Orlando Mortgage Blog

Compliement of Rob Owen...

Checklist

In the event of a Homeowner claim, you do not want to find out you don’t have the applicable coverage or endorsement needed to settle the loss. Please visit our website www.roboweninsurance.com and click “Get a Quote” (don’t worry, you won’t have to complete anything). On the right, you will see “Personal Insurance Checklist”. Click and read. If any of the items or examples apply to you, and were never discussed with your agent, we recommend contacting your agent to confirm coverage. Also ask the agent to complete a current Replacement Cost Estimator, RCE, and send you the results. You may find that your home is under- or over-insured. Ask if there are any discounts you are missing (Wind Mitigation, Security System, etc). Ask if there are any other companies offering a lower rate for the same coverage limits and get a quote. Of course, we would be happy to accommodate that request for you as well.

Hurricane Deductibles

This deductible applies to named storms, and is usually 2% of the home’s insurable value. Some companies will permit a lower deductible for hurricane losses depending on your Dwelling Coverage amount. However… most companies will allow you to change a Hurricane Deductible ONLY within 30 days your policy’s renewal date.

Saddle Animals

Gulfstream will now accept up to 3 horses which are kept on the premises for personal use. Normally, this would disqualify the buyer with most of the other preferred companies.

Your clients appreciate the advice you offer regarding insurance for their homes. Just don’t forget to spend a few minutes reviewing your own Policy with a qualified agent.

Rob Owen, Agent

Rob Owen Insurance, Inc | Property Insurance for Closings

2221 Lee Road Ste 12 | Winter Park, FL 32789 | www.RobOwenInsurance.com
OFFICE: 407-644-1615 | FAX: 407-644-8503 | TOLL FREE: 1-800-803-0866