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Do mentally ill home owners pay higher insurance?

Jul 21, 2007 by mauryb | Posted in Insurance

Recently I deeded over an inherited home to my brother and myself as joint-tenants. My brother is paranoid-schizophrenic.

Will we pay higher higher home insurance because one owner is mentally-ill? Can the insurance company even refuse or cancel our insurance?

We and the home are in Michigan.

Your insurance will not be higher. Mental health has no bearing on your insuarance premium and mental health is not considered a risk. Your homeowner's insurance can't be denied, canceled or nonrenewed due to mental health or physical health issues either.

sfru | Jul 21, 2007

Does homeowners insurance in Michigan cover lost or stolen jewelry?

Nov 10, 2008 by Amanda J | Posted in Insurance

My boyfriend had his ex-fiance's engagement ring and wedding band's stolen. My mom told me that she thought home-owner's insurance might cover it. Has anyone else heard about this, or know if it's true?

on a standard HO3 homeowners policy it would be covered for THEFT but only up to a limit. (most states $1000-1500) If it was worth more or if it was just lost it would have to be scheduled onto the policy to have coverage. so if it was stolen, he would have to call police and file a report and have proof of ownership. anytime you have valuable jewelry its best to schedule onto your home policy so you have coverage no matter what and up to full value.

Queen B | Nov 10, 2008

does anyone know of any Free healthcare clinics for people with no insurance in michigan?

Sep 29, 2007 by mmcnum1fan | Posted in Other - General Health Care

I don't have any insurance. Im a stay at home stepmom and soon to be a mom of my own. I really need a check up or complete examination. Its been forever since Ive been seen by one :( If anyone knows of free clinics around michigan could you please let me know? thanks!

It's across the border in Canada.

kittywhite92630 | Sep 29, 2007

Saving on insurance comes from asking questions - Cadillac News

09.01.09

Saving on insurance comes from asking questions

By Jeff Broddle

CADILLAC - Insurance is one of those expenses we take for granted, at least until it’s really needed. And in tough economic times, knowing there is some security we can fall back on is important.

It can be worth the effort to take a look at your home and auto insurance to see if there are ways you can save money.

One of the easiest things policyholders can do is ask if they are receiving all of the discounts they qualify for.

"Most of the carriers will give a multi policy discount," said Pete Suminski, insurance agent with Blick Dillon Insurance in Cadillac.

If your home and auto policies are with two different insurers, it may be worthwhile to explore bringing them both under the same company to receive the multi policy discount.

Source: Cadillac News,  United States

Michigan home insurance - News


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