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How to know what form of policy you need.
Home/condo/renter insurance policies come in forms known as for “HO-1 to HO-6 forms”. An HO form number is used designate the way the insurance contract is written for a common exposure under each states insurance regulations. It’s a way for the consumer and insurance industry to know and compare what the common benefits, exposure or…
Read MoreHomeowners Insurance State by State
While a large portion of your Insurance policies are similar for a home, condo, or renters, each state has it’s own unique concerns. Coastal areas like Florida are costly and tricky to insure against wind storm exposures. States along the earthquake areas like California, Arizona Earthquake is more difficult and here in the Midwest Flooding…
Read MoreHow does service line coverage work?
As the homeowner, you’re on the hook financially for subterranean lines or pipes running through your property; if your water pipes crack or your power line is severed, it’s your responsibility to fix. Standard homeowners insurance typically won’t cover broken utility lines, but homeowners have a couple of options for ensuring this potentially expensive home…
Read MoreGiving Pets As A Gift? Consider This Alternative!
This article is not about how to select a pet. It’s about spreading goodwill or helping an innocent loving pet that became unwanted. It’s about alternatives to buying pets when giving pets as a gift. This time of year, the months after the holidays are very difficult for gifted pets. Often they become casualties. An…
Read MoreWhat insurance do you need to buy for your vacation home, secondary home, or condo? (Part 2)
Read Part #1 Here Buying insurance for that additional residence can be simple to complex depending on when, how often, who occupies it, and who legally owns it. I will briefly cover some areas of concern you need to think about. Last month I explained the basic kinds of insurance for owner-occupied personal residential habitational…
Read MoreWhat insurance do you need to buy for your vacation home, secondary home, or condo?
More and more people are buying second homes. Some are for personal use, vacation, snowbirds, others might be for investment, Airbnb or children away at school. All of these have their own list of complications. Buying insurance can be very simple to complex depending on how it will be used. When, how often, who…
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Welcome to Bob Korvas Agency! Please check back for future articles and information.
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