All Forum Posts by: Owen Rosen

I appreciate all of the detail but what information was provided to the agent that wrote the policy?  What is on the insurance application that you signed?  Number of units, kitchens, etc.

If these things were disclosed it would seem that things should be OK.  If these things weren't disclosed that could be an issue.

Did you work with a licensed insurance agent to secure coverage?  What have you discussed with them?  Are they giving advice about the policy and inspection?  They should be...

If you didn't work with an agent - how did you secure coverage and what information was provided?

These are mostly rhetorical questions - your best resource should be your agent.

Are they doing a full interior inspection?

Just having an extra kitchen doesn't impact insurance eligibility.  It can affect estimated replacement cost and therefore the amount of coverage recommended/required.  

If you actually have a triplex rather than a duplex that could impact insurance eligibility and pricing but it doesn't sound like that's the case.

Along those lines, you just have to make sure sub-leasing is OK with your insurance. Can you talk to the agent that wrote the policy about this?

sent a DM

 Sent a DM

 You don't need to "max out" liability to qualify for an umbrella. You just need to have certain minimum underlying requirements per policy exposure.

I do agree that having $1 million in underlying coverage is not a sufficient reason to not consider an umbrella policy.

 What do you mean not everyone in your household is under your auto insurance?

sent a DM

 Sent a DM

Sent a DM

 Sent a DM