Homeowners Insurance 101: The Ultimate Guide to Insurance #4

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We’ll cover how homeowner’s policy protect your home, your stuff, and the bad things that could happen to others because of you.
Intro - 0:01
Fun Fact - 2:13
The beginnings of homeowners insurance
Property Coverage
Dwelling Coverage (Replacement Cost) - 4:03
Other Structures - 5:37
Personal Property - 7:01
Loss of Use (Additional Living Expenses) - 11:24
What Types of Bad Things are Covered?
Perils - 13:01
Occurrence - 13:21
3 Types of Homeowners Policies - 14:13
Basic (HO1) - 14:12
Broad (HO2) - 14:58
Special (HO3) - 15:31
DOWNLOAD THE PERILS COMPARISON HERE: bit.ly/2jSs8U6
Liability Coverage
Homeowner’s Liability - 17:16
Medical Payments - 18:48
Some Endorsements
Water & Sewer Back Up - 20:09
Natural Disasters - 21:45
Special Personal Property (HO5) - 23:11
Rookie Mistake - 24:21
Not taking the “extra package”
There you have it!
Entire course - yt.vu/p/PL425CAnBWQyR7jTxJzNJ1...
or right here - www.makeinsurancesimple.com
Join the Facebook Group Here: / 952960158110839
Learn more about us at:
Our Site - www.shineinsurance.com
Our Blog - www.shineinsure.com/blog
Our Podcast - www.scratchentrepreneur.com
Our Course - www.makeinsurancesimple.com

Опубликовано:

15 янв 2017

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Комментарии : 39

@YAY11LLI 5 месяцев назад

As someone starting out in the insurance industry, I want to say thank you and don't stop! I love your videos I watch them at home and work

@lawandsmith2838 3 года назад

Well done. I learned a lot from this video. Well organized and easy to follow.

@ShineInsurance 2 года назад

Big thanks!

@ongkhoabeo7287 2 года назад

this video is the best one to capture the whole idea about this insurance things. Thank you so much

@Pinkvintagefashion 6 лет назад

Thanks so much!

@ShineInsurance 6 лет назад

Hey Pink Vintage, No problem. Glad it helped

@Greenegoat 2 года назад

Thank you for the video.

@kimmyjenkins6977 2 года назад

Wow! Very detailed Love it

@ShineInsurance 2 года назад

Glad it was helpful!

@rashellyohn5128 2 года назад

That was a great delivery. Your a good speaker. I have a HOH I believe to be a HO1 basic out of Oregon. Policy Coverage and premium discounts Coverages $175,000Dwelling Coverage $17,500Other Structures $87,500Personal Property $35,000Loss of Use $100,000Personal Liability - Each Occurrence $1,000Medical Payments to Others - Each Person Additional Coverage Included Ordinance or Law $17,500 Personal Prop Replmnt Cost Discounts Paid in Full Discount E-Policy (Paperless) New Purchase Discount Deductibles $1,000All Other Perils $1,000Wind/Hail The definition of HOH states I wont have liability or personal property coverage under basic but my policy has it listed as covered. I am confused. Also: Fires are only covered under FEMA or Brush fires, whats the difference? thank you so very much. Rookie!

@zaccariasippidabarbersmith9922 6 лет назад

Good Video. Blessed Me.

@ShineInsurance 6 лет назад

Glad it was helpful! Let us know if you have other specific questions Jeremy can answer.

@la9753 3 года назад

Nice informative video.

@ralphrodgers7499 5 лет назад

thank you

@NehaSharma-qu4tn Год назад

superb content

@doug1863 2 года назад

Just looking at my policy, where would I read to know which coverage I have? I want to know if I have special

@cashmoney6878 6 лет назад

great video

@ShineInsurance 6 лет назад

Cash Money glad it was helpful!

@keniagonzalez300 6 лет назад

Do you have any video on workers compensation ? you make everything so much easy !

@jeremygoodrich1459 6 лет назад

yep. ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-2d8xYR3pe0E.html describes the Workers Comp audit process which can be super annoying to clients if they don't understand how it works. Also ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-1sRL61C0r4Y.html has a little about Work Comp. It's an overview of business insurance in general.

@keniagonzalez300 6 лет назад

Thank you !

@joejones5837 5 лет назад

I shopped for insurance for my home today. GEE I received quotes over $1,300.00 for less insurance than what I already have. I thought I was receiving a beating from my original company until I heard the quotes from the other idiots. State Farm is the STATE SUCK....I could not believe the rip-off fee they quoted! Really, the difference in the premium quoted to me for a homeowners policy on my tiny home would pay for your trip to Europe for a month. Do your research!

@ShineInsurance 5 лет назад

Yeah, big national companies tend to be more volatile because they experience losses in hurricanes, wild fires, and everything else. If you can find a good regional mutual insurance company through an independent agency that’s your best bet.

@mpal8264 6 лет назад

I also thought this video was excellent in understanding how to read an individual policy. My only comments was I own a condo instead of a home w. a picket fence. Would like to know differences in what I should have covered and what I shouldn't.

@ShineInsurance 6 лет назад

We totally should do a condo video! The big difference is that a condo actually has two insurance policies. The first is for the entire condo association. It tends to coverage the exterior of your home. The walls, foundation, roof, windows, etc. The second is your personal condo policy. It covers the interior of your home and your belongings. Where one policy stops and the other starts is described in the bylaws of your condo association. A rule of thumb is that your interior policy covers "studs in" why the association policy covers "studs out". If your condo were to burn down, the association policy would cover the cost of building the structure. Your interior policy would cover the cost of the drywall, floors, kitchen cabinets, bathroom finishings, carpet, paint, lights, etc Hope that helps!

@kondektuchowska8104 4 года назад

Alina Kondek-Tuchowska, Thank you very much for such easy to understand explanation. Would you kindly explain what happened when Water Thank get burst after few strong storms and Insurance refuse to pay?

@ShineInsurance 4 года назад

Hi Alina, I'm sorry you're dealing with a bad claim experience. Most water tank claims we see have coverage for the water damage but not replacing the tank itself. If you have a bad insurance policy (HO1) it would not have coverage for a "burst pipe". That may be the scenario :(

@annetrabowman6508 Год назад

Do landcontractor carries the home insurance

@kondektuchowska8104 4 года назад

My Insurance policy is very expensive, we have it for long time and I have the suspicion that we pay much more because of our original nationality. We dealing with very aggressive representatives and is time to fix the arrogance and mind control. We are retired and at home, we never had any damage even accidental. We had this year several very strong storms. We live in area where was not flood damage since 1985. We do not have any trees close to the house, Our neighbours have it and they are too lazy to clean up after their own trees. Every time when is strong storm we have their dry big palms leaves landing on our Verandah and garden. When Water Tank was assessed the Assessor seen it and he pretend that he is blind. I can not say that we were ever correctly protected by this Insurance.

@ShineInsurance 4 года назад

Very sorry to hear this. Your nationality should never have an affect on your property insurance. Here's what you should do: 1. Google "Independent Insurance Agent [your town]" 2. Read reviews 3. If your first language is not English, find an agent who shares a first language with you 4. Tell them your story and ask them to help Hope this helps

@brittanywool1906 7 лет назад

Is this for Georgia?

@ShineInsurance 7 лет назад

Brittany Wool while different states have minor differences, yes, this description can be generally applied to Georgia. For specific info about your policy check in with your insurance agent.

@alkasali4489 2 года назад

Noc

@injentech702 5 лет назад

Fast forward to 3:55 to start the video

@kellyyork3898 5 лет назад

Remember...if you are talking to an insurance agent, they are only concerned with making money for themselves and their company.

@ShineInsurance 5 лет назад

Kelly York, yer right, about some agents. Others are good people trying to make a living by providing the best companies, the best prices, and the best coverage. Every industry has slime balls. What you need is a super hero 🦸‍♀️