TheGannAgency

What Kind Of Dog Does My Homeowners Insurance Allow

Posted by Nick Gann

Apr 16, 2015 9:42:46 AM

I've never been in favor of having a dog. I like dogs. As a kid I grew up with dogs. But now that I'm older, I didn't want to deal with dog hair, barking, and ticks & fleas. Until I found Kora. She's half lab and half red hound, and is the absolute best dog I've ever seen. And we rescued her from the pound.

The pound was full of cute dogs. Big, loud, barking dogs, but cute. Most of them. There were several my family liked, but as an agent with a home owners insurance policy, I knew which dogs had no chance with me. The truth of the matter is even though all dogs may go to heaven, they shouldn't all go home with you. There are some serious repercussions for owning a dog that bites.

more

Should Homeowners Insurance Affect Which Home I Buy?

Posted by Nick Gann

Apr 6, 2015 5:11:50 PM

Homeowners insurance should not only affect which home we buy, but should come into play long before we ever start looking. You understand where I'm coming from if you've ever got your hopes up only to have the wind taken from your sails, or got in over your head. That's exactly what can happen when you find your dream home, and then learn it has some characteristic that creates a high insurance premium. Here are 3 very important factors we should be aware of up front.

more

4 Key Factors Determine Homeowners Insurance Rates

Posted by Nick Gann

Feb 23, 2015 2:50:43 PM

I'm a homeowner myself, and my rates increase just like everyone else. The difference seems to be that I know how and why the premium changes. The issues arise when we don't understand. That's a call I get often - I've made no claims, why did my rates go up? OR Why are all homeowners insurance quotes extremely high? Well, there are 4 key factors that determine home insurance rates.

more

A Stress-Free Homeowners Insurance Claim Process

Posted by Nick Gann

Feb 18, 2015 3:26:00 PM

It's our most expensive purchase. Our largest asset. And it survives almost every storm. Yet, the minute we have damage to our home, we lose our mind. We get emotional and can't see the forest for the trees. I know, I've been there. But I've learned the process, and I no longer let the home insurance claims process stress me out.

more

Thanks To Homeowners Insurance I Have An Escrow Shortage

Posted by Nick Gann

Feb 10, 2015 3:01:00 PM

I'm not sure what's more frustrating; my house payment going up, or trying to find out WHY it went up. We've all got the statement in the mail saying our payment will increase in 30-60 days. And it's always the same reason - escrow shortage. OK, 2 things - one, what the heck does escrow even mean, and two, how or why is is short?

more

Affordable Auto Insurance With Bad Service

Posted by Nick Gann

Jan 27, 2015 11:00:15 AM

I love my wife! I really do, but bless her heart, she is a sucker for a cheaper price. Just this morning I caught myself complaining in my head. I was using something that didn't work well. My immediate thought was "she bought the cheapest one on the shelf".

more

We Can't Just Hang A Shingle, We Have To Be The Shingle

Posted by Nick Gann

Dec 28, 2014 8:43:07 AM

I have a fairly keen eye for businesses that won't make it. I see them open a storefront for their boutique, cookies, or party supplies, and the next month they're gone. They were only able to afford one month's rent. They expected overnight success. They expected to 'hang out their shingle' and business would flock to the door. It doesn't work that way.

more

Maintaining The Most Affordable Home Insurance

Posted by Nick Gann

Oct 29, 2014 12:30:37 PM

We tend to get frustrated with high insurance premiums, or premiums that increase year after year. I'm included in those who get frustrated. However, I do understand why it happens, why they go up. But insurance is a weird beast. weird because we need it in the event of a catastrophe. Beast because that's also the only time we care about it. It reminds me of a colonoscopy - it's uncomfortable, they rarely find anything, and it's imperative to have done.

more

Board Members Need Liability Insurance

Posted by Nick Gann

Oct 22, 2014 6:56:29 AM

If we only knew what questions to ask. Questions like: "If I let you work on my car, and you blow the engine, how are you going to pay for it?" or "What happens if your kid hurts himself on my trampoline?" or "What if the mom of one of those kids sues the board of directors of the boys & girls club?" Ooooh! That's a good one! Think about all those children... and the workers that are hired. Think about all the liability...

more

Liability Insurance That Doesn't Pay

Posted by Nick Gann

Sep 18, 2014 7:03:17 AM

Why is it that we put forth so much effort in buying a car or a house, yet very little effort in the insurance that protects those investments? The answer is simple, and we rarely realize we're doing it. When is the last time you said "screw it, I'm tired of looking, this will work!" or "this is good enough"? I do it too often.

more
   

Subscribe to Email Updates

Recent Posts

Categories