Beach Home Insurance

Writing insurance in the Coastal areas of the United States always seems to present more of a challenge to a great number of agencies. It takes a great agent who works with many insurance carriers to propose a good final insurance quote.

Insuring Homes on Islands, Beaches, or Bays:

Writing insurance in the Coastal areas of the United States always seems to present more of a challenge to a great number of agencies.  It takes a great agent who works with many insurance carriers to propose a good final insurance quote.

Some usual questions that will arise are:

What is the occupancy of the home going to be?
-Second Home 
-Rental / Second Home
-Full time rental

It can make a significant difference in the availability of polices if the owners are only using the property and not renting the home. This may seem like Basic 101 Insurance but we can assure you these are not basic to the consumer. 


Who will the insured be?
-Individual
-Corporation
-Trust or Estate

When dealing with the insured on the normal basis and paying out claims if applicable, depending on how many layers of approval can slow down the process of getting the information or money to the needed insured.


What kind of deductible is avaiable?
-All Other Peril
-Wind / Hail
-Hurricane
-Named Storm

Will Flood coverage be needed?
Flood damage, however, is covered only if a separate flood insurance policy was purchased, generally from the National Flood Insurance Program or from a private company.

For a quote or other questions please feel free to give me a call.

Michael Fillers, CPIA, NFIP 
Morris Insurance Agency, LLC

3032 Dauphin Square Connector

Mobile, AL 36607

D.251-473-5119/F.251-473-6301/C.251-753-8011

Email: mjfillers@morrisinsmobile.com

Web: www.MichaelFillers.com 

How I met JESUS in the flesh and HE saved me:

WRITTEN - http://mjfillers.blogspot.com/2014/09/how-i-met-jesus-and-he-saved-me.html

AUDIO - https://soundcloud.com/michael-fillers/michael-fillers-testimony-hot-dogs-at-the-hank-05-14-2015

AIRBNB Homes Insurance or AIRBNB's Insurance

Does your Home Insurance cover AIRBNB? AIRBNB Homes Insurance or AIRBNB's Insurance While Airbnb offers Host Protection Insurance. This policy provides you with up to $1 million of coverage against third-party claims of bodily injury or property damage, this is different from the Host Guarantee. Host Guarantee offers up to $1 million in coverage for damages to your personal property or the home itself.

KEY TAKEAWAYS -Being an Airbnb host can help generate extra income and utilize otherwise empty residential space - but what if something happens to your property? -Airbnb does offer up to $1 million of its own coverage per rental, but that may not cover everything, and making a claim can be complicated. -Most standard homeowners insurance policies exclude short-term rentals. -Several specialty policies are now being offered that help insure against the unique risks posed by short-term rentals.

The Bottom Line It’s vital that you do your research before jumping on the home-sharing bandwagon. If you’re renting out your home on a consistent basis, for example, your insurance company could drop you as policyholder if it considers that to be business activity. Even if you’re renting your home just once, you can’t afford to jeopardize your coverage. Talking to your insurance company about what is and isn’t included in your policy can help you determine what’s needed to fill the gaps.

Give me a Call TODAY if you would like to discuss AIRBNB Insurance further. GOD BLESS...Michael Fillers.... 251-753-8011 Some or all information above may have been sourced from the below links... https://www.airbnb.com/help/article/296/how-does-homeowners-insurance-work-with-airbnb https://www.airbnb.com/d/host-protection-insurance https://www.investopedia.com/articles/insurance/120816/does-your-homeowners-insurance-cover-airbnb.asp

Does your Home Insurance cover AIRBNB?

Does your Home Insurance cover AIRBNB? AIRBNB Homes Insurance or AIRBNB's Insurance While Airbnb offers Host Protection Insurance. This policy provides you with up to $1 million of coverage against third-party claims of bodily injury or property damage, this is different from the Host Guarantee. Host Guarantee offers up to $1 million in coverage for damages to your personal property or the home itself.

KEY TAKEAWAYS -Being an Airbnb host can help generate extra income and utilize otherwise empty residential space - but what if something happens to your property? -Airbnb does offer up to $1 million of its own coverage per rental, but that may not cover everything, and making a claim can be complicated. -Most standard homeowners insurance policies exclude short-term rentals. -Several specialty policies are now being offered that help insure against the unique risks posed by short-term rentals.

The Bottom Line It’s vital that you do your research before jumping on the home-sharing bandwagon. If you’re renting out your home on a consistent basis, for example, your insurance company could drop you as policyholder if it considers that to be business activity. Even if you’re renting your home just once, you can’t afford to jeopardize your coverage. Talking to your insurance company about what is and isn’t included in your policy can help you determine what’s needed to fill the gaps.

Give me a Call TODAY if you would like to discuss AIRBNB Insurance further. GOD BLESS...Michael Fillers.... 251-753-8011 Some or all information above may have been sourced from the below links... https://www.airbnb.com/help/article/296/how-does-homeowners-insurance-work-with-airbnb https://www.airbnb.com/d/host-protection-insurance https://www.investopedia.com/articles/insurance/120816/does-your-homeowners-insurance-cover-airbnb.asp

How to find out if my home is in a flood zone / Is my home in a flood zone?...

 How to find out if my home is in a flood zone / Is my home in a flood zone?...

GO HERE  and put in your address...

https://msc.fema.gov/portal/home

The Flood manual can be found here....

https://www.fema.gov/flood-insurance/work-with-nfip/manuals#flood-insurance

For quotes or questions please give me a call.

Thanks

Michael Fillers, CPIA, NFIP
Morris Insurance Agency, LLC

3032 Dauphin Square Connector

Mobile, AL 36607

D.251-473-5119/F.251-473-6301/C.251-753-8011

Email: mjfillers@morrisinsmobile.com

Web: www.MichaelFillers.com

 

How I met JESUS in the flesh and HE saved me:

WRITTEN - http://mjfillers.blogspot.com/2014/09/how-i-met-jesus-and-he-saved-me.html

AUDIO - https://soundcloud.com/michael-fillers/michael-fillers-testimony-hot-dogs-at-the-hank-05-14-2015

 

Matt 24:46-47-"Blessed is he whom his master will find at work when he arrives. Truly I tell you, he will put that one in charge of all his possessions."

This message contains confidential information and is intended only for the individual named. If you are not the named addressee you should not disseminate, distribute or copy this e-mail. Please notify the sender immediately by e-mail if you have received this e-mail by mistake and delete this e-mail from your system.”

30A Beach Insurance

 30A Beach Insurance

Insuring Homes from Miramar to Inlet Beach along 30A as well as other nearby Beach or Island Homes:

Writing insurance in the Coastal areas of the United States always seems to present more of a challenge to a great number of agencies.  It takes a great agent who works with many insurance carriers to propose a good final insurance quote.

Some usual questions that will arise are:

What is the occupancy of the home going to be?
-Second Home 
-Rental / Second Home
-Full time rental

It can make a significant difference in the availability of polices if the owners are only using the property and not renting the home. This may seem like Basic 101 Insurance but we can assure you these are not basic to the consumer. 

Who will the insured be?
-Individual
-Corporation
-Trust or Estate

When dealing with the insured on the normal basis and paying out claims if applicable, depending on how many layers of approval can slow down the process of getting the information or money to the needed insured.

What kind of deductible is avaialble?
-All Other Peril
-Wind / Hail
-Hurricane
-Named Storm

Will Flood coverage be needed?
Flood damage, however, is covered only if a separate flood insurance policy was purchased, generally from the National Flood Insurance Program or from a private company.

For a quote or other questions please feel free to give me a call.

Michael Fillers, CPIA, NFIP 
Morris Insurance Agency, LLC

3032 Dauphin Square Connector

Mobile, AL 36607

D.251-473-5119/F.251-473-6301/C.251-753-8011

Email: mjfillers@morrisinsmobile.com

Web: www.MichaelFillers.com 

How I met JESUS in the flesh and HE saved me:

WRITTEN - http://mjfillers.blogspot.com/2014/09/how-i-met-jesus-and-he-saved-me.html

AUDIO - https://soundcloud.com/michael-fillers/michael-fillers-testimony-hot-dogs-at-the-hank-05-14-2015

Alys Beach Insurance

Alys Beach Insurance 

 Writing insurance in the Coastal areas of the United States always seems to present more of a challenge to a great number of agencies.  It takes a great agent who works with many insurance carriers to propose a good final insurance quote.

Some usual questions that will arise are:

What is the occupancy of the home going to be?
-Second Home 
-Rental / Second Home
-Full time rental

It can make a significant difference in the availability of polices if the owners are only using the property and not renting the home. This may seem like Basic 101 Insurance but we can assure you these are not basic to the consumer. 

Who will the insured be?

-Individual
-Corporation
-Trust or Estate

When dealing with the insured on the normal basis and paying out claims if applicable, depending on how many layers of approval can slow down the process of getting the information or money to the needed insured.

What kind of deductible is available?
-All Other Peril
-Wind / Hail
-Hurricane
-Named Storm

Will Flood coverage be needed?
Flood damage, however, is covered only if a separate flood insurance policy was purchased, generally from the National Flood Insurance Program or from a private company.

For a quote or other questions please feel free to give me a call.

Michael Fillers, CPIA, NFIP 
Morris Insurance Agency, LLC

3032 Dauphin Square Connector

Mobile, AL 36607

D.251-473-5119/F.251-473-6301/C.251-753-8011

Email: mjfillers@morrisinsmobile.com

Web: www.MichaelFillers.com 

How I met JESUS in the flesh and HE saved me:

WRITTEN - http://mjfillers.blogspot.com/2014/09/how-i-met-jesus-and-he-saved-me.html

AUDIO - https://soundcloud.com/michael-fillers/michael-fillers-testimony-hot-dogs-at-the-hank-05-14-2015