Vacant Homes and Rental Homes Need Different Insurance Policies

Collier Swecker video blogs about how home owners who have moved out of their home or have decided to rent their home need to convert their existing home owners insurance policies to policies that will cover vacant homes or rental homes. Most of the time, rental homes and vacant homes are exclusions from the traditional homeowners policies and are grounds for denial of claims. We have seen it happen! If you have any questions or comments email me at Collier@MegaAgents.com, visit my blog at www.CollierSwecker.com or my website at www.MegaAgents.com.

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Home Owners May Want to Consider Getting Flood Insurance

Collier Swecker video blogs about how recent weather situations in the Birmingham Alabama area have highlighted the fact that some homeowners who are not technically located in a FEMA designated Flood Zones should consider getting flood insurance. Homeowners need to remember that normal homeowners hazard insurance policies do not cover damage caused by flooding or rising water. Collier gives examples of situations where owners may want to consider getting flood insurance. If you have any questions or comments email me at Collier@MegaAgents.com, visit my blog at www.CollierSwecker.com or my website at www.MegaAgents.com.

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Birmingham Tornados 2011 Lesson – Make Sure You Create a Video for Home Inventory

Collier Swecker video blogs his thoughts on the rash of devastating Tornados that hit the Birmingham and Tuscaloosa areas in April 2011. Collier has had the opportunity to speak with some of the many victims of the tornados and also some insurance professionals  who have all shared their wish that the victims had created better inventories of all of the possessions that they had in their homes. We just never know when we will be the victim of violent storms, so we must prepare now. If you have any comments or questions about this post me at Collier@MegaAgentRealEstate.com or visit my website at www.MegaAgents.com.

Your Vacant Home May Not Be Covered By Your Existing Home Owners Insurance Policy

Collier Swecker video blogs about the importance of updating your Home Owner’s Insurance Policies when your home will be vacant for more than 30 days.  Many people think that this applies only to second homes and vacation homes, but now with many primary residences becoming vacant due to relocation, these primary residences that are vacant, are often uninsured or underinsured. Do not just hope that your existing insurance policy will cover your vacant home. Recently, I have seen a few situations where Fire and/or Burglary was not covered and the homeowner was on the hook, personally, for the entire loss. If you have any comments or questions about the importance of insuring your vacant home email Collier at Collier@MegaAgentRealEstate.com or visit my website at www.MegaAgentRealEstate.com.