Homeowners Insurance Explained - How to Shop for the Best Policy |  

Thanks for watching Kay!

Great! Thanks for watching!

Hi Michael! Yes! Insurance rates are crazy, esp in Houston where I live because of floods etc. Definitely everyone should shop around each year about 2 mo before your renewal! Mark your calendars!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

You are welcome Silver! Thanks for watching!

Thanks for watching! Insurance is just cra cra right now.

You are correct! That is why having an expert on your side, walking you through it is so worth it. It doesn't cost anything to get an agent's help, and in the long run can save you not only heartache but thousands! Thank you for taking the time to share your experience!

@@LoanWithJen you can Google the Xenia tornado. 1974 .

Hello Thank you for watching! There is insurance with no contents, I am sure. I am not a home owners agent, so be sure to talk to your agent about the differences in cost between exterior only, and then contents. Good luck to you!

Here you go! www.legerinsurance.com/ Kathy Leger is amazing!

Hi! Thanks for watching. You should shop for sure. Call 3 different agencies at a minimum. Try to get referrals in your local area. yes, insurance is nuts everyhwere, not sure where you live. Good luck

Thanks for the question! I would try to find a good Goosehead agent. They are nationwide. Also ask your friends who might have recommendations. Good luck!

I would shop with all the national carriers. That is what I did recently too. Each carrier has different rates in different cities. But Progressive, Geico, State Farm, Allstate Those are alot I see. I would talk to a broker in your area that can shop many different carriers.

Yes, any claims are paid to you and mortgage company. You need to call them, send check to them so they can sign off on it.

Thanks for your feedback. I did not intend to have viewers feel that way. Maybe watch again and bullet point what to ask an agent? I would get referrals to homeowners ins agents in your state. Ask friends or neighbors, and then use some of the tips in this video to know what questions to ask. Thanks for watching.

Thanks for commenting Arthur. Appreciate the feedback- Wish you the best. Yea insurance is crazy. mine went up too, and i had to shop like 7 carriers. Finally landed with state farm. Insurance all over is nuts right now.

Good luck Bonnie!

Good luck Bonnie!

Hi Bonnie! Sorry that happened to you! I’m not an insurance specialist. I’ll ask the question to someone who might know and comment back

Ok I emailed an insurance broker I know. This is her response your assigned, licensed adjuster, will need to provide you a copy of your policy, when denying your claim. And they should outline or reference what paragraph confirms his decision. Now, if you feel like your issue is not matching the issue he’s referencing, then there can be further discussion. What I’m thinking, in this case, is that he’s saying this is a case of poor workmanship, and that the water damage is because of the work the handyman did. Unless she can prove that the water damage was there first (like dated photos, or a work order or recorded call into the handyman where she says “I have water everywhere and need help resolving…” Technically, the order should be (1) assess/photos of damage, (2) call in claim, (3) wait for adjuster visit and permission to proceed with repairs. That adjuster should be able to come see the home in the damaged state, to confirm exactly what caused the damage. Now, obviously, there’s often some clean-up that has to occur, or even cutting out of soaked materials, but it should be minimal, and all materials should be kept in a bag, onsite, should the adjuster want to review it.

@@LoanWithJen yeah well if there's mold there that means it happened a while ago which it happens like a month or two ago and we cleaned it up but the guy that was staying in that room did not clean. And that's why there's mold damage. I guess it has to happen right away and then you call the adjuster well I can't let mole just sit there until they decide to come up and they said they weren't going to cover it because I couldn't tell him the guy's name that helped me plunge the toilet. It still wasn't working correctly anyway and he wasn't a licensed plumber

Thank you for this feedback!

I know its crazy right now in insurance . THanks for watching