Over the last year or so we’ve done posts on insuring your home, mobile home and even a vacant home. We’ve discussed binding restrictions and scheduled personal property as well as policy deductibles, endorsements and possible discounts. One thing we haven’t discussed is a Builder’s Risk and/or Builder’s Risk Renovations policy. If you’ve been talking to a bank or mortgage company about financing the construction of your home, you may have been told you’ll need a Builder’s Risk policy and wondered what in the world that is. We’re here to help! ***Curtis insurance No Longer Offers Home Insurance ~ This Post for Informational Purposes Only** Purchasing a new home can be fun and exciting, it can also be fraught with fears, insecurities and too many things on your ‘to do’ list. Many people get all caught up in the excitement and forget one of the most important aspects of buying a new home–Insuring it!–then, in a panic, accept the first quote they receive, not understanding the basics of a home insurance policy. Don’t be one of them. On the heels of Memorial Day in May and Flag Day in June, July is the month of patriotism since the 4th is the day we celebrate the birth of our country as a nation, independent from English rule. Even though our break from the British Empire came in 1776, Insurance was sold in the Colonies as early as 1735 in South Carolina. In 1772 Benjamin Franklin along with more than 70 business owners formed a mutual company called “The Philadelphia Contributorship for the Insuring of Houses from Loss by Fire.” **Curtis insurance No Longer Offers Home Insurance ~ This Post for Informational Purposes Only** Hurricane Season is upon us and many people are brushing up on their home/mobile home insurance policies and getting their evacuation plan in order. They’ve pulled out the declarations page and in reviewing, find there are 2 or maybe 3 different deductibles listed: AOP, Named Storm and/or Wind/Hail. We’ll attempt to clarify these for you here…. **Curtis insurance No Longer Offers Mobile Home Insurance ~ This Post for Informational Purposes Only** If you call for a home, mobile home, or flood policy or to add comprehensive and/or collision insurance to your auto policy and are told no because the company is under binding restrictions, it may confuse or even irritate you. What in the world are binding restrictions and why do insurance companies implement them? **Curtis insurance No Longer Offers Home Insurance ~ This Post for Informational Purposes Only** If you’ve ever needed to make a change to your insurance policy or done research into adding coverage, you may have heard the terms Rider and/or Endorsement and wondered, What is the Difference? In this post we’ll explain and hopefully you’ll feel better informed when it comes to your insurance policies. Whether you think of moving as a grand adventure or one of the most stress-filled undertakings you ever endure, changing locations is something many of us do at least once in our lifetime. We’ve compiled a few tips to help you transition a little more smoothly. *Although Curtis Insurance NO Longer Sells Home/Rental/Mobile Home/Flood Insurance This is still good information to those looking to insure a vacant home* We’ve shared with you the importance of understanding your home owner insurance policy as well as different types of deductions you may be entitled to under said policy. We’ve also given some advice on travelling smart, fire safety tips and vacation preparedness to help protect your home, especially when you’re away. Today let’s talk about the importance of insuring a vacant home. First though, we’ll look at some instances when you may have a vacant home to insure….. |
Tommy Curtis
Is an insurance agent with integrity and your best interest in mind. Call to speak directly to him. Contact us Phone: 337-433-1683 Address: 509 7th Street Lake Charles, LA 70601 Office Hours: M-F 9a - 5p (CST) Follow Us
|