Groups are smaller communities within the larger ActiveRain. Join groups created by others. or start your own and
get others to join
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.
Broken down by categories and subcategories for easy finds
Get an unfiltered look at what real users are saying
Leave a review yourself for others to benefit from
Add new products as you use them and gain points for doing so
ActiveRain University (ARU) provides free on-line training. We coach, consult and support real estate professionals about real estate trends, technology and social media.
ARU Calendar provides class types and registration links
Watch short tutorials on updating your photo, inserting a hyperlink and much more
Sign up for the Daily Drop so you don't miss out on AR's daily happenings
Find answers to most FAQ's
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.
And if by chance you don't find what you're looking for, start a new group today!
Get your content in front of more eyes
Search by location or type
Feel free to start your own group
Find some that are close to home and close to heart
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
Ever-increasing homeowner insurance rates are not only affecting family budgets, but also home sales.
For example, an older home north of Interstate 10 in Spanish Fort - elevation 150 feet above sea level - would appear to be a likely candidate for lower rates. Not so, prospective buyers are finding. In fact, they may be shocked to find that they need to be insured through the Alabama Insurance Underwriting Association (AIUA), also known as the "beach pool."
The root cause is that insurers are trying to reduce their liability along the entire Gulf Coast. To do that, they have constructed parameters on what they will insure and where.
Three Eastern Shore insurance agents whom I contacted agreed to tackle a couple of questions to try to explain: They are: Lad Drago Jr. of State Farm; Glen Gorowsky with the independent Gorowsky Group; and Matt Malone of Malone Insurance, which sells Farmers Insurance. Each agent also sells other insurer's products.
Q: Since insurance cost is a consideration in a house purchase, what type of house, what age and what location will get a buyer the best rate?
A: Drago: Newer, brick homes will always get a lower rate than frame or older homes. Homes located in north Spanish Fort (north of Bay Minette Creek), Stapleton, Loxley, Silverhill, Robertsdale and north Foley are going to get lower rates and can be written through State Farm with wind coverage included. My team will map the homes and let the buyer know what to expect. Homes in southern Spanish Fort, Daphne, Fairhope, and Point Clear can be written through State Farm with AIUA for the wind.
Gorowsky: This has been a moving target and has just changed with the last major insurer (Farmer's) now not writing in Spanish Fort or Daphne.
The main consideration is distance to the water. From U.S. 98 west is the most expensive; going east of it drops as the carriers' exposure drops.
Older homes still rate well, but could experience a rate surcharge if the roof is older than 20 years. When shopping, make sure you know how old the roof is, or when it was replaced.
Malone: New house Fairhope 2006 or newer. The Loxley, Silverhill, Robersdale and Foley are still good (if they are built no later than 1995). 36526 (Daphne) and 36527 (Spanish Fort) are out (with Farmers). Fairhope is 2006 and newer. We have current contracts with Geovera, Lexington, Foremost (owned by Farmers) AIUA (beach pool).
Q. What options do homeowners have if their insurance is so high that they are having trouble paying for it?
A: Malone: I hear that a lot. It's sad. I hate it. They could maybe downsize. ... Some folks that own their home are self-insuring the wind. I do not advise this.
Drago: The only advisable option is to increase their deductibles. By taking on more personal risk through increased deductibles, a customer can reduce his annual premium. State Farm also gives a substantial discount to homeowners who also have their cars insured with us. Finally, if a person is purchasing an older home that has been completely updated (electrical, plumbing, and AC) they may qualify for a 35% Utility Rating Discount on their premium.
Gorowsky: Shop it. At times certain Lloyds of London syndicates offer outstanding rates, but once their quota is written, it goes away until a new quota is offered. New insurers are rumored to start writing in the next 3-6 months.
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.