Are you using your property as an Airbnb? We’ve had a few clients turn their rental property into an Airbnb and this is a mistake. Not all landlord insurance companies allow for “short term rentals”, which is what an Airbnb is. It isn’t the same party residing there for 12 months, 24 months or 3 […]
Are you using your property as an Airbnb?
Does homeowners insurance cover plumbing leaks in walls?
Depends. The quick answer is the water leaking will likely be covered with anything it damages but the pipe itself would be a maintenance issue. Where it might NOT be covered (we had this claim), where it leaks for months and months before you call a claim in. Insurance is for sudden & accidental events […]
Does homeowner’s insurance cover a cracked foundation?
No. Earth movement and earth “settling” are not covered by homeowners insurance or any property insurance policy.
Who do you trust to handle your financials in real estate?
Who do you trust to handle your financials in real estate? When you want to refinance – who do you trust? When it comes to evictions or law work – who do you trust? When it comes to realtors, who do you trust? When it comes to an insurance professional, who do you trust? I’d […]
If My Insurance Policy Could Talk to Me.
If My Insurance Policy Could Talk to Me. You bought me when you 1st bought the house, as the bank would not lend money without home owner insurance. That makes total sense to me and I am also protecting perhaps your greatest investment. But when the boiler turned 25 years old and gave out, that […]
Who else has remodeled their basement?
Who else has done some sort of remodel to their basement? Recreation room, TV room, Theater room, wine room? Did you know that most all homeowner insurance policies carry a “sub limit” on water/sewer back up? On some it may be as low as $1,000, others could be $2,500 or $5,000. Water back up coverage […]
Homeowner’s Insurance Basics
Money Magazine recently published an article about homeowner’s insurance – https://money.com/best-home-insurance/ which gives a good explanation of coverage’s. It is a good start, especially for new home buyer’s without a prior home insurance policy. While I don’t agree with their top 7 companies, the rest of the article is very, very good and spot on. […]
Mixed Use Properties Means Some Retail, Some Apartments.
When it comes to commercial property risks, not all insurance companies want or can insure a mixed-use building. Mixed-Use means there is some commercial space and some apartment space in the same building. It could be a retail store, an office, a coffee shop and then apartments up above or behind the store. Often times […]
Beware the cute commercials, like the “She Shed” one.
Cute doesn’t exactly explain how the coverage’s apply. Is the “other structure” (in this case a garage called “other structure” on your homeowners insurance, could be a shed too) covered in this fire loss – yes. But what about the contents? Those auto’s you see must be covered under the comprehensive portion of auto insurance […]
Get a new puppy this year?
Were you surprised with a new puppy this holiday? With 70% of households owning dogs, homeowner’s often do not think about dog bites or being sued. This has been an ever increasing liability issue & lawsuits from aggressive dogs. In fact, my daughter got bit in the face by a friends dog and my Dad […]
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