All Forum Posts by: Kevin Koone

Breno,

Lots of carriers write in TX but I think all at least have a 1% wind/hail deductible which is tough.  I'm not sure who you got the quote from but let me know if I can help you.

Cost about $13/year here to go from $500 to 1mill.  Worth every penny.

I'm not sure about OH laws, etc but here trees are a problem because even if it's your neighbors tree while it's alive and "up" if it falls it's actually the responsibility of whomever owns the property it falls on.  Now, most of the time good neighbors help out, etc.  BUT here if a limb hangs over your property you're legally allowed to trim that over your property line whether or not the "owner" approves.

It's tough on Mobile homes b/c they do depreciate even with upgrades.  Foremost is our Go-To carrier also, but there are some others out there BUT the replacement cost limits will be noticeably lower. 

Seth, if you still need help let me know.  AO is one of my main carriers!

@Julie McCoy I sent an email in today.  Is that my best way to connect with Avery and the team?

Thanks!

Hey guys, I know this post will give me more answers than I can handle but I would like to be put in touch with a realtor in the Smokey Mountains to start looking at some STR options. Thanks in advance.

Sorry, to confuse the subject.  OF COURSE if the loss happened before the 60 day time frame it would be covered.  Didn't realize that was such a sticking issue here :).

Alfred, If you go that route make sure you're still getting all the coverages you need that may have been included on your DF policies.  Also make sure you're not "sharing" a liability limit for all the units.