Now. Here in TEXAS, we have non-standard forms. MOST homeowners policies WILL NOT cover damage that YOUR car does to YOUR house. So if you’re in TX, or on a non-standard form, you’re not going to be covered anywhere.

But, the short answer, don’t file on the car, it’s not going to do you any good anyway. File on the house, and hope that you’ve got a standard HO3 form.

“Umbrella” is a liability coverage, it doesn’t apply.

I know, it sounds insane. But I ask because it’s an important point. Your sister was driving your father’s car and hit your father’s house. Your father can’t be liable for causing damage to his OWN property — which is, I’m afraid, what this may be considered if your sister isn’t old enough to be considered an adult. If she’s an adult, it may be better for her to claim under HER auto policy, even though she was driving your father’s car.

Ultimately, there are a lot of sticky issues that could come into play on this one and the answers will actually vary (slightly) by state. Since that’s the case, your best bet is to contact your insurance agent and ask them for assistance in this matter. Ask them for their specific suggestions and to explain why they’re making the suggestions — in writing.

Oh — and if they won’t respond in writing, it’s time to get a new agent when this is all said and done, too.

Suggest you (or he) call your agent ASAP.

Your agent can determine what your coverage is , and work out what the best action to take is .

He can always call them; it doesn’t mean he needs to file a claim. He should run the issue by them.

In either case, there is the potential for insurance on the home owners policy or car insurance to go up.

Depends if they have a onetime grace or not. Some do, like Amica Insurance.

You can never be penalized for asking questions. I would call them to see. They may have issue if they receive a claim and were never notified, probably unlikely, but again, call.

if you take home 1000 a month, then your mortgage payment would be 333 dollars.
you do not “tell” others what YOU can afford. they will figure out WHAT they will lend you based on your income, time on job, credit payment history, etc.

If you insist on living in a area where you KNOW destructive hurricanes occur regularly – and you REFUSE to build decent housing strong enough to withstand them, then YOU should pay to have your own home rebuilt…….not WE, the taxpayers.

Because when government gets involved, someone is going to get screwed, and that someone is usually the citizen. Government involvement in private transactions like this is not in the best interests of liberty or freedom, IMO.

Foremost will write a standard market policy, but their claims handling is weak and policy is full of holes.

If you live in Ohio, email me and I’ll give you a referral.

As already stated, credit is important to insurance companies. It is a major rating tool.

You are just going to have to shop around to find something. Several people have posted company suggestions, but who you end up with depends a lot on where you live. You need to emphasis the addition of alarm system and security doors.

I’d start with the carrier that’s nonrenewing you – ask the agent if they’d consider keeping you on, if you took a $5,000 or $10,000 theft deductible, or, a flat out theft exclusion on your policy. That’s going to be most economical.

Then make the same offer to whichever agent is shopping you out.

Have you tried a Travelers agent? If you’re willing to take on a theft deductible higher than the most expensive theft claim you’ve had, they’re very likely to take you on.

There’s always Foremost Insurance – likely, they’d not offer you any theft coverage at all. They’re a high risk company (owned by Zurich, though, who also owns Farmers, so they’re SOLID) and great for “hard to place” accounts. If you can’t find a local agent who can get you Foremost, you can find an agent through their website, at http://www.foremost.com.

Oh, I’m assuming you’re not in Florida.

Now, you have very few options right now. Moving would do nothing by the way because the loss reports are run on the person, not the property, so these losses will follow you for 3-5 years. You need to continue shopping. Contact an independent agent who has numerous companies and see who will take you on. Your other option is that you can get insurance through the mortgage company, but it is very expensive and normally covers fire only with no personal property coverage. The other option (in PA at least) is the state insurance program. This is also very pricey, but may offer broader coverage than the mortgage policy.

Unfortunately, you are very high risk right now – get whatever you can and ride it out until it has been 3-5 years after the claims (depends on your state).

Good Luck.