Q: Do I need to use an insurance broker to buy business insurance?

A: Business insurance is much more complicated than home or Auto insurance. Although there may be websites that offer coverages, what coverages do you need and what coverages are just wasted money? Not many people know the answers to these questions when shopping for business insurance.I would recommend using an independent insurance agent as they can market to multiple insurance companies and make sure to find you the best deal out there. And as stated above, insurance agents are NOT middle men, we are an INDEPENDENT individual that is here to help you find the right coverages for your business. Would you rather have an employee of the insurance company telling you about the "specials" and "discounts" their products have, or would you rather have an independent agent tell you which company is the best fit for you?Companies that write direct did not ELIMINATE the "middle man", they just hired him and now has to pay him commission and pay for his benefits.

A: Hello, business insurance is much more complicated than home or Auto insurance. I found interesting information about your business-insurance answer here.

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Q: How much does travel insurance cost for 3 months?

A: If you are looking for trip cancellation insurance, the price is usually 7-10 % of the trip cost. The price does vary depending on the number of travelers and the ages of the travellers. Sometimes even the destination plays a part in the final cost.If you just want travel medical and evacuation coverage, the price of the policy will depend on your age and length of the trip. If you are 30 travelling for 3 months, you can find travel medical policies starting at $94. The price will increase if you are older and it should decrease if you are younger.

A: It varies by where you live, your age, and what type of coverage you're interested in; travel medical or comprehensive travel policies.It's best to review some of the web sites that allow you to quote different plans for the same trip.

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Q: For purposes of life insurance testing, how long is nicotine detectable in the system?

A: The actual enzyme that is detected (by a blood test) that reveals the prescence of nicotine in the system is called cotinine and is detectable for between 7-10 days after the tobacco product was smoked.The person makes a good point above in that the life insurance company will deny the claim if he is a smoker anyway so he would be paying non-smoker rates for nothing.Additionally, tell your friend to have an ounce of personal integrity and refrain from cheating the company or more importantly, the policy holders like you and I whose premium rates are based on not having people defraud the insurer we deal with.

A: It is possible for smokers to "cheat" the system, because nicotine clears out of your system within 72 hours after smoking your last cigarette. Cotinine is the primary metabolite of nicotine, and the most common identifier of nicotine levels. If the urine test is given 72 hours after your last cigarette, the nicotine level may be low enough to escape detection. This is theoretically possible for even the heaviest of smokers.

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Q: Can health insurance premiums be taken out of your gross income?

A: My husbands employer has taken his insurance premiuns out of his gross income which has made his gross income lower.

A: There is nothing improper about an employer deducting health insurance premiums out of ones gross income. However, when that happens you've already seen a "tax benefit" through the lower income on your Form 1040. DO NOT include in your medical and dental expenses on Schedule A any insurance premiums paid by an employer-sponsored health plan unless the premiums are included in box 1 of his W-2. Also, DO NOT include on Schedule A any other medical/dental expenses paid by the plan unless the amt paid is included in box 1 of the W-2. You can't have it deducted from gross AND taken as an itemized ded or the IRS will reject the deduction.

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Q: Can I have my insurance and taxes taken out from my fha mortgage payment?

A: Very bad Idea, keep your taxes and insurance in your mortgage payment. This is how people get into Tax foreclosure and a Tax liens intrest is some time as high as 30% depending on how many years you get behind. The county can foreclose even if your mtg payment are current. Why would you want to pay your insurance and taxes yourself?

A: Once your account is set up with an escrow account, you can’t stop this “service.” The only way to change that is to refinance and even then you’d have to have an 80% or lower LTV (loan to value) ratio. You are paying a monthly mortgage insurance premium (insurance that protects the lender in the event you default) since it’s an FHA insured loan, but you can’t stop paying that either until you reach the 80% LTV threshold (and then only when you request it in writing). Hope that helps. Best of luck.

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Q: How many months of taxes and home owners insurance do I have to prepay on an impound account on a home loan?

A: What you’re describing is very typical. 14 months of homeowners insurance is extremely common. That way, a year from now when the yearly insurance bill comes due, there will be enough in your impound account (plus a little bit more in case there’s an increase).The taxes are a bit different but only because they don’t come due exactly one year from when you buy the property. The due date varies from one county to another (they’re due Nov 15 in my area) but the concept is the same. Whatever the date the taxes come due they want to have 14 months worth of taxes in your impound account.

A: Different loan companies have different requirements. And, this could also differ based on what time of year you buy the home. For example, if it’s shortly after when the property taxes have been paid, they may require less up front, since you will be paying that into the impound account for a longer time. When I bought a rental condo, one loan company wanted 6 months of insurance paid up front. But, I went with a different company, who wanted 14 months of insurance paid up front.

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Q: How can a car insurance company take away your right to sue?

A: With the limited tort and full tort thing, I can understand with the limited tort they don’t want you to get paid twice (once by the insurance company and once in court). But then what is full tort? Is it really worth me spending the extra money on? I really can’t afford it.

A: The answer is you don’t get your day in court. You arbitrate your issue…in fact you don’t even do that…your insurance company “represents your best interests”. Just be careful with insurance in general it’s one of the biggest rackets in history though a necessary one given our litigious (law suit happy) society.

Q: Does home insurance cover when you rent out the house and the tenant causes a house fire?

A: Homeowners policies vary; you’ll want to read the fine print on yours to see if it does or doesn’t cover such circumstances.

A: I believe you have to list the property as an investment w/ the insurance co. which will increase your premium due to the higher risk, but the 1st response is a good 1….Read the fine print…or do what I do and tell them to find what you want to see in the paperwork and let them find it for you.I like to delegate tedious tasks.

A: You need to get a special policy from the insurance company, and you should also tell your bank if you still have a mortgage, that you are renting the place. Your homeonwer’s will not cover the damage.