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10 November 2021 | 14 replies
I like the glamping idea in conjunction with a pumpkin patch, hay bale rides, haunted maze, or whatever you want to do with it.
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30 October 2021 | 1 reply
Now the trick is to ride the momentum into the next!
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2 November 2021 | 58 replies
Enjoying this ride for sure, just hope it keeps on churning.
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8 November 2021 | 11 replies
@Eric Lee Nation I did ins claims in another life for 14 years - I do not recommend that EVER as someone's employment but I did learn a few things.Here's 2 things agents or no one will tell you -- your Replacement value (RV) on the house is JUICED up way higher than what's realistic -- however you have a relatively inexpensive house so it's not much of an issue - but typically the reason they juice the RV is to get your wind/hail deductible higher -- typically 1%, 2%, 3%, 5% of RV is what your wind/hail deductible will be even if you had a $1k or whatever other deductible they offer for any other peril -- so follow me for a minute - you bought a rental for $150k -- they've juiced the replacement cost to $250k the most likely loss in KS or the midwest in general is going to be wind/hail --- the math actuarial nerds do this so the casino or the ins company in this case has the upper hand -- do the math what a 2% or 3% deductible on a $250k house will be -- I have a commercial building insd for over a million -- the lowest wind/hail ded they will give me is 5% -- the only reason I have ins at this point is I'm required to -- the wind hail coverage is worthless to me with as high as the deductible is.Anyways with that out of the way - ask your agent if you have a 3% option - at that RCV cost they figured of $99k that wouldnt be much different than the $2500 all perils coverage you have now -- Also I'd wager as someone mentioned dropping the med payments to others coverage -- it probably wont make a bit of difference in your policy cost -- I could be wrong - but I'd guess $25-50 dollars a year -- your coverage is the price it is due to the perceived wind/hail risk the company is putting on KS.I'm with Big Red and have been for a # of years -- your price to insure that house is on par with what I get from them for that replacement cost -- though i think State Farms game is a bit different they really jack up the Replacement cost so I have higher wind/hail deductibles -- I'd make out good if the house burnt down or a tornado destroyed it - but for a hail claim there wouldnt be much there.
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9 November 2021 | 11 replies
Being informed here will help you spot a bogus PM who is trying to take you for a ride.6.
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3 November 2021 | 1 reply
Property listings might claim a home is in a super-cool neighborhood, when, in fact, it’s like a bus ride away.
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4 November 2021 | 6 replies
From an insurance point of view, if the damage/issue was caused by a "covered cause of loss" (fire, water damage, lightning, sewer backup, wind, hail, etc.), then the tenant should have protection under their own renters policy to rent a hotel.
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6 November 2021 | 19 replies
(a) If a condition results from an insured casualty loss, such as fire, smoke, hail, explosion, or a similar cause, the period for repair does not begin until the landlord receives the insurance proceeds.
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21 November 2021 | 11 replies
Just think at 12 tires per year that's only $53 years and you would have gotten ride of them all for free lol!