8 Types of Homeowners Insurance Explained! | How to Get the RIGHT Home Insurance You Need!
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- Опубліковано 17 кві 2018
- In today's real estate faq's episode you'll learn about homeowners insurance with 8 types explained!
🎬 About:
Whether your home shopping or already own a home this video is right for you! Consider this a homeowner insurance 101 video that breaks down what types of things homeowners insurance covers.
Turns out, quite a bit depending on the homeowners insurance coverage types you might choose.
With so many options, you're watching the right video to be prepared for your next conversation with your homeowner insurance agent!
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Andrew Finney Trusted Real Estate Advisor/ USMC Veteran S.0173260
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Disclaimers/ Credits:
At the time of production, Andrew Finney, S.0173260, is a real estate salesperson with BHHS, NV Properties in Las Vegas, NV. Andrew's videos are his own and do not necessarily represent the views and/ or opinions of BHHS, NV Properties. The purpose of Andrew's videos is to educate you and help you make sense of the real estate process. I am not a CPA, attorney, insurance, contractor, lender, or financial advisor. If you have questions about home loans, real estate, taxes, financial advice, real estate law, insurance, professional trades, or any other services, you are advised to reach out to the appropriate professional for further counsel about your own unique situation. The content in these videos shall not be construed as tax, legal, insurance, construction, engineering, health & safety, electrical, financial advice, or any other and may be outdated or inaccurate; it is your responsibility to verify all information for yourself. We have taken reasonable steps to check that the information in this video is accurate but we cannot represent that is free from error. Linked items may create a financial benefit for Andrew Finney Team. Any use of other media is by fair-use or license only.
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You are a LIFE SAVER! I’m currently going through the process of picking homeowners insurance... Your information has help me! Thank you ANDREW💕You ROCK!!!
Great video! Needed to know all this!
Clear & insightful !!!
Thank you for this information 🙏 😊
Insightful video- thanks!!
Thank you Cait!
I'm glad this video hit the mark for you! Yay!
Just out of curiosity, did you happen to catch the first video of the reality show I made last week? If you'd like to check it out, here's the link: ua-cam.com/video/byMELcRfWEk/v-deo.html
Thanks again for watching and commenting,
Andrew Finney
If you'd like to support my channel, please feel free to donate what you feel is right at: paypal.me/andrewfinneyteam
Take a look at New Zealand Insurance, We have government levies paid to insurance companies for first loss natural disasters. perils include eg (Flood, inundation, landslide, erosion, subsidence, tsunamis, Earthquakes geothermal etc...). Customers pay $300 for $150000 + tax (15%) of cover per year, the benefit is if your damage sustained is more than than this your insurer then steps in to cover the rest up to your sum insured (rebuild/replacement cost limit) Some parts of your home have a $5000 deductible such as fences, driveways, pools and decking as that's excluded by the government (only during natural disasters) but all in all it helps separate the need for separate confusing (layered) policies in the USA that only cover specific perils. In New Zealand there is typically only two covers (comprehensive and essentials). Essentials covers 8 specific perils but doesn't rebuild the home, at most it repairs the damage OR pays out the market value of the home excluding land. Comprehensive covers all sudden and accidental loss or damage events except those excluded by re-insurance companies eg Riot War, public disturbance, nuclear etc.... on occasion generators that burn out or hydrostatic pressure damage is excluded but all in all new zealanders are well protected by these simple comprehensive policies. Just thought I'd share
I'm taking my P&C exam this Friday any tips!??
Hi Andrew, Thanks so much for taking the time to educate me about buying a home. My question is I’m looking for homes in areas of Orange County, Florida that I can buy a home in for $100,000. Real estate agents aren’t allowed to tell you if an area is good or bad, but I really need to know where I can find that information? I live in the Bronx in New York and like Harlem there are good & bad areas, as well as up and coming areas. I noticed that quite a few houses in the not so desirable areas have homes in my price range. I also noticed that the prices are going up. I’m going to Orlando the 4th week of May & I wanted to drive around & check out different areas. Do you think that’s a good idea? Thank you Robin
Hi Robin Ferguson,
Thank you for watching! It's great to hear from you.
Great questions! Here's a link I found to a crime map for Orlando, FL: spotcrime.com/fl/orlando Simply google crime maps for Orlando, FL to search the results for the map you enjoy using best. On another note, I'm happy to introduce you to a top agent in Orlando, FL to help you buy your new home. Simply email me at: Andrew@AndrewFinneyTeam.com Thanks!
Yes Robin, it's a brilliant idea to drive around the areas that interest you most to see if they are the right fit for you. Only you can make that decision. Yes, you're right that an agent cannot "steer" you by sharing their opinion of an area one way or the other. Here's why: ua-cam.com/video/JHWoilUV-oU/v-deo.html
Please let us know how everything works out for you and what you find on your trip next month. Thanks!
Question... What would you like to see next?
Thanks for watching!
Enjoy an amazing day!
Thanks,
-Your Real Estate Geek, Andrew Finney
www.andrewfinneyteam.com/
Andrew Finney Team Thank you Andrew for your help. I would love to see a video about finding homes in up & coming neighborhoods if possible & how to tell what is an up & coming neighborhood. I’d also love to see a video about new construction homes & how to get them at a lower price if they’ve been on the market for awhile. I also would like to see a video about 55+ communities & if you can move into them if you’re 51 years old. Thanks again & enjoy your week.
Robin Ferguson port st lucie florida is really good, safest place in florida and cheap houses, good retirement area
What is the most common home owners insurance? And could lenders require one policy over another?
What type of home is not covered by specific type of insurance policy
Hey I just wanted to watch more more videos and property's and casualty exam because.
Hey Michael!
How'd your exam go?
Thank you for this
Your welcome Kevin! Thank you so much for watching!
What would you like to watch next?
@@AndrewFinney I started watching your 2021 housing truth video. Interesting stuff so far! I'm looking for a plan B and would like to speak with you at some point.
@@TOMMY-WANT-WINGY Awesome! Welcome to our home tribe my friend! The newest video will come out today at 2:30pm PST. Please double check that you tapped the bell icon when you subscribed to get all "all notifications." That way you'll be notified of new videos. Just out of curiosity, what are you thinking for your "plan B?"
@@AndrewFinney I am subbed and Black-belled. I am looking to have a supplemental income through real estate and hopefully in 10 years or less get out of my 40hr prison sentence.
@@TOMMY-WANT-WINGY Thank you my friend! Very much appreciated! Please let me know anytime you have an idea for a new video. =) That sounds like a great plan! Let me know how I can help out.
What type of training do you need to sell this type of insurance
Hi Laura,
Great question!
Here's a link to get you started:
www.kaplanfinancial.com/resources/getting-started/how-to-become-an-insurance-agent
Thanks for watching!
What would you like to see next?
I’m actually going to take my licensing exam today! In Virginia, you need to pass the licensing exam, file your application, get approved by the commission, and then in order to SELL and not just to ADVISE, you need to be appointed by an insurance carrier.
Some segments in the video are stamped not adjacent to each other
So if you're buying the house outright you're not required to have Insurance at closing---- that's my assumption, am I correct??
Hi M. M.,
Thank you for watching and for reaching out. It's great to hear from you!
No you likely won't be required to have homeowners insurance IF buying all cash. (some states may vary on this so it's best to double check with the title/ escrow officer)
That being said, it's extremely prudent to carry homeowners insurance whether it's required or not. Consider if something happened to your house... Flood, earthquake, fire, tornado, hurricane, mudslide, etc...
Best practice is to ensure one has adequate homeowners insurance coverage for one's needs.
What would you like to see next?
Thanks again for watching and commenting.
Enjoy a fantastic day!
Thanks,
Andrew Finney
www.andrewfinneyteam.com/
Great topic!! Turn off background music....distracting
Hi Penny Dollar,
Thank you for watching! I'm glad this video helped you! Yay! =)
On a side note, as of the 2nd Qtr in 2019 all background music other than intro/ outro is turned off. Like you, many other subscribers shared with me they want me to drop the background music. Messaged well-received and improvements made!
Please take a look a some of the new videos and let me know how I'm doing. Your comments are important to me. Thank you.
Heads up, my new 2020 content is rolling out mid-late Jan 2020. I'm super excited about it and I've been working on for the past 6 months. Its the most challenging and exciting content I've created to date. Super happy to share it with you and our growing subscribers. =)
Can't wait to see what you think of it.
Thanks again Penny Dollar!
Enjoy a beautiful day!
Thank you,
Andrew Finney
andrewfinneyteam.com
We're stronger and better together, please support my channel to help us grow: paypal.me/andrewfinneyteam
You speak way too fast. It would also be helpful to have some visuals.
Videos can be slowed down