Groups are smaller communities within the larger ActiveRain. Join groups created by others. or start your own and
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This is the place to view the past and present contests put on by ActiveRain and its members. Everyone can join the
group and help encourage each other. Current contest will be highlighted posts so it's easy for you all to see. Let it
Curious as to what others in your profession think about a certain product or tool?
AR's community takes the time to leave honest and transparent reviews of their experiences
so you can be a bit wiser about your purchase.
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ActiveRain University (ARU) provides free on-line training. We coach, consult and support real estate professionals about real estate trends, technology and social media.
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Whatever it is you're into and wherever you are, AR surely has a group for you to join.
Brand, off the wall, specific subject matters…whatever it is you're looking for.
Each time you write a post you can syndicate your post to 5 groups.
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Each month AR runs numerous contests as a way for our members to engage in activities
that will boost their business and increase their visibility in the community and beyond.
Earn points by partaking in these contest and climb the leaderboard
Do what's good for you and your business by participating
If you have an idea for a contest, just let us know
Stay motivated and on track with new contests popping up each month
Ask a Real Estate Question
Here's another avenue for you to build relationships with others. Share your expertise with someone searching for answers.
Play the teacher role and help someone out today
Your Homepage will alert you of new questions in your state
A wonderful way to open a door to a possible new client
Ask a question yourself to get help
These state pages or hyper-local pages provide content directly related to a specific geographical location.
State, County, City and Neighborhood pages make it easy for consumers to find what they're looking for.
Post your listings, school information, local events, market reports and more
Consumers peruse these pages for information
Farm your niche market and cover all the happenings in your neighborhood
Real estate comes down to location, location, location. Same goes for disasters. Where you live offers clues to how susceptible your home is to damage by floods, tornadoes, hurricanes, earthquakes, wildfires, and other calamities.
These regional risks also indicate whether you need to consider purchasing supplemental disaster insurance to cover claims that wouldn't be included under a typical homeowners policy. Determining if you live in a disaster-prone region and reviewing your existing coverage are good first steps.
The next step is to create a home inventory, ideally with a digital camera or camcorder. Store copies of those files far away from your house or online at a backup storage site. That way, even if your home and computer are damaged, you'll have proof of what was lost. Remember too to devise a family evacuation plan and assemble an emergency kit with food, water, and supplies.
Homes in low-lying areas, near bodies of water, or downstream from dams are particularly vulnerable. Saturated carpet, insulation, and drywall can promote mold growth. Since flood damage is often excluded from homeowners policies, it's important to weigh the risk to your property.
At-risk regions: All
Coverage: Find out if your homeowners policy differentiates between "falling water" flooding-heavy rain, which may be covered-and "ground water" flooding, which usually isn't. Most insurers sell flood insurance, but it may be more difficult to get in high-risk regions. The National Flood Insurance Program is open to anyone. Most experts recommend insuring your home and its contents at the replacement value.
Cost:The average flood insurance policy costs $540 per year, while the average flood claim over the past 10 years was $33,000, according to the NFIP.
Damage from hurricanes can result from heavy winds, rain, hail, and tidal or groundwater surge. Insurers in areas that have been battered by storms-especially coastal regions in the Southeast-are more skittish than those in other areas.
At-risk regions: Primarily East Coast and Gulf Coast
Coverage: In low-risk areas, your homeowners policy may cover any damage not done by rising water or groundwater surge. In high-risk areas, you may need to purchase additional coverage or participate in a state-run pool for hurricane and windstorm coverage. Your state's insurance commissioner can provide details. Be sure to check whether additional hurricane coverage includes flooding from tidal or groundwater surge, or if you need a separate flood policy.
Cost:David Miller, CEO of Brightway Insurance in Jacksonville, Fla., says he has seen comprehensive windstorm and flood policies range from $300 for low-risk areas to up to $20,000 for high-end homes in the riskiest communities.
While earthquakes are associated with California, fault lines run through virtually every region. The U.S. Geological Survey tracks the latest quakes and keeps maps that show existing fault lines. Even minor earthquakes can damage belongings and leave houses structurally unsound.
At-risk regions: West Coast, especially California, and parts of Midwest
Coverage: Homeowners policies typically exclude earthquake damage. In California, supplemental coverage is available through the California Earthquake Authority. In other states, it's usually available from private carriers. Your state's insurance commissioner will have information on options.
Cost: A typical earthquake policy runs between $1.50 and $3 per $1,000 of coverage per year, with a deductible of 5% to 15% of the home's value. If a home is insured for $200,000, the deductible would be $10,000 to $30,000, possibly with separate deductibles for the structure and the contents.
Winds can reach up to 300 miles per hour and spiral into violent funnels. While there's not much that can be done to guard against tornadoes, keeping a home's exterior in good repair can help mitigate damage from high winds.
At-risk regions: Eastern U.S, especially Central Plains
Coverage: Tornadoes are typically covered under your homeowners insurance. However, it's a good idea to read over your policy or call your agent for confirmation.
Cost: Homeowners insurance premiums in recent years have averaged $804 annually.
Approximately 80,000 wildfires burned more than 5.2 million acres in 2008. Every state but Hawaii was hit. Areas that are experiencing drought are most at risk. Damage to homes can result from flames themselves, but also from smoke, soot, and even the water used to fight the fires.
At-risk regions: All
Coverage: Fire is typically covered by a standard homeowners policy. Be sure to verify exactly what your coverage entails. Is cleanup included? How about full replacement value?
Cost: In recent years homeowners policies have averaged as low as $477 (Idaho) to as high as $1,409 (Texas).
Homes built over or near abandoned mines are at risk of structural damage if the ground shifts or sinkholes develop. Mine subsidence can also affect the water supply and utilities in the area.
At-risk regions: Primarily Eastern U.S.
Coverage: Mine subsidence isn't typically covered by homeowners insurance. Coverage is usually available through state-sponsored pools, so check with your state's insurance commissioner.
Cost: Premiums vary. In Pennsylvania, $130,000 in residential coverage is about $7 per month. In Illinois, it costs less than $95 per year to insure a house worth up to $250,000.
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.