Funny to see someone on a blog claiming inventory is loading up in Phoenix.Active listings (excluding under contract listings) right now are 20,037 vs. 22,587 last year - Down more than 11%.

Within a month I got the volume down by 90%It is my understanding if a business is advertised then biz number is excluded from the do not call list requirements. 

Just cosmetic upgrades  excluding major appliances as well which are easy to find out. 

Policy scope: Look for an "open perils" policy, which covers losses except those specifically excluded, rather than a "named perils" policy, which covers only the losses mentioned in the policy. 

  ( Wenatchee excluded)

Below you'll find some of the information contained in the proposal.Property Coverage:Terms/Conditions: special Form: Excluding Flood/ EarthquakeReplacement Cost: Buildings & Personal Property - No coinsurance.Actual Loss Sustained: Loss of rents-extended business income for 90 days.Actual Cash Value: Applies to wind/hail claims on existing roof coverings over 15 years of age and older.Deductibles: $10,000: AOP per occurence$25,000: Per location, per occurence for wind/hail/ hurricane$10,000: Equipment breakdownNONE: Loss due to fire which emanates from a permanently attached cooking surface.Exclusions: Pollution & contamination, asbestos, earthquakeMold, mildew & fungusFlood is excluded - Earthquake is excluded.Wind/hurrica/hail/floodCosmetic damagesI just realized that it is too much information to write onto a forum post - it wouldn't make much sense.

. :)Edited:Well, I was right, and, IMO that guy exaggerates the impact, real estate is excluded in part, and it was applicable to gift transfers.

Insist that the tenant get tenant/rental insurance that does not exclude any breeds (State Farm is one).

A little about myself: Currently started working for Chase (excludes me from buying short sales or any distressed Chase owner properties unfortunately) in Louisiana after graduating from LSUS with a degree in financial analysis.

However, the homeowner has a contractual obligation with the realtor and the homeowner can't arbitrarily exclude the realtor and work out a deal with you.