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insurance homeowners: How to Review Your Homeowners Insurance Renewal Statement - 03/29/09 08:21 PM
For most of us, our home is our single largest and most important investment. Many of us have poured thousands of dollars and countless hours into maintaining, improving and (hopefully) paying off our homes. Many people own their homes free of any mortgage. These assets are pure equity. Certainly its worthwhile to invest 15 minutes a year to be sure it's properly insured.Thankfully, the insurance company offers you a perfect reminder and opportunity in sending out your annual renewal statement. Even if your insurance is paid by your mortgage company as part of your impound account, the insurance company still mails … (2 comments)
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insurance homeowners: Whose Insurance Does What during "DELAYED POSSESSION"? - 05/24/08 11:06 AM
Got this great question from Jennifer Allan today and thought the answer might be worth putting into your bookmarks or memory banks.
Hey Dennis... What's the deal when a home sells and closes, but there's a delayed possession - that is - the seller retains possession of the property for a few days past closing to move out? If there's damage... which homeowners policy pays? The buyer's (who owns the property, but hasn't yet taken possession) or the seller's (who no longer owns the property)? WOW! Great questions, Jennifer.Homeowners insurance for the buyer goes into force to close escrow. After … (5 comments)
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insurance homeowners: I had a FIRE! What do I do now? - 05/08/08 03:25 PM
Fire can be one of the most traumatic and devastating losses anyone can experience.If you've had a fire and there were injuries or a death, my sincere condolences. If you've experienced just loss to property, please take a moment to be thankful that there we no injuries or death.You're probably still in shock that this has happened to you and bewildered by the seemingly endless task ahead of you. This is going to be a ONE DAY AT A TIME process. If you can settle into that thinking, this will be much easier. Every day that you make progress toward rebuilding … (2 comments)
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insurance homeowners: BEST Homeowners Insurance Quote-How To Get It - 04/09/08 08:12 AM
Getting the most for your insurance dollar starts with getting the best quote you can. There's few things in life more (seemingly) complicated than shopping for coverage like Homeowners Insurance.
How much coverage should I have on my house? How much Liability coverage should I have? What deductibles should I have? $250, $500, $1000, $5000? Is my Boat covered? What about insurance for my jewelry? Is my stuff in storage covered? What's MEDICAL PAYMENTS? What about Additional Living Expenses Let me offer you a comprehensive view of all of these questions. Take a look at my blog post at THE SAN … (0 comments)
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insurance homeowners: You and Your Liability Umbrella - 03/11/08 09:41 AM
In the world of meteorology, whenever it looks like rain, an umbrella is good to have around. In the world of insurance, a Liability Umbrella can protect you from getting soaked as a result of losing a liability lawsuit.
People are suing each other today more than ever. Verdicts amounting to hundreds of thousands of dollars are being awarded by juries across the country in increasing numbers. If you accidentally injure someone or damage their property, you could be the one being sued. Even though your underlying policies may provide substantial liability limits, it is not uncommon today for juries to … (1 comments)
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insurance homeowners: Homeowners Insurance - EVERYTHING you need to know....(Almost)--Part 2 - 03/01/08 03:36 PM
In Part 1, we gave your a brief introduction to Homeowners and talked about how much coverage you need on your home. In this section, we'll be getting into your PERSONAL PROPERTY and LIABILITY coverage issues you need to know about as a HOMEOWNER.
So let's get started..... :)
COVERAGE FOR YOUR STUFFIf your stuff is stolen from your car,IT’S COVERED under your Homeowners Insurance!!!There might be damage to your car though. THAT’S covered under your auto insurance. I’m sure you have car insurance ! ! ! (see 10 Ways to Beat the High Cost of Auto Insurance (Part 1) … (0 comments)
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insurance homeowners: Homeowners Insurance - EVERYTHING you need to know....(Almost)--Part 1 - 03/01/08 03:35 PM
Your home is likely your single largest investment. Protecting it properly is critical to your financial security. If you’ve only been guessing until now, then guess no longer.
Insurance for your home need not be a shot in the dark. There aresimple ways to determine EXACTLY how much insurance you should have. Even though insurance has been part of our culture for over 100 years, to most people – It’s still a just a mystery. And because they don’t understand it, a lot of people think they’re being “ripped off” by the Insurance Industry; aka “The Club”I want to end that … (1 comments)
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insurance homeowners: Homeowners Insurance-HOW TO CLOSE YOUR ESCROW -- How to buy it, How much to get, and HOW TO SAVE MONEY! - 02/02/08 05:16 PM
Homeowners Insurance-HOW TO CLOSE YOUR ESCROW -- How to buy it, How much to get, and HOW TO SAVE MONEY!
The informed purchase of your homeowners insurance can be the most important minutes you invest into the purchase of a home.
So, you've purchased your new home, navigated the rigors of escrow including home inspections, termite tenting, title searches, legal wrangling, paper work, signatures, delays, changes, lost documents, unreachable loan officers, and the dog ate my disclosure!
Then you get the call..."I'll need a copy of your homeowners insurance to close escrow TOMORROW!"
So now what ?
If you've … (1 comments)
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insurance homeowners: One Picture is Worth a Thousand DOLLAR$ - 01/26/08 01:41 PM
Yes, I know a picture is worth a thousand words, but it could also be worth a thousand (or THOUSANDS OF) dollars!I can't tell you the number of times in my 30+ year career in the insurance business that I've listened to a distraught policyholder after a loss struggle to remember everything that was stolen or lost in a fire. Many times I'll get a call many months after the loss because the client just discovered that, "They got my Grandma's silver too. We didn't realize it until we were setting the table for Thanksgiving dinner."The whole process wouldn't probably take … (5 comments)
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