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HOMEOWNERS INSURANCE:
What is home insurance?

Homeowners insurance, or home insurance, compensates you for losses to your home and your
possessions inside it, so purchasing a homeowners policy provides added security for your
investment. Home insurance also protects you if you're legally liable for someone's injuries on your
property, as well as from financial losses caused by storms, fire, theft and other events outlined in
your policy.

{Protect your house — and your possessions — with
homeowners}
For homeowners, insurance protection is an important aspect of homeownership. Buying
homeowners insurance, or home insurance, means buying protection for your home — both inside
and out.
insurance companies*, offers home insurance, condo insurance and renters insurance to new and
existing  customers.

Why buy condo insurance?

Home insurance isn't your only option when it comes to protecting your belongings. When you own a
condominium, you — not your condo association — are responsible for what's inside your condo.
That's why having a personal condo insurance policy is important.
// { KNOWLEDGEFINANCIALGROUP.COM }
Why buy renters insurance?

Renters insurance protects you in situations that everyone can
face: fire, theft, water damage and other unforeseen
circumstances — situations your apartment owner's policy
doesn't cover.
Insuring Your Home's Structure

Protecting Your Home & Personal Property with Insurance

At your home, you rely on having a safe, comfortable place to live. When you purchase a home insurance policy, it should
contain a description of your home's structure and a list of excluded events that may not be included. It's important to ensure
you understand what is included in your coverage and any additional options you may want to consider.


Insuring Your Home's Structure
Learn about setting the right deductible and getting coverage should you need to pay for rebuilding your home. The price you
paid for your home is probably not the amount you will choose to insure it.

Structures vary so widely that a different policy is usually required for each type of home. For instance...

A Condo policy typically covers interior structures like wallboard and lighting fixtures.
Depending on your state, your association by-laws, and insurer, external walls may not be
covered.
Within a Home insurance policy, usually a home's entire structure is covered along with sheds and detached garages.
For Manufactured Homes, the entire structure is usually covered, while sheds and garages may require an optional policy.
A Renters insurance policy typically has no physical structure coverage at all, but it often provides essential liability and
contents coverage.

// {KNOWLEDGEFINANCIALGROUP.COM }
Most Unfortunate Events are Covered

Most insurance companies offer coverage for the same events that may damage the structure of your home, including fire,
smoke, lightning, wind, hail, frozen plumbing, theft, explosion, vandalism, the weight of ice and snow, and a few others. Talk to
your agent about the different coverage options available to you


Reimbursed Living Expenses
A benefit that can help lessen the hardship of living elsewhere while your home is under repair.
Reimbursed Living Expenses

If You Can't Live in Your Home for Awhile

It sure is nice to have the resources to pay for comfortable living quarters if you ever have to rebuild your home. It would be
tough enough to have to go through the reconstruction. Spending six months in your in-law's guest room could be the real
tragedy. But temporary housing isn't cheap — imagine the added cost of renting an apartment to your monthly budget.

If a covered loss puts you out of your home, many homeowners policies will cover the reasonable increases in expenses
needed to maintain your normal standard of living. This may include payments for a temporary housing, food, rental income
(optional coverage for some policies) and other expenses
// {KNOWLEDGEFINANCIALGROUP.COM }
Insuring Your Personal Property
You've made a significant investment in your possessions, and they need to be protected. Read about category limits and
per item limits that could affect the amount you generally are paid for covered lost or damaged personal items.

Personal Property Coverage

How to Choose Personal Property Coverage

Do you know how much your belongings are worth? The figure is often much more than our customers initially think. Taking
the time to assess what you own, and to understand how your coverage works, can help you make sure everything you
value is adequately covered.

Start by walking around your home and look for items that you spent a lot of money on, or that have appreciated in value
since you got them. Having a record of those items (pictures, documents, etc.) - especially those most important to you
either financially or personally, is very important in working to ensure they are protected properly.
// {KNOWLEDGEFINANCIALGROUP.COM }
Insuring Groups of Valuable Items

You can often use an Optional Coverage to raise the group limit on a category covered by your policy, such as computers — or
you can use it to insure an entire category of items that are not covered by your policy because they are less commonly
owned.

Liability Insurance
If someone accuses you of causing harm, it helps to have support in defending yourself. Discover how liability insurance can
help protect your savings in the event of a lawsuit resulting from a covered loss.


Liability Insurance

Keep Your Family - and Your Assets - Safe

Liability Insurance helps protect you against the financial uncertainty arising from injury (or property damage) that you or your
family may cause to other people. It typically even covers injuries whether they happen on or away from your property.

What does liability cover?
In the event that you or anyone in your household is accused of accidentally causing injury or damage to property, your
insurance coverage can help by providing for legal defense fees and, in the event of a settlement or judgment, can pay
damages (up to your policy limit).   
//
Guest Medical Insurance
Find out how your insurance can help pay for medical costs (up to policy limits) when someone is injured in a covered loss at
your home.
// { BUYHEREMARKET.BLOGSPOT.COM }

Guest Medical Coverage

Protect Yourself - and Your Guests - From an Accident Occurring at Your Home

Guest medical coverage, included in most residential insurance policies, provides protection for your guests, should they be
injured in or around your home accidentally.

Typically, policyholders with guest medical coverage can feel confident in their ability to help pay for reasonable and
necessary medical expenses (up to policy limits) caused by accidents at your home that are not covered by liability
protection.


What Types of Expenses May Be Included in Guest Medical Coverage?

Usually, reasonable medical expenses incurred to resolve a medical emergency (that happened in your home or on your
property) and reimbursed include such items as:

Medical - Surgical - X-ray - Dental - Ambulance - Hospital - And much more

// { KNOWLEDGE FINANCIAL GROUP -
Condominium Insurance

Condo Association Got You Covered? Better Think Again.

If something happens to your condo or townhome, it may be up to you to replace things like drywall, flooring, cabinets, light
fixtures, and more. That's where condo liability insurance comes in. Many condominium associations only insure the building's
structure and common areas, typically leaving each unit's interior construction to the homeowner. (However, condo or
townhome association coverages may also vary by state.)



Building Property Protection
Condo owners are typically responsible for insuring their units, and the association is generally responsible for the exterior of
the units and the association's property - though that may vary based on the individual state or association requirements.

Building property coverage helps protect real property you own (such as fixtures and other installations that are not typically
considered personal property) from damage by events such as fire or vandalism. It typically does not include real property that
the association or the other condo owners' units.


Replacement Coverage
Many policies feature this coverage which allows you to receive the full purchase price of lost items at the time of the claim.
//
Insurance Discounts & Savings

We've got many ways you can save on the cost of condo insurance.

Multi-Line (Condo & Auto) - Save up to 15% depending on the state in which you live as
well as the type of condo (or townhome) and automobile you have.
Protective Devices - Save up to 15% depending on the combination of installed
protective devices you have.
55 or older and retired - You may save up to 10-25%.
// {
Four Point Insurance Inspection

What is a 4 point Inspection?

The Four Point Insurance Inspection consists of the following four systems:
· Roof Inspection
· Electrical Inspection
· HVAC (Heat, Ventilation & A/C)
· Plumbing  
// {BUYHEREMARKET.BLOGSPOT.COM }

The Four Point Insurance Inspection was created after Hurricane Andrew struck Florida in 1992. It is
performed on behalf of the insurance companies and, typically, as a requirement for the insurer
offering insurance to the new homeowner.

After last year's barrage of hurricanes in Florida, the Four Point Insurance Inspection has taken on
added importance.

As insurance companies are beginning to see the benefit of the inspection, the program is
spreading to other areas of the country.

The benefit to the insurance company is, obviously, reduced loss risk on homeowner's insurance
policies. This is an area of business that has, for many years, been a money loser for insurance
companies.

In 2002, the Florida Legislature passed a law that combined the Florida Residential Property and
Casualty Joint Underwriting Association (FRPCJUA) and the Florida Windstorm Underwriting
Association (FWUA).

This resulted in the creation of Citizens Property insurance Corporation (Citizens), which more efficiently and effectively
provides insurance to, and serves the needs of, homeowners in high-risk areas and others who cannot find coverage in the
open, private insurance market. It is funded by premiums paid by the insured and from other insurance companies paying
into the program to reduce their overall losses.
// { BUYHEREMARKET.BLOGSPOT.COM }
The Four Point Insurance Inspection consists of the following four systems:

Roof Inspection
Electrical Inspection
HVAC (Heat, Ventilation & A/C)
Plumbing
// { BUYHEREMARKET.BLOGSPOT.COM }

The insurance companies are looking for the four systems to be in generally good working condition and fulfilling their
intended function. If the home is an older home the insurance companies want to see that the systems have been updated.
In most cases, the forms are provided by the insurance companies to their clients. The clients then ask the inspector to fill
the form out during the course of the home inspection.

Different inspections also exist  including Wind Mitigation inspections, 4 Point inspections, Roof Strap Verification
inspections, and Roof Inspections.


Wind Mitigation Inspection

Did you Know?:

Even if you live in a new home that contains shutters, tie downs, enhanced deck attachments (all required by Florida
Building Code in WBD areas), you still are probably not receiving the required wind mitigation discount. Not to mention, if you
have a hip roof, you may qualify for additional wind mitigation discounts.


What is a Wind Mitigation Survey?
Florida Statute 626.0629 requires insurance companies to offer Florida homeowners “discounts, credits, or other rate
differentials” for construction techniques that reduce damage and loss in windstorms.

// { KNOWLEDGEFINANCIALGROUP.COM }
Winds Mitigation Inspections  // { BUYHEREMARKET.BLOGSPOT.COM }

What is a Wind Mitigation Inspection

Why do you need a wind mitigation inspection? The question is a good one, and the answer is simple: to save money. If you
live in the in an area that requires windstorm insurance, you are all too aware of the outrageous insurance premiums we
must all pay just to live in our own homes.

With the hurricanes that have battered the southern United States over the past few years, insurers have raised their prices
to unbearable levels.

In order to mitigate this expense, you as a home owner have several options available to you. The most effective tactic for
reducing your premium is to have a wind mitigation inspection.

What that is exactly, is a close inspection of your home that may reduce your premiums by up to 45%. Obviously, this is a
very useful service, and one that will pay for itself in a very short amount of time. m


The savings from reduced wind insurance payments can go towards paying off the home sooner, eliminating credit card or
installment debt, or into your bank account, which is something, everyone likes.

The simple fact of the matter is that we could all use more money, and saving some is like making more. Cutting cost on
your wind insurance is a smart play during these trying times.  
// {
Florida Windstorm Insurance

What is Florida windstorm coverage?

A windstorm is a peculiar kind of peril. In inland areas around the country, windstorm usually means fallen branches, loose
roofing shingles or blowing debris. In Florida, the windstorms that blow in off the Atlantic Ocean and Gulf of Mexico can cause
catastrophic damage, especially in coastal areas. In 1992, Hurricane Andrew cost the insurance industry in excess of $15
billion dollars and pushed about 10insurers into bankruptcy.

In the wake of Hurricane Andrew, many insurance companies fled the Florida home insurance market. As a result, the state
was forced to create two home insurance pools: the Florida Windstorm Underwriting Association (FWUA), which provided
coastal residents with wind-only coverage, and the Florida Residential Property and Casualty Joint Underwriting Association
(JUA), which provided comprehensive home insurance to Floridians who couldn't find coverage in the private insurance
market.

In 2002, Florida lawmakers combined the two pools. Citizens Property Insurance Corporation. is now Florida's provider of
windstorm coverage and the state's home insurer of last resort.


How do I reduce my windstorm premiums
Windstorm premiums vary widely in Florida, depending on your home's proximity to water, what kind of home you own, the
construction, and whether your home has had any disaster-prevention improvements. If you make certain improvements to
strengthen your home against hurricane-force winds, you could save as much as 50 percent on your windstorm policy
premium.
These improvements include:

Gable end bracing. Install a 2-by-4 bracing inside the attic to strengthen a gable end roof. (A roof with a gable end often allows
wind pressure to push the "A" shaped section of the end wall off the top of the rectangular section of the end wall.)

Garage doors. Install pressure/impact-resistant protection devices, such as shutters, panels, and accordion-fold shutters on
garage doors; install garage doors made of pressure/impact-resistant materials; or if the existing door is impact-resistant but
not wind-pressure rated, install an approved garage door-bracing system to increase the wind-pressure resistance.

Roof covering. Consider replacing old asphalt or fiberglass shingles with tile, concrete, clay, or slate. The increased weight of
these materials helps keep the roof down during a heavy wind.

Roof straps. Have your roof inspected to determine if roof straps are present on each truss/rafter and if they are installed per
the manufacturer's recommendations. Homes built before 1995 are likely candidates for improved fastening of the roof
structure to the exterior walls.
// KNOWLEDGEFINANCIALGROUP.COM }
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Your house may be under-insured
There are essentially two types of property coverage: actual cost value (ACV),
and replacement cost, though the language may vary among insurers. Both include contents (up to
a point) and related structures, such a fence or unattached garage.

ACV costs less and thus provides a lower coverage ceiling. It covers the
cost of the house, essentially on an "as-is" basis, including depreciation
of its parts.

The replacement is of a "like kind and like quality," says Hackett, citing
the example of a 12-year-old roof, an important part of a house's
structure.

Replacement cost policies are by far the norm, but that's where things
can get complicated.

These policies are based on a detailed and complex formula using a
number of data sources from specialized subcontractors. This is why
insurers ask you all sorts of questions about the size, structure, materials
and contents of your house.

Replacement cost policies exclude depreciation and provides for
comparable material and quality.

The cost of materials and labor change over time, usually for the worse,
based on market forces and inflation.

So does your house, as a result of improvements, renovations and/or
additions. Experts say this is just one reason to review and update your
policy every couple of years.

Changes in local or state building codes can sometimes add to the cost.
/ RIGHT INFO, RIGHT PLACE, AT THE RIGHT TIME.
How much home or renters insurance is enough?
KNOWLEDGEFINANCIALGROUP.COM / RIGHT INFO, RIGHT PLACE, AT THE RIGHT TIME.

Insurance can be tricky. We know we should have it, but how much coverage do we need?  
“Both [homeowners and renters insurance] provide liability protection including medical
expense

“Both protect your personal property, even if your personal belongings are not
inside your house or apartment when damaged, destroyed, or stolen. Both also protect you if
the house or apartment is damaged and you need to relocate while repairs are made.”

How much is my mortgage? “Your lender will require you to carry 80% of the property's value or
insure the home to 100% of the mortgage,” Da“Be sure if your home is older that you take into
consideration inflation costs since you purchased.

If you added an addition, remodeled, or finished your basement, make sure you have added these
upgrades to your calculations. Buy guaranteed replacement coverage so if the property is damaged
or destroyed, the carrier must repair or rebuild the home to the value it was before the loss.”

How much would it cost me to replace or rebuild my property? Don’t make the
mistake of assuming that a drop in your property value means you can cut back on coverage. “A
surprising number of homeowners don’t realize that insurance values should be based on
replacement costs – what it would take to rebuild what you had,”


Do I need additional coverage for special circumstances?
“Read the fine print of your policy. All policies include particular caps or other restrictions that could
impact what happens at claim time,”


Have there been any changes to my home or lifestyle since I last renewed
my policy?
Experts say the top insurance mistake is being underinsured, which often happens because
consumers fail to update their coverage as their property or needs change. “Many people buy
insurance based on values that are vastly underestimated,”

How much is my stuff worth? “Most people haven't really taken the time to inventory their
personal possessions and don't have enough personal property insurance,”

“Renters insurance‘  If you are renting, don’t rely on the property owner’s insurance.
Remember, that’s designed to cover the property itself, not the stuff you own inside of it.

“Renters insurance  ‘must have’ coverage, especially if you are downsizing,” says Darras. “Your
furniture, rugs, heirlooms, silver, electronics, and all that stuff you have in storage, along with the
bikes and tools in the garage, your DVD collection—it all adds up to expensive items to replace.
Make sure you videotape your possessions once a year by going room by room, drawer by drawer,
closet by closet so you have an inventory, if disaster strikes.”
/ RIGHT INFO, RIGHT PLACE, AT THE RIGHT TIME.
IF YOU NEED HELP TO SELL YOUR REAL ESTATE PROPERTY  IN SOUTH  
FLORIDA; PLEASE CONTACT.  ANTONY A PROFESSIONAL REALTOR.  - - -
Fortune Int Realty. ---  CLIENTS COMPLETE SATISFACTION GUARANTEED !

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Home Warranties, Why Many People Need  Them?

Owning a home is a pricey endeavor. It requires attention and upkeep simply because things get old a need to be
replaced. Having a safety net will make the joys of homeownership a bit better, but be prepared to shell out some cash for those
repairs.

For the first-timers, it's always a rude awakening when they wake up to a broken hot water heater, or come home to a busted AC
unit. This time around, it's your problem, not your landlords!

What's a first-time home owner to do when crises strikes? What's a home warranty?

Home warranties are just like any other warranty you buy for any other appliance, like a dishwasher or TV. They cover nearly every
running system in your home, and cost anywhere from $300 to $1,000 per year.

The beauty of home warranties is you don't have to go shopping for repair men, nor do you have to pay out of pocket for the repair
itself.

All you need to do is call your home warranty provider and explain your situation. From there, the company will contact the
repairmen they're partnered with and send them over.

Your warrant premium will cover the cost, but  expect a co-pay in the ballpark of $50. Who should buy home warranties? These are
well suited for first-time home buyers.

They are used to calling the landlord when problems arise, and this is similar just a little different.  Homeowners who are used to
working long hours and don't have the time to tinker with repairs really benefit from these warranties. Those who also benefit are
owners who don't have the know-how to fix things on their own.

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