Homeowners Insurance Explained
Homeowners Insurance Explained
Homeowners Insurance Explained
Homeowners Insurance Explained
Homeowners Insurance-what do I need and why?
Daetara Johnson is a personal line account manager with Joseph W McCartin Insurance serving Maryland, Washington DC, and Northern Virginia. Daetara offers her advice on homeowners insurance.
Episode Summary
Victoria Ray Henderson talks about homeowners insurance with Daetara Johnson with Joseph W McCartin Insurance. Victoria is the host of Listen Up Homebuyers! The only podcast offering advice and tips from exclusive buyer agents.
Episode Notes
:15 Victoria Ray Henderson introduces Daetara Johnson with Joseph W McCartin Insurance.
:55 Overview of why people need homeowners insurance
1:30 When do you pay for homeowners insurance
2:00 How do I know what homeowners insurance I need?
2:30 Condos, single-family, townhouses, log cabins require different types of homeowner insurance
3:31 What questions does an insurance agent ask of the homeowner?
4:00 Do you have pets, especially dogs? Liability claims for dog bites could hurt your chance of getting homeowners insurance
4:39 Claim history is the number one reason people are denied coverage
5:00 more about liability insurance coverage
5:40 Why are people denied homeowners insurance? Are there homes that cannot be covered?
6:25 Climate change and the impact it has on homeowners insurance
7:00 Can flooding cause a property to be uninsurable?
7:30 Difference between a flood and a water incident
8:10 The state of Maryland requires sewage backup coverage
9:40 Homeowners insurance or hazard insurance, what is the difference?
10:00 Home values are on the rise, do I need to contact my insurance agent?
11:00 Should I contact my insurance agent if I am remodeling my home?
11:30 Does work need to be permitted to be covered by homeowners insurance?
12:15 What is a storm deductible?
13:30 What does the Guaranteed replacement cost?
14:32 Replacement cost vs guarantee cost
15:07 Pricing is based on the replacement cost not the market value of your property
15:30 Homeowners insurance is not a maintenance policy
16:00 Too many claims can cause a surcharge
16:20 water losses and roof claims are the biggest claims
We will not share your information with anyone....
Thank you for requesting more information...
We value and protect your privacy and will never share your contact information with anyone else.
How can we help?
If the exclusive buyer agents at HomeBuyer Brokerage can assist you in any way, please don't hesitate to contact us at info@homebuyerbrokerage.com.
Homeowners Insurance Explained
Homeowners Insurance-what do I need and why?
Daetara Johnson is a personal line account manager with Joseph W McCartin Insurance serving Maryland, Washington DC, and Northern Virginia. Daetara offers her advice on homeowners insurance.
Episode Summary
Victoria Ray Henderson talks about homeowners insurance with Daetara Johnson with Joseph W McCartin Insurance. Victoria is the host of Listen Up Homebuyers! The only podcast offering advice and tips from exclusive buyer agents.
Episode Notes
:15 Victoria Ray Henderson introduces Daetara Johnson with Joseph W McCartin Insurance.
:55 Overview of why people need homeowners insurance
1:30 When do you pay for homeowners insurance
2:00 How do I know what homeowners insurance I need?
2:30 Condos, single-family, townhouses, log cabins require different types of homeowner insurance
3:31 What questions does an insurance agent ask of the homeowner?
4:00 Do you have pets, especially dogs? Liability claims for dog bites could hurt your chance of getting homeowners insurance
4:39 Claim history is the number one reason people are denied coverage
5:00 more about liability insurance coverage
5:40 Why are people denied homeowners insurance? Are there homes that cannot be covered?
6:25 Climate change and the impact it has on homeowners insurance
7:00 Can flooding cause a property to be uninsurable?
7:30 Difference between a flood and a water incident
8:10 The state of Maryland requires sewage backup coverage
9:40 Homeowners insurance or hazard insurance, what is the difference?
10:00 Home values are on the rise, do I need to contact my insurance agent?
11:00 Should I contact my insurance agent if I am remodeling my home?
11:30 Does work need to be permitted to be covered by homeowners insurance?
12:15 What is a storm deductible?
13:30 What does the Guaranteed replacement cost?
14:32 Replacement cost vs guarantee cost
15:07 Pricing is based on the replacement cost not the market value of your property
15:30 Homeowners insurance is not a maintenance policy
16:00 Too many claims can cause a surcharge
16:20 water losses and roof claims are the biggest claims
Request More Information
We will not share your information with anyone....
Thank you for requesting more information...
We value and protect your privacy and will never share your contact information with anyone else.
How can we help?
The exclusive buyer agents at HomeBuyer Brokerage specialize in serving home buyers. Please reach out with questions at info@homebuyerbrokerage.com.
