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Blog entries tagged with "insurance":
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Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers
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So you're buying your first home, and it's exciting, and maybe even a little overwhelming. There is one thing I think all new home-buyers should spend a little time on to save some money. Heck, even repeat buyers should spent a little more time on this. Take the time to shop around … (0 comments)
I am actually writing to pick the brain of all the BPO and REO service agents/brokers out there. First a little about me...
I am certain realtors have many responsbilities to their clients, some more important than others. Since I am in the field of insurance I find it fascinating that many new home purchasers come to me looking for homeowner insurance yet barely no the basic details of their home. Whether representing the … (3 comments)
As new homebuyers, people often go down the checklist of things to do before the close of escrow. One of these items is finding hazard insurance. I remember when buying my house, the most important thing we considered was price. How much will it cost to have hazard insurance and the … (1 comments)
In an effort to bring more value to our real estate community we are going to begin offering half day seminars to our general contractors. We would like to get the Phoenix Metro real estate community involved. Our goal is to have several of these seminars per year aimed at General … (1 comments)
The Landry Team with Keller Williams Realty hosted a Public Real Estate Workshop this past weekend February 23, 2008 in Holly Springs, MS. It was a great success with tips and discussions that motivated everyone. One particular speaker brought out many points that was very interesting to me.This was our insurance … (0 comments)
As we ponder how to solve the crises in the housing market, maybe this is the best time for the homeowners of the near future to consider the question posed above.
If you're not a homeowner, you might be confused by the brouhaha surrounding loan defaults and foreclosures. Learn more by understanding the basic terms used to describe a mortgage.
Recently I was showing a duplex to potential buyers. It was a 2-story arrangement with a slider from the master on the top floor giving access to the roof. There was a quasi deck arrangement there on the roof, but this is Washington. Naturally it was raining! The residents are tenants … (8 comments)
It's not the wild wild west but it certainly does seem like it with all the stuff that's going on in our society. Just keep watching the news and you can see that stuff happens in the lives of ordinary people. Teachers, pastors, doctors, constructions workers, laborers, insurance agents, Realtors...You name … (3 comments)
During the housing boom many homeowners took advantage of their equity and remodeled or extensively upgraded their homes. What some homeowners did not know or do is notify their insurance carriers about the upgrades. Some insurance carriers require notification about the upgrades so that their policies can be updated to cover … (3 comments)
It is your career and you should give it the best chance to be successful.
Indemnity is defined as security against damage, loss, or injury. It also means a legal exemption from liability for damages. To indemnify someone means to protect against damage, loss, or injury. When a property owner hires a property manager to manage their property, the management agreement calls for the owner to … (1 comments)
As an insurance agent and Realtor, I have many clients ask me about additional liability insurance. As a professional, I recommend that they purchase excess liability insurance, aka an Umbrella Policy. The umbrella policy can extend to other properties you may own, such as vacant land, rental properties, etc. Talk with … (0 comments)
Homeowner's Insurance and Your Credit HistoryUnless you have recently purchased a home or refinanced the home you're currently living in, you may not be aware that insurance companies are now looking at credit scores. According to the Insurance Information Institute (a non-profit organization, www.iii.org), insurance companies have learned that a person's … (3 comments)
Florida Insurance CrisisI'll admit ahead of time that I am biased on this issue as my husband owns an Allstate agency...That being said my concern is two fold.First, why does it seem that the Governor and/or State officials seem to have a personal vendetta against Allstate. Allstate is not the only … (2 comments)
we have so many people say to us, 'we are direct'. Direct to who, the next person in the daisy chain? come on people please get real,i know a crumb of the pie is better than no pie at all but be realistic! some of us are for real. if you … (1 comments)
Turn the equity here into Safe, Liquid Cash here! In my practice, mortgage planning is quickly cathching on and clients are beginning to get it. My greatest joy in preparing a comprehensive mortgage plan is when the client truly gets and understands it. Here is an example of a … (1 comments)
This is dedicated to all of those Mortgage Consultants that didn't make it and are now flippin' burgers. Yes, you know them.... calm, cool , collected types who sat back and the phone kept ringing........
I would like to share with you today a little bit of what we've been working on at Province over the last 4 weeks. We received approval from HUD to begin offering FHA mortgages in the middle of January, however, rather than beginning immediately to pursue applications for those loans, we … (1 comments)
FCA Houston | East Houston FCA | Fellowship of Christian Athletes | Eric Anderson | Brian Johnson InsuranceThis information is provided by the chairman of the East Houston Fellowship of Christian Athletes board, Brian Johnson.East Houston FCA has a full-time staff person that supports over 12 school districts and over 30 campuses … (0 comments)
YOU CAN GET LICENSED WITHOUT BEING CONTRACT WITH A COMPANY. CONTACT YOUR LOCAL INSURANCE DEPARTMENT YOU SHOULD HAVE TO PAY A SMALL FEE AND SOME STATES REQUIRE THAT YOU TAKE A CLASS BEFORE YOU GET LICENSED. ONCE YOUR ARE LICENSED YOU CAN GET CONTRACTED WITH ANY COMPANY AS LONG AS THEY … (0 comments)
FOR IMMEDIATE RELEASE: February 11, 2008 CONTACT:Wayne Clapp David Resendes Albert Harris, Jr. Founder Director of Marketing Chairman of the Board 336-457-6960 239-249-1505 609-433-0722THE ASSOCIATION FOR DIVERSITY IN MOTORSPORTS KICKS OFF"DRIVING THE VOTE, BRIDGING THE GAP" CAMPAIGN Association For Diversity in Motorsports promotes educating the youth in … (0 comments)
Good Morning AR Friends,I just wanted to introduce a good friend of mine, and business partner, Cindy Webb. Cindy is an insurance agent with Allstate in Arizona. Before moving to WA I referred all of my clients to Cindy; I also used her as my agent as well. Everyone I've sent her way … (0 comments)
According to the U.S. Department of Labor, the number of working women in the U.S. increased from 30 million in 1970 to more than 65 million today. But what part of women’s economic value is protected against losses their families might suffer upon a death? The answers appear to be that … (8 comments)
Choosing a Life Insurance Provider: How to Avoid Doing Business with a Bad Egg 
First American Title Ships 40% of Their US Jobs Offshore-With No Reduction In Premiums
First American Corporation, one of the largest national title insurers, announced plans to spin off its financial services business. It also announced a 4th quarter loss, due mainly to costs from the California wildfires. They also announced … (2 comments)
At AgentOwned Realty Co. Summerville Main St. we are committed to providing excellent service while assisting you in your buying or selling process. We employ Realtors® who distinguish themselves in today's real estate market. It is the attention to the fine details that set our real estate professionals apart and continue … (2 comments)
To Make Matters Worse In Florida, FEMA is Rezoning Flood Areas. They are sending the new flood maps to the lein holders who are notifying homeowners that they now need additional flood insurance. The coverages are from $400 to $4000. They interviewed residents on the news and they were talking to … (10 comments)
Health Insurance is one of the biggest concerns we face in America today. The self employed and real estate agents in general are one of the largest uninsured or underinsured groups in the market place today. As insurance professionals we are constantly looking for solutions this ever growing problem. As we listen … (4 comments)
Today, I had a client ask me who I recommended for Home Owners Insurance. I gave him a list of three providers that I use on a regular basis. The client was impressed that all three referrals were from different insurance companies. I told the client that it is hard for me to determine … (0 comments)
Geocaching has made me the talk of the office, everybody wants to do it and everybody wants to make money while having some fun. Getting started GEOCACHING is explained in this artlicle http://lifehacker.com/software/geocaching/learn-how-to-geocache-170347.phpLots of tech comments and reviews on GPS systems that can help you get to the top of the … (4 comments)
What do staging and lawyering have in common? For most people, not a whole heck of a lot. But for me, lawyering was inextricably linked with my staging. Before getting into staging, I was a lawyer. For a variety of reasons, things were changing in my life (not the least of … (23 comments)
Insurance is something most people take for granted; most of us have never actually read any of our insurance policies.
A few things we all need to be aware of is the need to have your home owners policy re-evaluated every few years as the value of your property increases. … (2 comments)
A Law That Saves Every Floridian $$$ We figured our first post should be helpful and informative, and we won't stop trying to get the word out about this guaranteed money saving law. State lawmakers have passed measures that make Insurance companies offer discounts that put money back in your wallet. NOTICE: … (4 comments)
AN OUNCE OF PREVENTION! What does the phrase "title search" mean to you? Aside from an activity at the local library, its purpose is critical to the successful sale of a home. A title search is performed by an attorney in order to guarantee that there are no unknown liens on or … (0 comments)
Have a neighbor up the street who has been growing his Landscape business since he moved in a couple of years ago. He now has 2 Landscape trucks, a brand new porsche, Mercedes and his employees show up every morning, drop off their cars for the day and hop in the … (4 comments)
(c) 2008 Robert Smith There's no doubt that there's a lot more foreclosure properties on the market and a lot more of them are selling. This post isn't as structured as most of mine are, but here are some general observations I've made on buying foreclosures over the last few weeks.First, look … (2 comments)
I want to invite you to join a new social and business networking website Neofuse. Neofuse is the newest, most innovative and BEST B2B networking site out there that allows you to network, both online and in person, and to make LIFETIME RESIDUAL INCOME! The site is BRAND NEW, and you are … (0 comments)
I picked up this article from the associated press and this is very exciting news. Many feel the costs of going green are far too high or that the return is negligible so they argue against it. I personally believe that this article is just one more link to show that … (12 comments)
WEXL Financial is introducing the Financial IQ System (FIQ), an improved version of this Australian product because the FIQ still uses the low interest rate most homeowners have on their primary mortgage by incorporating multiple financial strategies that are personally catered to your specific financial profile. WEXL Financial teaches Homeowner's how to utilize their current finances and create a … (0 comments)
In the lives of most men and women the most significant financial investment that will be made during the course of their lives is the purchase of their home. Therefore, it makes common sense that these people will take all necessary steps to obtain an adequate policy of homeowners insurance.
Just because the previous and/or current owner of your home is not required to have flood insurance does not mean you will not be required to get it. Flooding is the #1 natural disaster and most insurance policies do not cover flood damage. In addition, if you are in an area … (0 comments)
What system do you use for finding prospects? At some point the referrals may be slow or not coming at all. If you are just starting out, what systems should you use?If you know of some other posts that deal with this please point me in the right direction.Thanks in advance. … (10 comments)
In the "Flickr" of an instant your home could go up in smoke and all of your belongings with it. A terrible thought. But I've got an idea of how to use Flickr.com to make things a little easier afterwards when dealing with the insurance company. Flickr.com, how is Flickr going … (7 comments)
I am dedicated my next few posts to the value of referrals. To start, I am discussing an organization which I have been active with for over a year, and I believe strongly in. If you have been thinking about how to build your referral base - I recommend strongly to find out more … (18 comments)
Desperate times call for desperate measures and we are certainly in desperate times, with many people facing foreclosure in the real estate industry, but at some point you have to draw the line. I just read some alarming news on The Daily Green and on CNN. These are how you should … (6 comments)
Farmers Insurance has developed great packages to insure bookstores. If you have a business, like the OneDollar Bookstore of Orange, CA call Farmers Agent, Pamela Hayes for a free quote on your bookstore. Pamela Hayes (714) 262-1613 -- phayes1@farmersagent.com * Business * Workers Compensation * Auto * Home * Life * … (0 comments)
FICO Scores Used By Hospitals and Insurance Companies by John Alesi, Mission Viejo REALTOR® Mission Viejo CA Real EstateJanuary 8, 2008 As part of our weekly sales meeting, our local loan broker has a few minutes to update the agents with the latest loan programs and home loan interest rates … (5 comments)
Buying term life insurance for your family is a great gift that you can offer them by allowing them to continue to live in your beautiful new home, even if you should happen to pass away unexpectedly before the mortgage is paid off.
One of the goals for 2008 is to get very organized. To handle mail only once and take care of things when they present themselves. Somethings can easily be forgotten.My passport expires in October and I have been telling myself that I need to get it renewed. Since I have a … (4 comments)
We've all read the stories of the Natural Disasters that can strike without enough time to plan ahead. From tornadoes and hurricanes to wild fires and floods, Mother Nature can strike swiftly. 
Many realtors, mortgage brokers and attorneys in the home buying process tell their client to get quotes on homeowners insurance for their closing which is expected. In some cases this goes smoothly - and in many cases there are issues that come up with the insurance (specifically with the home or … (6 comments)
Just as there are things to avoid doing during the mortgage process, there are also things to keep doing during the process. Here's a quick list:DO continue making your mortgage or rent payments.DO stay current on all of your existing accounts.DO keep working at your current employer.DO keep your same … (1 comments)
To view Marin County Real Estate January 2008 issue, click on the link below...
The commercial real estate market and the health of the nation's economy as a whole will benefit from the reauthorization of the federal government's terrorism risk insurance program, which President George W. Bush signed into law on 12/26. The National Association of Realtors®(NAR) has long advocated for passage of the Terrorism … (0 comments)
Everyone loves firemen, because they are considered heroes and many young boys if you ask them what they want to be when they grow up they will tell you; Firemen. But, one thing we never consider is that not all firemen are good. I hesitate to say this, because personally, I … (9 comments)
Sacramento, CA-People are living longer than ever. That's a good thing, right? Unfortunately, the cost of maintaining a healthy, quality lifestyle is also on the rise. This mixed blessing is especially hard on seniors whose pensions (if any) and Social Security simply can't keep pace. With limited options, seniors increasingly need … (0 comments)
Update Insurance As Value Of Home And Possessions RisesMost homes in Snohomish County increase in value over time. The quantity and value of items inside also tend to increase as homeowners acquire more, often better, possessions. Yet many people fail to increase their homeowner's insurance coverage accordingly. It's easy to … (0 comments)
Thanks to Elizabeth Weintraub's blog, "Who Should Buy Flood Insurance?" for giving me the idea for this short piece:
One wouldn't think Montanans would need to be concerned about earthquake insurance, but according to the USGS (US Geological Survey) "Montana is one of the most seismically active States in the Union." The 1959 Hebgen Lake … (1 comments)
According to the Federal Trade Commission, over 10 million Americans have their identities stolen each year. In fact, you or someone you know may have experienced the crime of identity theft. Homeowners and renters now have a low-cost option available to protect against this growing problem. Several insurance providers are now … (1 comments)
It's the most wonderful time of the year. It could also be the most dangerous. Some First time homeowners, excited about first time holiday decorating; fail to plan for holiday safety. There are an estimated 200 fires and 25 injuries resulting from Christmas tree fires each year. You can easily prevent … (5 comments)
It is extremely important that realtors tell sellers to NOT cancel their home insurance until AFTER funding (when the seller gets their money in their hand or bank). When buyers and sellers go to closing, they are just signing the papers that leads to funding of the monies. Funding is sometimes … (14 comments)
I have lived and worked in the Ridgewood, NJ area for over 38 years and often I get asked about remodeling and how to avoid the many pitfalls that can insue. There are many ways a remodeling job can go south or end up with a less than satisfactory result. The … (3 comments)
I want to take a moment, first, to introduce a guest writer to all of you, Rob Wood of Standifer Insurance Services will be guest writing each month to educate our public about the insurance industry, trends, and programs available to help you in the insurance process. Rob works in both Georgia and Alabama. Let me … (4 comments)
I believe it is the agent's resposibility to inform clients about possible increases in the cost of insurance costs because of flood zones.Not sure where to find accurate maps? First, check with your Appraiser. Also, check out FEMA's website, and bookmark it for future reference.This may make or break a sale, depending … (2 comments)
Homeowners, who are in distress, have many issues. They are mainly monetary, but then it becomes emotional.These people may have been comfortable in their homes for a long, long time...but the increases in taxes and insurance are not paralleled to their 2-3% increases in salary.They want to "save their homes", they … (10 comments)