Posts Tagged ‘business’

What is it REALLY worth?

This week, Tom & Matt discuss how things are valuated when it comes to home/mobile home/auto/cycle/watercraft insurance. They will reveal the difference between Replacement Cost/SEV/Market Value when it comes to your home. Visit them online at

Listen to the podcast HERE

Property Claim Expectations, pt 2

This week, Tom & Matt finish their discussion on the expectations to have when turning in a property claim on your home/condo/renters insurance. Matt had mentioned a few home inventory websites/apps to check out:

Home Inventory Checklist – available in .pdf, word, or excel format

Home Inventories – available in .pdf, also there is an iPhone & an Android app

Home Inventory Video – an app for iPhone/iPad 2/iPod Touch 4th gen, take video as well as mark down items in each room.

SureSafe Home Inventory – another app for iPhone/iPad 2/iPod Touch 4th gen, fill out your inventory and email

Listen to the podcast HERE

That’s Personal, Liability – pt 1

This week, Tom & Matt start a discussion on Personal Liability Insurance. Ever wonder what this coverage does? What it covers? You’ll find out in part one of this podcast! Visit them online at for more information on getting the coverage you need at a price you can afford!

Listen to the podcast HERE

Here’s a summary of what was discussed on today’s program:

The Personal Liability coverage on your homeowners policy will cover claims/suits brought against an insured for bodily injury or property damage. The insurance company will pay up to the limit of liability on the policy for damages of which the insured is legally liable for. The insurance company will also pay for defense using their chosen counsel, even if the suit is groundless. The insurance company also reserves the right to settle & their duty to defend stops when a settlement is made or the limit of liability is reached.

– Intentional/criminal acts are not covered

– Business activities are not covered (unless it falls under the Incidental Owned Business Activies definition)

– Rental of home or property by an insured (there are exceptions)

– Failure to provide/rendering of professional services (you need to purchase Professional Liability coverage)

– Owned residences/residences held for rental to others is not covered (some companies do offer a liability extension for this)

– Motor vehicles are not covered (with exceptions such as parked trailers & golf carts used on golf courses)

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Additional Homeowners Benefits = BONUS!

This week Tom & Matt talk about some additional homeowners benefits that are added at no extra charge by some insurance carriers. Visit Marsilje Insurance – Holland’s Hometown Agency online at!

Listen to the podcast HERE