August 1st, 2010 
Bowen Family 
You’ve probably used them many times in the past to get auto, home, and life insurance quotes. Quote generator websites have been around in many different forms since the start of the Internet to help you get lower prices on many different kinds of insurance.
While there are many variations to the way these sites work, here is the basic process they follow for homeowners insurance. You enter information about your home including its location, size, age, roof type, construction materials, and other features along with your contact information. That information is sent by these websites to insurance companies who review your information and decide whether they would like to quote a price to insure your home.
All of the interested companies provide their quote information either directly to the website you originally visited or they might contact you either directly or through one of their agents. Depending on the quote generator website you used, you may receive an email containing a detailed quote, phone calls from insurance agents, or perhaps both.
In states other than Florida where there are hundreds of companies competing for your home insurance business, these quote generator websites can work well. They do the legwork for you and you end up with a lot of cost effective options to choose from.
Getting quotes for Florida home insurance presents a totally different situation when it comes to using these websites.
To begin with, unlike in other states, Florida has a lot fewer companies to choose from since only about 40 home insurance companies are writing new business. In addition, you should know that these Florida home insurance companies pay the quote generator websites for each lead that is provided to them. In reality what is happening is that the Florida insurance companies are paying the quote generator websites for the higher search engine rankings their sites have in order to reach more customers.
If you decide to use a Florida home insurance quote generator website, you will have to consider one or more of the following issues when using them.
First, some Florida homeowners insurance companies won’t partner with the quote generator websites at all. They sell Florida home insurance direct or through an agent network and don’t want to pay the additional fee to a quote website for the cost of the lead.
In addition, there are a large number of quote generator websites out there for each company to use to buy customer leads from. They will be limited to selecting only a handful of the quote generator websites that they feel will bring the most traffic and customer leads to them. More importantly, this means that none of these companies can afford to be featured on all of the quote generator websites. If you pick the wrong quote generator website, you might miss out on 10 to 15 companies in your Florida County that want to cover your home.
In each of the two situations described above, you’ll run a high risk of missing out on multiple homeowners insurance companies in Florida who want to cover your home or you’ll find that you are receiving the exact same quotes from the same few companies over and over again. No matter what, Florida home insurance will cost you more.
Missing out on even one company that is interested in covering you home is not a risk that you should take during the Florida home insurance crisis. Each new Florida home insurance quote that you obtain could save you thousands depending on where you live.
Finally, if you are planning on using a quote generator website to get Florida home insurance quotes, you have to consider the privacy of your personal information. While most of these websites protect your personal information, using some of them will result in you receiving a high volume of unwanted emails and phone calls from Florida insurance agents with a quote from the exact same company.
Given the situation with Florida home insurance, you have a much higher chance of finding lower cost insurance if you contact multiple independent agents that represent a large number of companies to cover your home instead of using the quote generator websites. Working with at least two large independent agents who can offer you the largest number of Florida home insurance agents is essential. Since each agent may represent a different group of companies, contacting more than one agent is your best chance to get a Florida home insurance quote from all the companies writing new business in your local market.
The more Florida home insurance quotes you get, the more you will save during the Florida home insurance crisis.
Watch the video related to home insurance quotes
***PLEASE LEAVE COMMENTS*** This is a commercial edited music video I made using commercial’s from Liberty Mutual with Krystal Meyer’s song “Together”. The commercials are the property of Liberty Mutual and the song is the property of Krystal Meyers and her record label, “Essential Records”. This video was made for creative, fun purposes only. No copyright infringement intended. I hope you enjoy it!
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The discount for having an alarm is 10% with most insurance companies.
I highly recommend that you find a financial planner. Interview them and make sure that you feel comfortable with them. They should answer your questions – "Free of Charge". They will be your best start.
You need to take care of the fixed expenses (those that you KNOW you have to pay) and have them help you set up a plan or budget for the rest.
Hopefully, they will set you up with a Term Life plan or at the very least a small "Final Expense" plan that at least will take care of what we all know will happen – when it happens.
Good Luck!
She needs to go a methadone clinic where they will monitor her better and taper her off. I have heard many stories similar to this concerning suboxone. I think it should be banned methadone is much more effective. Just be aware that methadone is also a ssri so adding antidepressants could be deadly that and anything else that would raise her serotonin (St John Wart, dxm/coughsyrup) I wouldnt recommend any type of sleep medication at all. Also you can make lemon poppy seed tea to curb the withdrawls (maybe thats why she sleeps so much, shes taking to much at once and then withdrawing). Just mix poppy seeds with lemon juice…filter with a coffee filter and drink. This has been know to work even though many would disagree. In my area they have programs that will pay/reduce for rehab or treatment. Its called CARE I dont know maybe thats available in your area check it out.
Hopefully it's a nice house that has been well cared for and has appreciated in value. Hopefully you have paid it off or have very little left to pay on it.
Then you sell the house and rent an apartment in a senior citizen complex and use the money from the sell of the house to live on. Invest the money and live off the interest/dividends. Get a place you can afford that is small and will not have high utility bills, no yard maintenance, etc.
Not the optimum situation, but it may be the only one.
OK, market value has NOTHING to do with INSURED VALUE, 95% of the time. You need to insure your house for the cost to rebuild it.
I have no idea what the area of your house is, but on average, it's $150 to $200 per square foot, cost to rebuild. So if you think $96,000 is too much, that means your house is, what, under 500 square feet. One bedroom, kitchen, living room bathroom, all really small. A single story matchbox.
What you need to do, is call the agent. Have them come out, and calculate replacement cost.
A little industry secret – it might actually SAVE you money, if you INCREASE the dwelling value. More insurance claims happen on lower value houses . . . so most insurance companies have a serious "rate threshhold" – example, if you insure your house for $99,000, it's $400 a year, but if you insure for $110,000, it's $300 a year. That might be the case.
Also, MOST standard insurance companies have a "minimim" level of coverage – they flat out don't want to write insurance on a house valued lower than $90,000, or in some cases, $110,000, because they have more claims.
The BEST way to save on your insurance, is talk to your agent, and raise your deductibles to $1,000. Make sure you're getting all the discounts your entitled to. Maintain the house, and update all the major systems BEFORE any of them are 20 years old (plumbing, electric, heating, roof).
AARP recommended products are top flight companies. Hartford is one of the most respected of all insurance companies.
You need to contact a competant bankruptcy attorney in your area and discuss your situation with him/her.
You've got some problems. The short answer is, you need to sit down with a local agent, to discuss this.
See, a trailer, doesn't QUALIFY as a home, on a standard HO3 policy. A MOBILE HOME policy, is way different, than a homeowners policy – and if you try to stick an HO3 form on a mobile home with a few additions, you're going to have a serious problem, come coverage time.
Additionally, building materials, or a building under construction, aren't covered by either an HO3 OR a mobile home policy. That's problem #2.
Problem #3, is construction. Are you taking out building permits, and constructing "addition" on a legal foundation, poured concrete slab with rebar, or inspected basement? Or just slapping up plywood in a square?? Is anyone there LICENSED to pull the permits? You'll need a contractors license, or an owner general liabiltiy policy, and in order to get THAT, you'll have to have at least the shell completed within a reasonable period of time – usually a year to a year and a half.
Your best bet is probably to join up with a local chapter of build by owners or some such group, that is familiar with your local building ordinances . . . but your problem isn't going to be the INSURANCE cost, it's going to be finding ANYONE willing to give you coverage, at ANY price.
Because using a single wide, is NOT a "foundation" for a traditional stick built home.
**If it were me, I'd live in the trailer, and build a house seperately. The cheapest way to build, isn't going to get you the cheapest cost – brick or stone houses (not veneer, but brick all the way through) will be cheapest to insure, but most expensive to build. Talk to your architect, about how to build in such a way that you can move in, and keep adding in a reasonable way as you can afford to.**