What I need for a Homeowners Insurance Quote:

Year Built: Most insurance companies need to know what year your home was built.  The age of your home affects the type of risk it is for an insurance company to insure.  A lot of insurance companies also offer discounts on newer homes.For instance, Farmers Insurance offers a “New Home Discount” on homes that were [...]

Are Vacant Homes in Grand Rapids Insurable?

You’re thinking about purchasing a vacant property and renovating some of the rental units, or you have a vacant home you can’t seem to sell.  The trouble is that many insurance companies offer little or no vacant coverage. 
You may even have the home insured the same way when someone was living there and taking [...]

Reconstruction Cost vs. Market Value On A Home Purchase

When it comes to insuring your home, make sure you know the difference between insuring by the Reconstruction Cost versus insuring by the actual Market Value.  The reconstruction cost is the amount it would cost to actually rebuild your home if there was a total lost.  The Market Value is what you bought the home [...]