Check out my Partner Companies!

      Mr. HomeAuto is a licensed, authorized agent for Safeco, Liberty, The Hartford, Travelers and Progressive.  Each company has their own strengths so it is important that I get to know your unique situation to give you the best rates.  For example, Progressive has some killer rates on motorcycle insurance in Texas and Travelers has far better rates for Home insurance in Illinois.   If you've had an auto accident, Safeco may be the best suit for you and if you are a retired individual or live in the Northeast, The Hartford may have the best rates.

     All of my partners are rated A and better by A.M. Best for financial strength and stability.  Travelers was the first company to issue an auto-insurance policy and The Hartford has insurance documents signed by President Lincoln as he was one of their long-time customers.  Safeco has been recognized by J.D. Power and Associates for their customer call centers and service for 3 years running, and everyone knows Flo from the Progressive T.V. commercials.
     Let me show you which company works best for you! Call Jerry Goins at 877-50-MyHome ext 8481.

Is it too late to get Flood Insurance? Free Flood-zone Check Here

     The standard flood insurance policy comes with a 30-day waiting period.  In the insurance world, the waiting period is the amount of time that you have to wait after the policy is issued to be covered from any losses.  Flood is not covered under any standard home insurance policy!  If the local news says that a flood is coming, unfortunately it is probably too late to get flood insurance.  Luckily, FEMA (the Federal Emergency Management Agency) has stepped in and has created set pricing that insurance companies can charge for homes in preferred flood-zones.  The three preferred zones are B, C and X and have low to moderate risk of flood.  What zone are you in? Call 877-50-MyHome Ext 8481 and I will give you a free flood-zone determination.  I know a few places charge you up to $20 for what I can do for free.  Call today!

Market Value Vs Replacement Cost

     Why is the market value on my home going down but my replacement cost on insurance going up?  This is a very common question and a difficult concept for some of my clients to understand - let me explain:
     The market value of a home, in general, has nothing to do with the cost to rebuild.  In most cases, your home is built wholesale- meaning that the builder probably received an awesome rate per unit by purchasing materials (like lumber) in bulk.  The cost re-build your home without the wholesale rates on material will be different than what it was originally built for.  Many callers say that the coverage is too high, that they paid almost half of the replacement cost for their home.  This is understood and is normal in some areas.  Most insurance companies will re-build your home at a set price per square foot depending on where you are in the country; a good rule of thumb is that your coverage should be around $100/sqft.  I know in California that number is above $150/sqft and here in the south it may be as low as $90/sqft.
      I recommend shopping with me every 3 years or so, to see if your carrier is giving you the best rate for the replacement cost of your home.  Some carriers will calculate the replacement cost to be lower than others and you can get a better rate based off of those numbers alone.  The other side to that would be that sometimes you can get more coverage for a lower rate!  My office number is 877-50-MyHome Ext 8481, call to see what replacement cost I can come up with for your home.

Zero-Payout Claims Count!

     First of all, what constitutes a "zero-payout" claim?  Have you ever called your home insurance company and asked a question starting with: "Will my policy cover me if..."?  Well, even if your company didn't pay anything out, that simple question may be counting against you!  The same principle applies when you call the sheriff because your neighbors are having a loud party at 3am; even if there are no arrests or shots fired, they still have to do some form of paper-work. The reason this counts against you is because insurance companies want to limit you from what I call "poking and prodding" your policy every few months to see if you can get a pay out.  One $0-payout claim by itself probably won't hurt your insurance score, but that plus any regular claim may dis-qualify you from getting better rates so be careful what you call in for!
     Many of my clients have had this same problem.  When shopping with me for new insurance, they are surprised to find out that the claim that didn't pay out anything a few years back is on their claim history report.  Luckily, for them I have a partner company that does not count these kinds of claims!  I am so fortunate to have this company and they usually come out with the best rates.  Give me a call to see what I can do for you, 877-50-MyHome Ext 8481.
     My advice, if you have a question about a potential claim, is to call me, your agent.  I, by law, can not write policies and adjust claims; I have no way of starting a claim file against you but I can tell you if you have a potential claim on your hands.  Nice to know, huh?  If you can not reach me and have to call the insurance company directly, speak in hypothetical terms and avoid giving dates and specific information, that should help.

     I hope this will help you keep your insurance payments low and make you a more informed home-owner.

The Early Bird Gets the Best Rate!

      Many times, when shopping for home and auto insurance, you can save BIG or at least lower your down-payment by simply shopping early!  A month before your policy is set to re-new, shop your rates with me at HomeInsurance.com.  I can quote your home and auto with multiple top-rated companies and give you the early-shopping discount!  For the autos, I recommend getting the 12-month policy if you get the early-shopping discount, this will lock your rate in for a year instead of being re-rated every 6-months.

Call me toll-free at 877-50-MyHome (877-506-9466) ext: 8481 Jerry Goins!

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