Just Got a New Roof? Time To Shop Your Homeowners Policy!

Just Got a New Roof? Time To Shop Your Homeowners Policy!

One of the things that Brokers know and typically don’t share with our clients are what factors make up their insurance rates. Of course, each company has their own rating factors but there are a few that are the same from company to company. Today I’m going to share...
Sinkholes – Am I Covered?

Sinkholes – Am I Covered?

Answer: A basic homeowners policy does not provide coverage against sinkholes. Solution: A limited number of insurance companies will sell you an add-on (a.k.a an “endorsement”) to your homeowners policy that protects you in the event your home falls victim to a...
Protecting Your Home During Winter Months

Protecting Your Home During Winter Months

These past few days have reminded us all of something important….the cold weather is here. With this in mind, here are some important tips to consider to keep your family and home safe during the cold months.Watch Full Movie Online Streaming Online and Download Seal...
Can I Lower Your Mortgage Payments? In Many Cases, Yes.

Can I Lower Your Mortgage Payments? In Many Cases, Yes.

Each year, millions of Americans elect to pay the cost of their homeowners insurance as part of their monthly mortgage payment, commonly referred to as “escrow”. In this process, your homeowners insurance company will actually bill your lender, and the lender will pay the yearly premium on your behalf using the funds that were “escrowed” throughout the year.

Breed Restrictions and Insurance – What You Need to Know

Breed Restrictions and Insurance – What You Need to Know

One of the biggest sources of claims in the property casualty industry is canines. Most insurers now have their own breed restriction lists that will tell you what types of animals will exclude you from being covered in the first place. Here is a list of some of the...
Why Do I Need That Much Homeowners Insurance?

Why Do I Need That Much Homeowners Insurance?

One of the most difficult parts of being an insurance agent is sometimes explaining to people the difference between replacement cost and market value. All too often people only want to insure their homes for what they paid for them. However, homeowners policies need to insure homes for 100% of their replacement cost