Someone broke into my house yesterday. Do I have to pay a deductible if I fle a claim under my insurance? They stold our tv, house phone, PS2 & 3 , laptop and other things. Our deductible is 1200.00, insurance company is Texas Fair Plan in TX.

I own one of 6 flats in an listed tenement building.

We have had a factor for 2 years but they have not been very good at all. We recently voted to get rid of the factor and to try self factoring.

However, I am struggling to find reasonable sources of shared building insurance (the factor previously managed this and one home owner has had major issues with the insurance company and wants to end that contract too).

I wondered if anybody out there has self factored?

What kind of issues came up?

Any sources of advice?

How did you manage building insurance for shared areas as a self factor?

Is it possible for my insurance to cover this case that fire beginning from my house spread to others and it burned them?

An impressive investment opportunity awaits you in Melbourne. The State of the art apartments in Oaks on Lonsdale, all suites are now selling and creating a storm of interest. Not often, luxury, managed accommodation in the centre of Melbourne becomes available at such affordable prices, with a 6 percent nett* nett* rental return, fixed for five years. *Conditions apply. Doesnt include owners corporation levies, building insurance & capital costs. 23-33 Lonsdale Street, known as Oaks on Lonsdale is leased and managed by the expanding accommodation management group, Oaks Hotels & Resorts, who has defied Australia’s economic and tourism downturn, reporting a 67% hike in first quarter EBITDA for 2008 over the previous corresponding period. The group is one of Australias largest and fastest growing Australian-owned hotel and resort operators and specialise in the management of four to five star strata titled apartments. Offering further peace of mind is that the average occupancy rates at the hotel during the first quarter of FY 2009 was more than 90%. Oaks on Lonsdale, all suites is one of Melbournes best-placed locations, offering easy access to entertainment, recreation, culture and commerce. Oaks on Lonsdale apartments offer accommodation which is the ideal central base, for both business and leisure. Here, youll be close to a feast of restaurants and cafs, the vibrant theatre district, Chinatown, fabulous shopping, the iconic MCG and Rod Laver arena. Parliament House …

I’ve been the owner of a casual sit down restaurant (owner of business and building) for sometime now. In this time, I’ve realized that the food industry is truly hectic and I need a change of pace. With real estate under turmoil, selling the business with the building has been quite a challenge. Thus, I am looking into renting the business out. However, I don’t exactly know what to do…

1.) What do I do about the business license? Can I rent it out too?

2.) What about business insurance? How is this passed on?

3.) How can I rent my equipment and cover myself if damage is done to it?

4.) Is renting it out a good idea, in your opinion? I am concerned that a renter may not care about the restaurant and taint its reputation. Then I’ll be left with a failing restaurant.

5.) Lastly, what is the best resource to go to for this? Is there a good book I should read?!

THANKS SO MUCH!!

My house was broken into today and i was wondering what, if any of the objects stolen will be replaced by my home-owners insurance.

Available July 1st! Currently the location for Helm Paint Store in Metairie located between Transcontinental and Haring Road. The price includes a lot in the rear across Quincy Street that is used for parking. Helm took over the building in June 2006, and put on a new facade, roof, HVAC, flooring, etc. and the result is that the property is in very good shape. Their lease expires at the end of June 2010 and they will be moving. We can arrange owner financing with $300000 down, if so desired by a purchaser. The property already complies with CPZ. The building insurance premium is $6310.54, the liability insurance is $1517, and the flood insurance is approximately $3000. This property is also available for LEASE at $18 per sq ft per month. More info available at www.skipweber.com or by calling (504) 887-3929

contractor to build some additional walls for me and I will pay for him. He is requesting a contractor’s liability insurance. Does the contractor has to get it and he pays for it or should I pay for it? Is it on time charge or w have to pay for the entire period while I am leasing the suite?