dude, you own! this looks identical to a photograph

HOLY CRAP! Comparing this to the original picture, they’re identical!

Depends on the electrical. If it's old knob & tube wiring, you'll have a really hard time finding coverage. Not impossible, just hard. If it's aluminum, maybe no one will want it.

But if you go to a local agent (or three) and say, hey, I want this house, will your insurance company write it if I have it wired up to code within 30 days of the purchase date, many of them WILL be willing to do that.

But if you don't want to rewire/fix the problem, AND it's serious, you might NOT be able to find insurance on the house.

Best off, making the wiring job be part of the deal – ie, seller has to get the electrical up to code, prior to the closing.

You get what you pay for. If you are looking just at price, technically California Fair Plan is a good choice. It's bare bones property coverage for dirt cheap. But…it's designed for people who cannot get coverage anywhere else. It's the strip-down, fire-only type coverage. It does not offer liability, and it is generally NOT replacement cost, so you could be shooting yourself in the foot trying to save a buck by underinsuring your house. Just ask those who's homes were distroyed this year. I am sure a fair number of them are regretting looking at JUST the bottom line.

If you are looking for REAL coverage, ie: take care of your assets, look around and compare notes. How much are you trying to cover? Do you have discounts available (like non-smoker, over 65, multiple line, fire protection, or even job-related discounts like Farmers offers.)

Look in the phone book for agents and brokers in your neighborhood. Get several quotes for the EXACT same, or similar coverage. Then evaluate your options.

Skimping now could lead to REAL regret in the event of a catastrophic need. We had several people call in a panic during the wildfires and there was NOTHING I could do to help them then.

This site may help you to compare many home insurance companies at once
http://best-home-insurance-comparator-usa.blogspot.com/

Hope this help,

homeinsurance.awardspace.us – you can try this company. I personally have their home insurance cause it is cheapest in our area.

i use photoshop

Here are some things to consider and ask when comparing policies. What is the liability coverage limits? Do I need excess liability? What are the medical payment limits? Do you need more of either for your purposes (like do you entertain a lot, have hired help on your property, etc.) Does it include worker's comp (in CA it is mandatory) and it is mandated in your state? What is the coverage for out buildings (sheds), fences, yard ornamentation, etc. Are there mold and mildew restrictions? (Many insurers are excluding both after Katrina). Am I in a FEMA flood plane and do I require flood insurance? Do I need tornado insurance? Is wind damage covered? How are payments structured (i.e. do they have nuisance fees if the policy is not paid in full up front) and if so, is it recurring, a percentage or a specified amount per payment? Do I get a discount for: combining home and auto, fire and burglar alarms, being located close to a fire hydrant or fire station, fire proof construction (i.e. concrete roof shingles, metal framing), clearing a 100 foot defensible boundary, being a certain age, having no claims, having fire extinguishers in the kitchen and garage, etc. If going through a broker, ask how they are compensated, by commission you pay or commission paid by the company. If you are college educated, check with your alumni to see if they have an agreement with any certain insurer for discounts (same applies if you belong to professional membership organizations or a union). What is the personal possession coverage and do you require riders for special collections or jewelry or power tools in a workshop?

If you don't feel like you have a need for them, DON'T BUY THEM!! Don't let a salesperson "create a need" for you!!!

MOST people buy auto insurance because it's required by law. Most people buy HOME insurance because the lender requires it. Most people buy HEALTH insurance because uninsured medical costs can lead to bankruptcy and loss of all assets faster than anything else. And most people DON'T buy travel insurance. It's not a good deal.

Try GEICO, they're idiots.