How should you select the right insurance?

Asked by Trulia Orlando, Orlando, FL Fri Nov 16, 2012

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Suzanne Ogden, Agent, Longwood, FL
Sat Nov 17, 2012
In view of the fact that there are many types of insurance, (auto, home, flood, premises liability, life, health, etc., etc.) lets assume that your question pertains to "Homeowners "or "Condo" insurance (for the owner occupied property) or "Dwelling Fire" insurance (for the tenant occupied property). Some real estate professionals including mortgage consultants, usually know of several reputable licensed insurance professionals to whom they may recommend to their customers. Just as mortgage lenders have underwriting guidelines, so do insurance companies. The property may require "Flood" insurance and this can take some time to get a quote and it may be costly. It is best for the buyer to shop for their insurance needs early in the buying process, rather than later so they can include this expense into their housing budget.

Also, let's not forget "Home Warranties" which many real estate brokers/agents recommend to the
home buyers.... this is also a form of insurance and the real estate professional needs to be able to provide their customers with some basic information as to the difference between this type of insurance v.s. property insurance (as indicated above).

Suzanne Ogden
Real Estate Consultant
ABES Realty, Inc.
(407) 234-1098
2 votes
Great answer, thanks! I've been having a hard time finding really good insurance in Calgary, but hopefully I'll find someone good soon. :)
Flag Wed Feb 13, 2013
Carl Head, Agent, Orlando, FL
Sat Nov 17, 2012
Rock, papers, scissors....or flip a coin.
0 votes
Alan Martin, Agent, Orlando, FL
Sat Nov 17, 2012
Simple talk to an insurance agent. IF you need help finding one then l have a list for those around Orlando
0 votes
Mark LeMenag…, Agent, Lake Nona Orlando, FL
Fri Nov 16, 2012
You talk to a professional insurance agent. NEVER take the advice of a Realtor for insurance. We may have opinions, but insurance is not our profession.
0 votes
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