Many Landlords are shocked to hear that their Homeowners Insurance Policies will not cover a home that is tenant occupied! Facts about Insuring Rental Homes Residential 1 – 4 Unit Dwellings which are tenant occupied should be insured by a Personal Lines Landlords Policy; mortgage companies refer to all sorts of property insurance as ‘Hazard […]
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As a small business owner, general liability insurance may protect your company when the unexpected occurs. Liability insurance (also known as commercial general business liability insurance) covers a variety of situations, including injury or damage that occur on your property or that are caused by you or your employees. It can also cover costs associated […]
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2019 has brought great grief to the Real Estate Market; with the huge Fire Losses in 2017 and 2018, many insurance carriers have reduced their geographic service areas in order to underwrite against adverse selection. Rising interest rates, high market values and strict mortgage underwriting has left an increasing appetite for the rental market; not […]
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In order to provide clients yet another unique and time conserving innovation, Stillwater Insurance Group has presented the best included option yet for Small Businesses who need Additional Insured endorsements. Immediately effective when an entity enters a written agreement with an insured within term of policy and provides instant coverage, even if an Additional Insured […]
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It is doubtful that you have ever met someone who was either happy with water damage in his/her home or who was sincerely happy with the hassle of repairing the damage! To the contrary, an example maybe a fraudster elated with the feeling of satisfaction knowing that others may have contributed to the remodeling of […]
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Benjamin Franklin once said: ‘Time is Money’ and the saying has stuck with us ever since! Business owners, more than anyone else, need to make the most of their valuable time. HDA Insurance has FAST and SMART options with the great Business Owners Package Policies. After answering just a few quick questions, you will […]
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Home Insurance Buyer’s Review Analyzing your homeowners insurance policy is simple when you know which items to focus on. Reconstruction cost of your home may be the key starting point to a quick and painless review! Home owners typically buy insurance for two reasons; either to protect their asset or to satisfy their mortgage obligation […]
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The interest rate is key when shopping for a new home loan. The rate will play a large role in figuring the amount of your monthly payments and also the overall total amount to be paid over the term of the loan. Interest rates often fluctuate, even daily at times. Many of us wonder what […]
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Many real estate and mortgage professionals are soliciting our opinion regarding the continuing changes which began following the first announcement of the Federal Reserve’s increase in interest rates. For the past few years, mortgage brokers have been struggling to get loans approved for both new purchases and refinance transactions due to very strict underwriting guidelines; […]
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It is natural for your insurance needs to change over time; thus, it is important to review your insurance policies periodically to make sure that all areas of concern are covered. Understanding Your Exposure Tragically, many people are not insured after devastating nature disasters. This post highlights only some of the important items which you […]
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