Satelec 2003

I currently work at Home Depot full-time and was thinking about getting insurance coverage for me, my spouse and my two year old with them. However, I found a pretty good plan from Blue Cross Blue Shield for under $ 300 dollars a month for all of us to be covered.

Anyone work for Home Depot that has coverage? I am wondering how much they are? I know it will vary from person to person and their health conditions for coverage, but trying to get a rough estimate how much they charge per person, or family? I am not means to view HD plans until it is time for enrollment which isn’t until July. I want to see if it is worth waiting for HD coverage or go with Blue Cross.

Thanks

When have Americans ever been so opposite an option? There is nothing more American than options. It’s funny how the very same Republicans who oppose this, just voted to expand National Flood Insurance. I did say expand, which means we do have a government run insurance for our houses. Do Republican believe our property is worth protecting but not our own health? So are you hypocrites or did you not know about National Flood Insurance? It’s also funny that Texas filed more claims and received the most money from this “Socialized Insurance”. Please explain!

I have had rental insurance and it is time to renew. However, since last year I have moved in with my fiance, who owns our home and has homeowners insurance. We will be married this summer. Do I need to continue my renter’s insurance or will his homeowners coverage be enough for my possessions, too?

We live in WA state and I want to know what happens with foreclosure here? To be more specific here is my situation:

Septmber 2005 We did an 80/20 and purchased our home new.
The morgage was sold off several times as lenders often do…
February 2008 We refinanced our 1st into and FHA loan and subordinated the 2nd.
AS of Now we are thirty days past due on our second.
On our 1st it was sold off as soon as we signed and we are with Wells Fargo and it is an FHA loan…we were 3 payments behind (shy of 90 days) and so we are now on a repayment plan where you make 3 payments and then have a baloon payment due, but you end up doing a modification after the 3rd payment to basically start your loan over. We made the first two payments of the payment plan, but have not made the 3rd and are about to mangle the payment plan…they told us as long as our income was more than our outcome we could requalify for a new repayment plan however talking with my husband we are considering some other options…

My husband was laid off work, and now they have him back, but it will be about a month and a half before they can put him back on salary and back into the income we are used to and back on track with our morgage, but after looking around and checking the facts we think it might be better to leave our house and rent…we know that we owe about 30K more than our home is worth with the current market…also we found several houses similar to our own but to rent we are looking at paying $ 1,200/month instead of the $ 1,800/month we are paying now and also the rental homes are in a better area and are not townhomes, but single family residents with yard and so on and also a landlord to take care of severe maintance…we are VERY clean people and have no pets and take care of things…we are not gross people. I know we will have to have a deposit and so forth and we are hoping to be means to find someone to rent to us with our credit now less than perfect due to the time my husband was laid off…but what will happen to our current home?

*Can the lender take us to court to get the difference between what we owe and what they are means to sell the house for after they foreclose on us?
*When we leave can we take the refridgerator and washer and dryer and other things we brought into the house?

(I know we will have the foreclosure on our credit for 7-10 years–I will be thirty when it comes off…we had perfect credit before this so kind of a bummer…good news is we do not need to buy another vehicle or shift our insurance or look for a new job so we will have to let our credit recover back to how it was before… but with the fact that we can rent a house better than ours for about $ 600 less per month and not have as much maintaince to worry about it just makes more sense…especially considering that my house is worth far less than we owe now).

Please let me know if you have gone through this or you work in this industry…I know that when I searched google I found that it said both…some places said we would have to pay the difference after they sold and some said we would not…

Thanks for your time!

i live on a ranch in texas. my beloved came over to my house while i was at work and parked his car in the field we keep the horses. when he returned to his car the paint was scraped off in random spots by our horses. my dad says our home owners insurance should cover it but hes wondering whos fault it is. his or ours?
i have no clue if he took the keys or not but the only people around were him and his friend who he brought out. the land that he parked the car in is about 35 acres, we have 4 horses and they roam freely. i know he didn’t think he needed to worry about the horses which is why i feel like its our fault but hes been out to our place a bunch and knows that the horses are curious and hang out in that spot when its feeding time which is why i kinda think its his fault for not parking on the other side of the gate. so if it actually is his fault how should i mangle the news? i already told him the homeowners insurance would cover it.
alright well to come onto our property u drive 1/2 a mile up the driveway, then you enter through a gate (this is where the horses are and its about 35 acres its also all fenced in) then you drive to another gate which lets you into the area where our house is and everyone parks including him every other time until today in which case he parked inside the horse area