benefit that will cover some health care for critical chronic illness those usually pay the cash directly the insured person when they meet the qualification for that benefit kick in that cash can be use for whatever purpose the insured person desire including elective surgery
[>....................]can you get Health Insurance as a real estate agent
Predicted: ([ 0.36395818])yes some company do allow you to by health insurance on just a child but they may be hard to find.It may also depend on your where you live Ilive in Florida and I know of at least one company that will write a stand alone for a child I will check with the big carrier in your state first you can get a free quote from any company and they will tell you right then
Expected: ([ 0.32154164])my sick sense of humor almost tempt me say no real estate agent be specifically exclude from get health insurance law but I will not do that yes you can get health insurance what you do for a living have no bearing on your eligibility for health insurance especially now that ObamaCare be in full effect regarding guarantee issuance of policy in my experience most real estate agent be self employed 1,099 contractor status people and not W2 employee of an agency so this probably mean you will need get individual health insurance either through your state government health insurance marketplace or outside of it so just like you will tell those For Sale By Owner folk you need seek out an experienced health insurance agent who can assist you in obtain coverage if you have without health insurance more than 60 day have not have what call a change of life status event marriage divorce childbirth adoption loss of other coverage then you in a time frame where you will ineligible enrollment in true major medical insurance until the next annual open enrollment period begin on november 15th, 2014 the early your coverage can go into effect will january 1st, 2015 I hate be the 1 deliver this news but that be how ObamaCare work your only coverage option carry you through until then will be take out a short term medical insurance plan there be a variety of short term medical plan option available however you need be aware short term medical plan do still use limited underwriting question , can decline a person for coverage and they do not cover pre-existing condition please feel free contact me if you need advice or assistance in this matter
Worst: ([ 0.13507915])the major advantage of term life insurance be initial cost with term life insurance you can get the most life insurance coverage today for your premium dollar since life insurance primary purpose be create cash at death that be important term insurance typical start low the renew for a high premium at the end of a term 10 or 20 year for example and that continue until the policy expiry date the renewal rate can be quite large in late year which be why term insurance be suited for short term need term policy typically include the ability convert to a level premium permanent policy before a state date if you have far question or feel I can be of assistance please do not hesitate contact me if you will like work with a local life insurance broker you can start with a Google search for example if you search for life insurance broker Halifax or life insurance agent Halifax my name along with several other will come up you can use the same method find a life insurance broker in your community
[>....................]what do liquidity mean in a Life Insurance policy
Predicted: ([ 0.40973046])permanent life insurance : 1) do not expire and 2) have a savings component along with a pure death benefit component it offer the opportunity use the cash value while still alive with tax favorable treatment the cash value can also be use keep the policy in force without pay far premium
Expected: ([ 0.38734221])liquidity in life insurance generally refer to the cash value in permanent life insurance while the primary reason have life insurance be the income tax free death benefit the living benefit of ownership derive from its cash value the owner can partially withdraw or borrow cash value while continue the policy or the owner can surrender the policy entirely and receive its cash surrender value any gain in the policy will be taxable as income to the owner
Worst: ([ 0.10635644])in order to determine what plan best you I will need to know more about you such as your age gender any tobacco usage marry single determine availability of a household discount on rate medical history if outside open enrollment period other factor to provide accurate figure suggest a proper course of action that best serve your need for the overall populace , the most comprehensive most popular Medigap plan be plan f as it cover all Medigap benefit at 100% plan g be the second most popular plan because it be identical plan f except it do not cover the Medicare Part B deductible ( $147 in 2,014 so how do you decide between the 2 it come down price since Medigap policy be standardized ( mean a plan f from company A be the exact same plan f from company b the only difference between the coverage be the price you pay for them with the only difference between plan f and g if the annualized premium total more than a difference of $147 then plan g offer you the good deal if the total be less than $147 , then plan f be the good deal I hope the information be helpful - please feel free contact me if you have any question including quote request plan comparison thanks very much
[>....................]what do Medigap plan f cover
Predicted: ([ 0.36109751])Medigap plan f be the most popular Medigap plan you can buy because it be offer the most comprehensive coverage it cover all 9 Medigap benefit at 100% from day 1 the 9 benefit 1) Medicare Part A coinsurance plus coverage 365 additional day after Medicare benefit use up 2) Medicare Part b coinsurance copayment 3) First 3 pint of blood 4) Part A hospice care coinsurance copayment 5) Part A hospitalization deductible 6) Part b medical deductible 7) Part b excess charge 8) Skilled nurse facility coinsurance 9) Foreign travel emergency up to plan limit Plan f also offer a high deductible version of the plan know as Hi-f High-f it the only this feature under a high f plan the insured must pay for Medicare cover cost up to the year deductible amount $2,140 in 2,014 before the plan pay anything the benefit of the high f plan be it offer the insured a much low monthly premium than a regular plan F. I hope the information be helpful - please feel free contact me for assistance with your Medigap coverage need including quote and plan comparison and if you have any other question thanks very much
Expected: ([ 0.36109751])Medigap plan f be the most popular Medigap plan you can buy because it be offer the most comprehensive coverage it cover all 9 Medigap benefit at 100% from day 1 the 9 benefit 1) Medicare Part A coinsurance plus coverage 365 additional day after Medicare benefit use up 2) Medicare Part b coinsurance copayment 3) First 3 pint of blood 4) Part A hospice care coinsurance copayment 5) Part A hospitalization deductible 6) Part b medical deductible 7) Part b excess charge 8) Skilled nurse facility coinsurance 9) Foreign travel emergency up to plan limit Plan f also offer a high deductible version of the plan know as Hi-f High-f it the only this feature under a high f plan the insured must pay for Medicare cover cost up to the year deductible amount $2,140 in 2,014 before the plan pay anything the benefit of the high f plan be it offer the insured a much low monthly premium than a regular plan F. I hope the information be helpful - please feel free contact me for assistance with your Medigap coverage need including quote and plan comparison and if you have any other question thanks very much
Worst: ([ 0.11949909])no. term life insurance normally provide temporary protection without a cash surrender value term life self terminate at the end of a period of time return of premium term be a form of life insurance that can provide a cash value ( return of premium after the term period end for a high premium than normal term life insurance only a few company offer this product and of the few remain insurer that do the premium be relatively high
[>....................]how soon do Life Insurance pay
Predicted: ([ 0.37819678])it depend on the type of life insurance you have some policy ( life funeral preneed life insurance will pay within 24 hour of your death and do not need a certify death certificate these have be popular since around the mid 1980's and be a good choice if people be depending on life insurance pay for a funeral most other life insurance will be within 3 day of recieve a certify death certificate
Expected: ([ 0.35757473])a good company on a case with no question can easily pay within 1 week a lesser company may take several week and raise spurious question to delay they may then even try get the beneficiary put the money into 1 their fund rather than just deliver their check be careful who you get your policy from thank you Gary Lane
Worst: ([ 0.1159068])Medigap plan commonly refer to as Medicare supplement plan be design help senior who want high quality healthcare and be on Medicare , cover the gap between what hospital and doctor charge for their service and what Medicare will pay health insurance be constantly change which can make find the right plan for you very strenuous supplement your original Medicare coverage ( Medicare part A & b with a Medicare supplement plan will help you create a very predictable expense structure for your healthcare and allow you see any doctor you want that accept Medicare any doctor that accept Medicare will also accept your Medicare supplement plan there be 10 different Medicare supplement plan and they be all standardise mean a plan f from company A and a plan f from company b feature the exact same benefit the 10 different plan available be plan A , b , c , d , f , g , k , l , m and n a high deductible plan f be also available that feature a $2,140 deductible in 2,014 - the trade-off be a substantially reduce premium each plan offer certain benefit some more comprehensive than other each plan must cover a core set of benefit also know as the basic benefit the basic benefit be 1) Medicare part A coinsurance plus coverage for 365 additional day after Medicare benefit be use up Medicare part b coinsurance or copayment 3) first 3 pint of blood 4) part a hospice care coinsurance or copayment there be a total of 9 benefit that can be secure the other 5 benefit available under a Medigap plan 1) skilled nurse facility care coinsurance 2) Medicare part a deductible 3) Medicare part b deductible 4) Medicare part b excess charge 5) foreign travel emergency up to plan limit each plan feature a different structure each plan cover a different combination of these 9 benefit some of the plan feature coinsurance copayment for certain benefit if cost be not a major factor for you plan f will be the recommend choice because it cover all 9 benefit at 100% - it be the most popular plan by far if you be look keep your cost down but still have very comprehensive coverage , you may want look at plan c , g and n as well consult with an experienced broker review the plan in detail see which 1 will best serve your need we have an in-depth knowledge of Medigap plan , provide quote from multiple carrier and help you determine the 1 that be go be most suitable to your need and budget please feel free contact me for help or if you have any other question thanks very much
[>....................]why shall I get Medicare part b
Predicted: ([ 0.42667758])why do doctor hate Medicare mainly because medicare payment rate to doctor be below what it cost them run their office and procedure so see too many Medicare patient can hurt a doctor practice that be why so many limit how many Medicare patient they will see without supplement plan accompany the Medicare coverage
Expected: ([ 0.37341601])Medicare part b be the part that cover doctor and lab this be something you will use a lot if you be on a corporate Health Insurance plan then it may make sense wait before choose part B. if you be not on a corporate Healht Plan then you will need part b in ordder qualify for a Medicare Advantage Plan or a Medicare supplement as always you shall review your option with a qualified professional
Worst: ([ 0.11803634])the difference between renter insurance , condo owner insurance & even homeowner lie in the insurable interest a renter policy be go cover personal property ( contents but not any building coverage ... since the renter do not own the building they do not typically have an insurable interest however in some case there have be lease that require the tenant pay for the insurance and tax - these be call triple net lease the renter in these case may have purchase coverage for the building rent ( usually a home condo almost always have a condo association the condo association covenant determine how the condo shall be cover some association only cover the exterior wall leave the condo owner cover everything attach to the building including what be between the drywall / sheetrock & exterior some association cover everything up to the drywall / sheetrock while other even include anything attach to the drywall / sheetrock include cabinet , etc. on occasion the condo association can assess a property deductible to each individual condo for $10,000 ; in which case you will want make sure that amount be add to the your policy in each case whether renter insurance or condo insurance make sure you obtain the lease or covenant and make sure you do not have any hole in your coverage