Vacant Home with Builders Risk Coverage

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Vacant Home Policy with Builders Risk coverage by a Georgia Agent Read the rest of this entry »

Market Value Coverage

We hear it all of the time: “I purchased the home for ____ and yet the agent REQUIRED coverage for its Replacement value.  That’s too much coverage!”                           GET A VACANT HOME HOME NOW

Example: As an Investor the home was bought for $40,000.00 and the insurance company is mandating coverage for $200,000.00.  What gives?

We have solutions to insure the home for its “Market Value”.  If the home was just purchased for $40,000.00 then the market value is $40,000.00 minus the value of the land.  $5,000.00 is the minimum coverage.

Investor solutions include individual policies for each home OR a single policy that can provide coverage from 10 homes or more. Vacant? Builders Risk? Tenant Occupied?  Customized coverage for-

  • Vandalism
  • Theft
  • Personal Property
  • Loss of Rent
  • Liability

The insurance can be customized to meet YOUR need!  NO MANDATED coverage with optional coverage values.

Make an application for insurance today by clicking here or call us: 1-855-5Vacant  or 1-85Landlord

 

Actual Cash Value Coverage for Vacant Home Insurance

Actual Cash Value should not be a dreaded term.

The key to the coverage is to insure the home for it’s replacement value.  Settlement of claims are done on a “Actual Cash Value”.   The replacement value minus the depreciated value is the resulting settlement value.  If the roof is new, the depreciation is nil.  If the carpet is 20 years old, the depreciated value could be significant.

When purchasing vacant home insurance, landlord insurance, or home insurance, the term Actual Cash Value is often the default coverage type due to the age of the home.

Get a quote for your vacant home, tenant occupied home, or new home rehab project by calling us at 1-855-5Vacant or click here for an online application

Market Value Coverage is also available.  See more about Market Value insurance by clicking here.

Replacement Coverage Vacant Home

Replacement Coverage is a traditional term in many insurance policies.  Replacement Coverage provides the most understood coverage but that coverage mandates that the amount of coverage equals the value to replace.

For Vacant Home Insurance, Replacement coverage is available but with a premium.    When there is a high value home or a new home that requires Replacement Coverage, Georgia Vacant Home Insurance has solutions for the Vacant home.

Click here and start the application process.

Landlord Personal Umbrella Policy

The owner of a tenant occupied home is struggling to keep properly insured.  Insurance companies “change their rules” regarding what their insurance policy provides coverage and the result is a lack of personal umbrella policy coverage to the tenant occupied home.

Insurance companies are often times mandating that the Landlord insurance not be purchased UNLESS the customer has home and auto insurance with the same carrier; yet, the same carrier will NOT PROVIDE the basic Personal Umbrella Policy coverage to the Landlord.

Within the last few weeks, one insurance company in Northbrook, Illinois has stopped extending Personal Umbrella Policy coverage to the tenant occupied home.  This change in Landlord Insurance has left MANY owners of Tenant Occupied homes WITHOUT the added Personal Umbrella Policy coverage that the NEED to keep themselves properly insured.

Insurance companies are re soundly stating that they do not want to insure the tenant occupied home.

How can Landlords obtain the Personal Umbrella Policy coverage that they need?  The personal umbrella policy is readily available with low cost and NO MANDATES to change your current insurance provider.  Purchase a single Umbrella policy to cover the entire family or purchase a Extended Liability Policy for just the rental homes.

Solutions are available at a low cost.  For and example of those solutions, click here.

To start the process of re-establishing excess liability or a personal liability policy, click here for the online application.

We have solutions for the owner of tenant occupied homes for Personal Umbrella Insurance or the Landlord Insurance policy.

Give us a call!

678–648–1900 or click here to start the process.

Excess Liability Coverage is also available for the tenant occupied Condo, Renters Insurance, Home Insurance, or Auto Insurance Policy

Johns Creek Home Insurance

Johns Creek Ga Home InsuranceAre you looking for a lower price for Johns Creek home insurance policy?  Lower Home Insurance Rates can have a direct correlation to a Lower monthly mortgage payment for those with Mortgage Escrow accounts.

Johns Creek Home Insurance can be provided quickly and at a low cost from America Insurance Brokers when you call 678–648–1900 or click here to start the quote process.

Home Insurance in Johns Creek is provided by Home Insurance companies like Travelers Home Insurance, The Hartford Home Insurance , State Auto Home Insurance, Encompass Home Insurance and 6 other Atlanta home Insurance companies.  We provide options from a variety of insurance companies to ensure your coverage meets your needs.

So Call today for your low cost home insurance solution.

678–648–1900

or

Toll Free: 1–85–JustHome

We also provide Auto insurance, umbrella insurance, boat insurance, landlord insurance, Vacant Home InsuranceCondo Insurance, and motorcycle insurance for the Atlanta Resident.  Each policy can be written as a stand-alone policy and many carriers do not require both home and auto to be purchased at the same time.

Atlanta Home Insurance

Atlanta Georgia Home InsuranceAre you looking for a lower price for Atlanta home insurance policy?  Lower Home Insurance Rates can have a direct correlation to a Lower monthly mortgage payment for those with Mortgage Escrow accounts.

Atlanta Home Insurance can be provided quickly and at a low cost from America Insurance Brokers when you call 678–648–1900 or click here to start the quote process.

Home Insurance in Atlanta is provided by Home Insurance companies like Travelers Home Insurance, The Hartford Home Insurance , State Auto Home Insurance, Encompass Home Insurance and 6 other Atlanta home Insurance companies.

So Call today for your low cost home insurance solution.

678–648–1900

or

Toll Free: 1–85–JustHome

We also provide Auto insurance, umbrella insurance, boat insurance, landlord insurance, Vacant Home InsuranceCondo Insurance, and motorcycle insurance for the Atlanta Resident.  Each policy can be written as a stand-alone policy and many carriers do not require both home and auto to be purchased at the same time.

Alpharetta Auto Insurance

Auto insurance in Alpharetta Georgia.  Are you looking for a lower price for Alpha Auto Policy?  Is Accident Forgiveness important to you?  CASH Back important when you have had no claims?

Alpharetta Auto Insurance can be provided quickly and at a low cost from America Insurance Brokers when you call 678–648–1900 or click here to start the quote process.

Auto Insurance in Alpharetta is provided by Auto Insurance companies like Travelers Auto Insurance, The Hartford Auto Insurance with or without the AARP endorsement. GMAC Auto Insurance, Encompass Auto Insurance and 5 other Alpharetta Auto Insurance companies.

So Call today for your low cost auto insurance solution.

678–648–1900

or

Toll Free: 1–85–JustAuto

We also provide home insurance, Renters Insurance,  umbrella insurance, boat insurance, landlord insurance, Vacant Home InsuranceCondo Insurance, and motorcycle insurance for the Alpharetta Resident.  Each policy can be written as a stand-alone policy and many carriers do not require both home and auto to be purchased at the same time.

Alpharetta Auto Insurance 678-648-1900

Alpharetta Auto Insurance is facilitated well with Travelers Auto Insurance; yet, America Insurance Brokers provides Auto Insurance in Alpharetta Georgia with up to 12 different insurance companies that provide low cost high value auto insurance solutions with terms like: Accident Forgiveness, reduced deductibles, cash back of 5% with no claims in the prior policy period. 

When calling a insurance agent remember that many insurance agents only provide insurance with ONE insurance company.  America Insurance Broker’s Alpharetta Auto Insurance solution provides auto insurance with 12 different auto insurance companies.  The variety of options can ensure that the policy is tailored to your need vs. a canned product.

Alpharetta Auto Insurance is a good start and there is NO requirement to have home and auto insurance.  There is a potential of added discounts when one of the following insurance products are also owned:

Alpharetta Home Insurance, Alpharetta Umbrella Insurance, Apharetta Renters Insurance, Alpharetta Motorcycle or Boat Insurance.

This article has assumed up to this point that the Alpharetta Auto Insurance need is only for personal auto insurance.  There are plenty of Alpharetta Auto Insurance needs for Commercial insurance too. 

America Insurance Brokers provides a wide variety of Commercial Insurance like Auto, Business, Contractors and Workers comp.

So, give us a call at 678–648–1900 and start the conversation.  or click on one of the product links above and fill out an online application for one of the specific insurance products.

Thank you in advance for your consideration!

America Insurance Brokers

PS: America Insurance Brokers sells insurance in Alpharetta Georgia.  We do NOT sell leads.  When engaging our team, understand that we will work hard to provide a solution to meet your specific insurance need.

 

Buford Ga Home Insurance 678-648-1900

Buford Georgia is one of the 13 cities in Gwinnett County.

America Insurance Brokers Provides a wide variety of insurance solutions for the Buford Georgia resident and business.

Low Cost Auto insurance for the Buford Georgia Resident is KEY start to saving.  Many insurance companies are raising rates for Homeowner insurance while the AIB Buford Homeowner policies still have GREAT values and low prices for single family homes and Condos.  Don’t forget about the umbrella policy that can provided added protection to your family’s exposure to loss.  The Buford Personal Umbrella policy is a must have to protect your family from the catastrophic loss.

There are many other types of polices that a homeowner or resident in Buford Ga can benefit from:

Renters Insurance for the Buford tenant starts as low as $7.50.  The average monthly premium is closer to $15.00 a month. America Insurance Brokers represents 8+ insurance companies that provide renters insurance.

With the foreclosures increasing, America Insurance Brokers provides a wide variety of vacant home insurance for the Buford Vacant Home.  Vacant Express, Lloyds, Foremost, American Modern, and others means that a single call can provide a variety of options.

Homes occupied by tenants are in need of a Landlord policy that provides insurance for the Buford Rental Home.  We have that solution from 8 different insurance companies.  More options mean more solutions for your best value.

Boats on Lake Lanier and other Gwinnett boating locations can be insured quickly and inexpensively with a Buford Boat Insurance policy.

Buford residents that own a motorcycle can rest assure to KNOW that the Buford Motorcycle Insurance policy is the BEST coverage at the LOWEST possible price in Buford Georgia.

Buford Georgia occupants are more than just residential in nature.  Buford businesses also have insurance needs like:

General Liability for the Buford business

Contractors in Buford also need Liability Insurance for their contracting business.

Commercial Auto Insurance comes in all different types for the Buford Business and America Insurance Brokers has that solution ready to keep cost low while providing exceptional coverage.

and almost all Buford Business and Contractors are now required to have workers compensation insurance.

So start the process today and give us a call at 1–877–MattLocke (628–8562) or 678–648–1900 and let America Insurance Brokers provide you solutions that can save you money while at the same time provide exceptional coverage.

The Hartford Insurance in Johns Creek

The Hartford Insurance Company provides a wide variety of insurance.  Their insurance has been uniquely successful in providing solutions in Johns Creek Georgia.  

America Insurance Brokers provides multiple Hartford Insurance solutions to the Johns Creek Family.  A small list of these Johns Creek Family solutions are:

The Hartford Business insurance is another significant benefit for the Johns Creek business.  Commercial Auto,Liquor Liability, Retail Store, Office Building and Business Insurance are all products that The Hartford does well in providing.  The Hartford business insurance solution also provides insurance for Contractors.  And with all Johns Creek businesses, the need for workers compensation insurance is many times BEST facilitated by The Hartford Pay As You Go workers comp insurance product.

In Johns Creek, the Johns Creek Family or Business is encouraged to give our offices a call at 678–648–1900 or start the process by filling in the following “contact us” form, please click here

Other Johns Creek Insurance solutions are available for:

Hartford Home Insurance

America Insurance Brokers proudly represents The Hartford insurance company.

The Hartford has a large assortment of insurance products but in our region, The Hartford does not provide insurance for vacant homes.

Vacant Home Insurance is available from a large number of other insurance companies outside of The Hartford and America Insurance Brokers has MANY insurance carriers that provide vacant home insurance with Low Cost and Broad coverage options.

If you are looking for a quote on Vacant Home insurance, consider giving us a call at 1-855-5Vacant or start an online application by clicking here.

(Quotes provided will not be quoted with The Hartford)

High Value Home Insurance in Johns Creek

Johns Creek Georgia is home to a unique group of business and individuals.

In 2007, there were approximately 2,000 businesses located in Johns Creek with major employers (between 200 and 2,000 employees) including the world headquarters of Ciba Vision and national headquarters of Macy’s Integrated Systems, World Financial Group and Movius Interactive Corporation.***

Employment sectors in Johns Creek generally follow trends of the Metro Atlanta region as a whole. The largest concentrations of employment in Johns Creek fall within the manufacturing, insurance, financial/real estate, health care, retail and professional scientific/technology industries.

Johns Creek’s 2007 demographics show an estimated $150,592 median income, an average $201,494 household income and a $65,994 per capita income.***  (info from the city of Johns Creek website)

Homes in Johns Creek have values exceeding the average Georgia home values too.  The difference in value DOES have an affect on the insurance that should be in place for the home.  An average insurance policy provides insurance with limited coverage options that include limits in coverage and caps to coverage.

The High Value Home Insurance policy is not a “standard policy” from an agent with a NATIONAL insurance company name.  Names like CHUBB, Firemans Fund are the “traditional solution” for the high value home BUT there are other options.  Encompass, Central Insurance are other carriers that provide BROAD coverage with unique replacement coverage options.

Instead of looking to the “Red Box” or “Blue Box” solution, give us a call at 1–85–JustHome or 678–648–1900.  Consider starting the conversation by filling in the following online application.

NOTE: Our insurance agency provides insurance solutions.  We do not sell leads.  Contacting our office will result in a Professional Business approach to providing solutions to your insurance need.

To furnish your Johns Creek home, consider contacting our friend Alan Wyatt at Luxe Home Interiors.

Johns Creek Auto Insurance

Local Johns Creek Insurance Agency, America Insurance Brokers, provides low cost auto insurance in Johns Creek by providing insurance solutions with 10+ insurance companies.

Get a Low Cost Johns Creek Auto Insurance Quote by clicking here to start the application process. 

Our insurance agency provides insurance solutions.  We do not sell leads.  Contacting our office will result in a response from our team and will not result in multiple calls from multiple insurance agents.  We provide low cost insurance solutions in Johns Creek Georgia.

Not interested in submitting a request online?  Give us a call: 1–85–JustAuto or 678–648–1900.

Thank you in advance for contacting our office for a quote.  A Singe request will result in 11+ auto insurance quotes from our office.