Topic: 新屋保险 @枫下论坛 The Rolia Forum

枫下家园 / 住房话题 / 新屋保险 -pixiwa(pixiwa); 2001-11-20 {132} (#267850@0)
请问在VANCOUVER买房或拥有自己住房的朋友，一套20万左右的TOWNHOUSE新房，住房保险大概包括哪些部分，大概要多少钱一个月。
先谢谢大家了。

Not in Vancouver. -linmeimei(谁的眼泪在飞); 2001-11-20 {197} (#268568@0)
Why not just call the insurance company for quotation? Probably the good deal is with your auto insurance company since it will give you discount if you have both auto and home insurance with them.

In Vancouver -pixiwa(pixiwa); 2001-11-20 {130} (#268575@0)
There is only one car insurance in BC called ICBC. It is a semi-government company. They don't sell house insurance.
Thank you.

In Ontario, there's Ontario New Home Warranty Program. Each warranty period begins on the date that the home is completed for possession. -pitbull(硬頸); 2001-11-30 (#280880@0)

Warranty is warranty, insurance is insurance; no mess-up. -linmeimei(谁的眼泪在飞); 2001-11-30 (#281036@0)

Probably I didn't make it clear: New Home Warranty Program is a kind of insurance program; It's mandatory for builders and buyers don't pay extra cost to be protected. -pitbull(硬頸); 2001-11-30 (#281219@0)

For a new house, it has to be under both warranty and home insurance. And as a buyer, I have to pay CND$850 for the Ontario New Home Warranty. Nothing is free in Canada. Even if you did not pay, it is hidden in price. -linmeimei(谁的眼泪在飞); 2001-11-30 (#281225@0)

Never would there be an issue in mortgage application for a new home buyer in terms of ONHWP enrollment. -pitbull(硬頸); 2001-11-30 (#281256@0)

Do not understand what you really mean. CDN$850 is the cost of ONHWP itself. I think verbal communication works better than typing. 8-) -linmeimei(谁的眼泪在飞); 2001-11-30 (#281264@0)

Even better if it is in Chinese/Mandarin... Xixi... -pitbull(硬頸); 2001-11-30 (#281305@0)

Extra insurance policy has nothing to do with ONHWP. You could always buy some at your own wish if allowed in your budget. But for RESALE homes, different story. -pitbull(硬頸); 2001-11-30 (#281260@0)

I think linmeimei has stronger argument than you are man. -jeffrey815(Smartiecat); 2001-11-30 (#281270@0)

To address the very original query... (last statement) -pitbull(硬頸); 2001-11-30 {406} (#281301@0)
To address the very original query, in Ontario, new home buyers don't have to buy any insurance policy as long as they pay off their purchase. However, as linmeimei has stated, banks will urge you buy insurance policy if you apply mortgage from them. It applies to resale homes too in this sense.

Don't wanna be misleading or confusing, you know. It won't bother me if we get to the point ultimately.

房屋不一定要保险. 省下300x25年=7500 刀供房吧 -downtown1(UofT); 2001-11-20 (#268755@0)
don't waste your money on your home insurance. you don't have to -downtown1(UofT); 2001-11-22 (#270471@0)

从哪儿听说的? 我倒知道如果没买保险,银行的贷款都不发.(在多)除非有本事一次付清. -linmeimei(谁的眼泪在飞); 2001-11-22 (#270604@0)

downpayment 超过 25 % 银行贷款可不问房屋保险. 加国的房屋只有1% 有保险. -downtown1(UofT); 2001-11-22 (#271540@0)

you have to buy the fire insurance for your new house even you have paid 50% of your house. Otherwise, if you house got fire, nobody will pay you. Normally the insurance is from $200 to $300... -pepperdine(hp); 2001-11-22 (#271599@0)

Thank all of you. Anyone has more suggestion? -pixiwa(pixiwa); 2001-11-23 (#272884@0)

It won't be the case for NEW home buyers, as I've described upstairs; It's builders' mandate to have their new projects enrolled in ONHWP. -pitbull(硬頸); 2001-11-30 (#281236@0)

No misleading please. I am a new home buyer and my home is under ONHWP, while I still have to buy home insurance, otherwise, bank won\ -linmeimei(谁的眼泪在飞); 2001-11-30 {35} (#281258@0)
close the deal on the closing date.

It's clear insurance is related to your mortgage application only. As long as you pay off, no mandate for you to purchase any insurance policy. -pitbull(硬頸); 2001-11-30 (#281280@0)

TOWNHOURSE多数要每月交管理费, 房屋保险包括在管理费里啦. 以下数字做仅供参考, 某管理费$60:只包小区环境和房屋保险; 某管理费$170:包小区环境, 房屋保险,GAS,热水. -zjoy(Joy); 2001-11-30 (#281247@0)