Joe Smith's (jsmith10) Blog

Did you know that if your tenant causes damage to your property you may be able to file claim against their renters insurance?  Everyday in the news accross the United States there is a story about a fire caused by the stove being left on, a candle left burning, or overused old extention cords.  ...

With the turbulence of the sub-prime mortgage market, has your client set them self up to lose their rental property? Over the last three years I have seen more and more people request their rental property be insured as a primary residence or a second home.  The only reason being is because they...

Did you know that insurance companies have the right to do drive-bys on homes they have insured? They do this to protect themselves from fraud. Basically, once a year they can have someone drive-by your home and take some pictures of it. But, what if there is something in the picture that the ins...

How important is a first impression?  I firmly believe that you have to be as honest as possible to your clients and potential clients.  Because of this belief I had to come up with a response for people even if I was having a bad day.  I believe it is Tom Hopkins that responds "Unbelievable" to ...

Like auto insurance, every policy is different in what it covers and how much it covers. With the events of the past few years, 9/11, Hurricane Katrina, and other large events, insurance companies have taken a hit and are starting to cut back on what they cover in their basic policies.Last year a...

This is going out to everyone, but especially Realtors. The reason I am directing this to you is because you carry more expensive equipment in your car than most people (laptops, cell phones, digital cameras...).Did you know that if your car is broken in to your auto insurance policy will only co...

If you are looking to pay off your mortgage in the event of an early death, you should look at traditional life products.  With the standard mortgage protection policy your premium stays the same the entire length of your mortgage but the amount of insurance adjusts or goes down with the principl...

Many people let their insurance lapse once they have their home paid in full and I believe this is a huge mistake. You still need to have insurance to replace the home if the home should be lost in a fire or other natural disaster. Even more important is to have liability insurance on the home in...

Despite the fact that you are buying the property, you still, for the terms of the lease, need a renter's insurance and liability policy. This policy protects your items in the event of theft or fire and your assets in the event of an accident.Most people think that when they are in a lease optio...