If it's an Individual Plan, I doubt that you will find any company to take you. Here's underwriting disclosure for CA http://www.insurance.ca.gov/0100-consumers/0070-health-issues/ind-health-insurance-underwriting-ab-356.cfm If it's a group plan, yes you're covered. It's the law.
You can change insurance companies at any time you want to. Dry rot is not covered under any homeowners insurance policy and will not be covered by any other company that you change to. When the company finds that you are filing claims for such items and are mad because it wasn't covered the new application may be rejected as well by the new company. Dry rot is a maintenance issue and not the result of a covered cause under home insurance. To be covered by home insurance it must be the result of a covered cause which generally means it must be sudden and accidental.
The insurance companies should not have charged for change of address, which is part of their rendering service to the customers. In India, the insurance companies do not charge anything for the above service, though I am not aware if US insurance companies are charging for this trifle job or not !
Yes. You can change at any time. The insurance company cannot deny the claim because you changed companies.
yes
Different insurance companies cover differently. You have to call your insurance company to see what they cover specially. You could change insurance companies also.
Yes, you can change insurance companies anytime you want.
The best companies depends on what suits you. Health insurance is affordable. You may need to change providers if your provider does not have affiliations in Iowa.
A. You pay less money for insurance coverage B. You are less likely to change insurance companies
In case you are not aware, You can nominate more than one person for your life insurance policy. But it is not advisable as at the time of claim, payouts can happen only on 1 name & in such scenario, insurance companies ask for NOC from other nominee. You can change your beneficiary/ nominee by just completing the formalities of the insurance companies, in most of the companies it is a single pager form.
Health insurance open enrollment is typically offered by companies for 1 to 2 months out of a year as a way for many companies to allow employees to easily change their insurance coverage.
One has nothing to do with another.
Generally not. Most companies do not change your insurance rate for non-driving violations.