SSRE011: Choosing Your Homeowner’s Insurance

11/05/15 • 28 min

Homeowners insurance is one of the most affordable types of insurance. You get hundreds of thousands in coverage for a relatively small premium. How do you know you got the best deal or the right coverage though? Jared Grant explains...

Best way to shop your insurance policy
What is homeowner’s insurance and you should have it.
What homeowners insurance does do for you and doesn’t
Difference between warranties and insurance
Why it’s vital to carry insurance even if you are not required
Factors that increase your insurance premiums (and how to avoid them)
How to reduce your insurance rates
Obtaining a occupational discount
How to avoid suplerflerous coverage
Why no insurance company is immune to premium increases
and more...

Quick Tips from Jared

Homeowner’s insurance is much like a team. When you obtain a policy with a particular company you are going into a cash pool with all the other individuals also at that insurance company. As other folks take out claims they are paid from the pool of money. This effects everybody’s rates at that company. On the flip side of that coin companies are looking to balance the team out to average risk down. This is why one company may provide you an inexpensive quote versus another for the exact same coverage.

Sites Referenced in this Podcast

Jared’s Website (FarmersAgent.com/jgrant) visit this site to put in for an online quote.

More information

I encourage you to follow up with Jared directly at (520) 447-7900 and obtain a no obligation quote today. Jared is awesome, and will educate you on exactly what’s right for you even.

Best way to shop your insurance policy
What is homeowner’s insurance and you should have it.
What homeowners insurance does do for you and doesn’t
Difference between warranties and insurance
Why it’s vital to carry insurance even if you are not required
Factors that increase your insurance premiums (and how to avoid them)
How to reduce your insurance rates
Obtaining a occupational discount
How to avoid suplerflerous coverage
Why no insurance company is immune to premium increases
and more...

Quick Tips from Jared

Sites Referenced in this Podcast

Jared’s Website (FarmersAgent.com/jgrant) visit this site to put in for an online quote.

More information

I encourage you to follow up with Jared directly at (520) 447-7900 and obtain a no obligation quote today. Jared is awesome, and will educate you on exactly what’s right for you even.

Previous Episode

SSRE010: Ian Brannon on Home Loans for Doctors in Residency

Graduate with a mountain of med school debt? Treat yourself to something nice such as an up to $800,000 home, helicopter pad optional. Learn more in this 20 minute podcast...

How to take advantage of currently available home loan programs for doctors.
Finance up to $800,000 with as little as 5% down (current market rates 9/23/2015)
Purchase in residency prior to making big bucks.
Loan programs that do not consider short term student loan debt.
Obtaining a 12 month forbearance on student loan payments
Loan programs for foreign national doctors
Obtaining a pre-qual letter to get your offer accepted before other buyers.
How to make the most of your time when shopping for a home loan.
Basic nuts and bolts on lending: Debt to Income and Loan to Value.
And more..

Quick Tips from Ian

Financing a home after medical school can be difficult. Doctors go to school for longer than most people and can incur large amounts of student loan debt. This debt can restrict their options in obtaining home loans through traditional financing programs that factor in debt to income ratios. Special programs exist JUST FOR DOCTORS taking this into account. These programs allow newly graduated doctors with high medical school debt to obtain financing during residency.

Note Brannon Group at Nova, Brokers loans This means they shop the loan for you saving you a great deal of time and stress while getting you a better loan than you would obtain on your own.

Sites Referenced in Podcast

Brannon Group Website (http://www.novahomeloans.com/brannon-group/) visit this website to apply with no obligation or cost to you for a home loan.

More information

You can follow up with Ian directly at (520) 577-4761 if you have any specific questions. Or go a head and fill out a loan application at NovaHomeLoans.com/Brannon-Group/ and Ian’s team will follow up with you.

Next Episode

SSRE012: Staging Your Home to Sell with Michelle Vermuele

Transform your home from a big boring box to a beautiful inviting home people love and want to buy. Michelle shares...

What staging is
Small staging items that completely change the feel of your home
How to pick and choose colors that work with your layout
What not to stage your home with
Items you should ALWAYS stage with
How to get buyers excited about your listing
Getting good feedback on your listing
Making sure buyers see best features of your home
Toning down echos and make your home feel inviting
What you MUST do before staging
Why cluttered cabinets and pantries are BAD for selling your home
What to expect when you hire your staging pro
and more!

Quick Tips from Michelle

Staging can take your home from being another listing on the market to the top sale. By staging you add that pop of color and life that makes buyers feel invited and at home. It helps accent the best features of the layout so nobody misses them. It literally will take your house from being a big empty box on the market to a home people love and want to buy.

Podcast References

Staging Checklist print this paper off and go through the checklist before hiring someone to stage your home.
Staging Tips a short booklet by Michelle Vermuele on doing some self staging.

Introducing the Re-Arrangers! from Matthew Jeschke on Vimeo.

More information

Call Michelle at (520) 358-1431 / [email protected] and make SURE to get your staging off on the right step. She’ll either (1) provide you a private consultation to stage with your own furnishings or (2) assist with a listing package complete with all custom matched staging & furniture.