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Independent Agent Magazine

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Builders Risk vs. Homeowners Endorsements for Luxury Home Renovation https://www.iamagazine.com/strategies/builders-risk-vs-homeowners-endorsements-for-luxury-home-renovationBuilders Risk vs. Homeowners Endorsements for Luxury Home Renovation A client is planning a $400,000 house renovation. Would a builders risk policy be the best option to cover the renovation, or are there specific ISO homeowners endorsements that can be added? 2/12/2025 5:00:00 AMHomeownersHomeowners Builders RiskStrategiesBig “I” Virtual University Faculty
Building Resilient Homes While Keeping Homeowners Coverage Up to Datehttps://www.iamagazine.com/markets/building-resilient-homes-while-keeping-homeowners-coverage-up-to-dateBuilding Resilient Homes While Keeping Homeowners Coverage Up to DateIt's important that homeowners who undertake home improvements talk to their agent about what they're planning to do or what they have done to better understand how that affects their insurance premiums and coverage. 2/10/2025 11:20:00 AMHomeownersHomeownersMarketsOlivia Overman
From the Front Lines: Homeownershttps://www.iamagazine.com/markets/from-the-front-lines-homeowners_Kimble 25From the Front Lines: Homeowners"A home is a major financial investment for most people and if something bad happens to it, inadequate insurance can ruin their financial lives," says independent agent Kelley Kimble. "As a homeowner myself, the adequacy of the policy is the greatest factor in my purchasing decision."2/10/2025 11:10:00 AMHomeownersHomeownersMarketsOlivia Overman
Does a Homeowners Policy Cover a Volunteer Fire Chief for Liability?https://www.iamagazine.com/strategies/does-a-homeowners-policy-cover-a-volunteer-fire-chief-for-liabilityDoes a Homeowners Policy Cover a Volunteer Fire Chief for Liability?The fire chief is a volunteer, and while volunteer activity is included in the policy, the agent believes that the position would still be excluded as a professional service.1/24/2025 5:00:00 AMHomeownersHomeownersStrategiesBig "I" Virtual University
Historic Houses: The Modified Functional Replacement Cost Loss Settlement Endorsementhttps://www.iamagazine.com/strategies/historic-houses-the-modified-functional-replacement-cost-loss-settlement-endorsementHistoric Houses: The Modified Functional Replacement Cost Loss Settlement EndorsementSometimes, policies with this endorsement are the only ones available to clients, including those with high-value historic homes. What is an appropriate disclaimer to explain this?1/17/2025 5:00:00 AMHomeownersHomeownersStrategiesBig "I" Virtual University
4 Things Homeowners Clients May Need to Update in 2025https://www.iamagazine.com/strategies/4-things-homeowners-clients-may-need-to-update-in-20254 Things Homeowners Clients May Need to Update in 20252025 is set to be a year of significant change with shifting markets and evolving weather patterns, making it more important than ever to ensure your homeowner clients are adequately protected.1/8/2025 12:00:00 PMHomeownersHomeownersStrategiesRachel Switchenko