Insurance company does not cover pit bulls?
http://au.answers.yahoo.com/question/index;_ylt=AhE4fL4bbuwHIpXOYj.fNZ7g5gt.;_ylv=3?qid=20080310184551AAPy4MV&show=7#profile-info-jwsC2Au5aa
Above is the question and the forth answer is what I am questioning.
What does this mean? Is it pet insurance for when a dog is sick?
I have house insurance and they wouldn't even know if I have a dog or not.
Do they refuse you house insurance? and if so what is the reasoning behind it?
I am from Australia so please excuse me for my ignorance as it is not something I have ever heard of.
One of the first questions insurance companies ask when you call for a quote is "Do you own a dog and what breed?"
Rates are higher for certain breeds because of the amount of liability insurance you're going to need to carry and you're best bet is to not lie to them because later on down the road if something should occur and your dog bites someone the insurance company may not pay the claim because you did'nt tell them you had a dog.And you have 2 fights on your hands instead of the one with the person the dog bit.
Insurance companies want your money but they don't want to give it back and they won't unless they absolutely have to.
If they feel the liability is too great yes they will deny you insurance or cancel any existing policies.One pitbull or Rott may raise the rate but 5 will get you canceled for sure.
It may be different in Australia than here in the US but I'm guessing not.
Filed under Home Insurance by on May 1st, 2010. Comment. 
How do you survive the financial crisis on one income?
I live in Australia, and I was wondering if you could give me some general tips on surviving every day life on one modest income?
We are expecting our first baby in March 2010.
We live very modestly, we have a mortgage that isn't huge, but still puts a hole in our pocket.
We don't have flash cars, we own a 11year old family car and have a loan on my hubbies work car (his job requires a ute)
I budget our grocery bill to about $150 a week, including nappies and wipes.
I have done a budget on every day things; insurance, electricity, fuel costs, and we some how still come out in the negative figures, on one income. I don't know what else i can stop spending on?
We have a fairly good amount of money saved, but looking at things, it looks like that savings might just be gone within a year.
We only have the internet and home phone as it is also required for hubbies job. But we have the lowest plan available which is $85 a month.
Please share how you manage??
Maybe you can get a part time job after you have your baby just for a little while or before you have it to earn a little bit of money. If that's not possible, maybe cut down on groceries a bit and go for cheaper brands and things. I'm not sure what else, just save as much as possible.
Filed under Home Insurance by on Apr 30th, 2010. Comment.