What kind of insurance do I need for a commercial real estate investment?
A Business Owners Policy is usually the best value for a small to medium sized commercial investment property, providing coverage for a building, contents, loss…
When do I need a commercial policy?
If your building has a business in it, or if you have five apartments or more you need a commercial policy to cover your property.
How does a property get valued for insurance?
Good insurance policies require that a building be valued at reconstruction cost, which is based upon labor and material costs, debris removal, demolition, and other…
Does a policy on a multi-family home cover loss of rental income?
A good one should provide at least 12 months of lost income if your multi-family is damaged by a covered peril. More can be added…
When do I need a landlord policy?
If you completely rent a one to four family house and there is not a business on the premises, you need a landlord or dwelling…
What should I require from my tenants?
We suggest that all of your tenants be required to carry renter’s insurance for themselves as part of their lease with at least $500,000 in…
Is my credit a factor in my insurance pricing?
Credit is used by nearly all insurance companies to either calculate a price or for acceptability.
Are all insurance policies for homes the same?
Some policies are designed for less expensive homes and contain few additional coverages often found in higher end policies. Call us and we can discuss…
When do I need a home insurance policy?
If you live in a one to four family house and it does not contain a business, you qualify for a home insurance policy. This…
