There is no central registry of people's homeowner's insurance. That said, there are a couple of ways to try to find the information. However, whether or not they will work may depend in part your motivation for knowing:
1. If, for example, you were hurt at someone's home due to their carelessness, there may be coverage available under their homeowner's policy. To determine the identity of the insurer, you might simply ask.
2. Alternatively, you can be more formal and write a letter reporting the incident and asking that your report or notice be turned over to their homeowner's insurer. Before long, if there is insurance, an adjuster should contact you. An adjuster is a representative of the insurance company whose job it is to assess a claim made against the policy and the insured under the policy. Thos would apply whether the claim was for a physical injury resulting from the occurrence, or property damage.
3. If you know who or what holds the mortgage on the property, you may be able to inquire of that party. Most mortgage companies, or people who have loaned money secured by the property, will require that there exist homeowners insurance on the property. Usually, the lender is concerned that the property is insured so that, in the event of damage, it can be restored to its prior condition. In that way, the value of the property can be preserved if damaged, because the insurer will pay for repairs. Since the lender loaned money based upon the value of the property, it wants to make sure that the property gets repaired and will therefore insist on homeowners insurance.
The identity of the lender (whether it is a mortgage company or an individual) will be shown on the mortgage document. This is a formalized way of asserting a lien on the property to secure the loan. It is recorded in the public records of the county in which the property is located, much like a deed is recorded. Therefore, with the address of the property and the name of the owner, you can find the deed and the mortgage. Then, if you have no other way of determining the homeowner's insurer, you can contact the mortgage holder. This is not a guaranty that he/she/it will disclose the information, but it is a path that you can follow.
form_title=Homeowners Insurance form_header=Protect one of your most important assets with homeowners insurance. Get the homeowners coverage options to suit your life. Do you already own homeowners insurance?= () Yes () No Does your current homeowners insurance cover flood damage?= () Yes () No () Don't have homeowners insurance Are individual items in your house, such as your TV, covered by homeowners insurance?= () Yes () No () Not Applicable Are you looking to get homeowners insurance or update your current insurance?= () Get Insurance () Update Insurance
if you paid cash for the house do you need homeowners insurance
The insurance company reserves that right.
No, Homeowners insurance is for the house. it does not cover cars or car accident claims.
You just have to ask them if they have insurance on the house. There is no other way to find out as all insurance information is protected under both state and federal privacy laws. Homeowners insurance and policy information is "not" a matter of public record.
No, Hopefully the stranger had a life insurance policy. Homeowners insurance does not provide life insurance or accidental death benefits.
In order to find out how much homeowners insurance is, one would need to contact an insurance provider. There is no obligation to buy the insurance but an insurance quote can be provided.
I have the same question! A car did hit my house and I started to go through my homeowners insurance , but however I am thinking after all the problems that I am having with my homeowners that maybe it would have been best to go through the car company insurance.
No, Homeowners Insurance Is Hazard insurance for your house, it generally does not provide coverage for pest control services. Pest control is a regular and expected homeowners maintenance issue.
No.
Yes.
You will have to ask them for it.