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Dwelling Insurance Explained

What is Dwelling Insurance?

Welcome back to Harry Levine Insurance on YouTube. I’m Jason Levine and I’m here to talk to you today about dwelling fire insurance.

 

What is Dwelling Insurance?

A lot of people don’t know the difference, nor should they, between homeowners coverage and dwelling fire insurance. The two types of policies are actually very, very similar; the principle difference is in the design.
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The Importance of Vacant Home Insurance

The Importance of Vacant Home Insurance

There’s a big difference between “vacant” and “unoccupied” homes. Most homeowners don’t know the difference. But insurance carriers do.

Keep reading to see if you need vacant home insurance and why it’s so important.

Insurance companies really hate unpredictable risk.

After all, “unpredictable risk” means “unpredictable claims.” And “unpredictable claims” make naming the right price very hard. Remember, the insurance company needs to be able to pay out to you and cover its own costs!

When risk is predictable, the insurance carrier can charge you reasonable premiums and pay out on claims. But getting insurance for a vacant home makes risk a lot more unpredictable.
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Business Interruption Insurance and Covid-19

To Our Fellow Business Owners,

First and foremost, please accept well-wishes from the entire Harry Levine Insurance family. I’d like to get right to the point: You have questions, and we’re fighting to make sure we have answers. Please see the FAQ below, and know that you can call us anytime with any questions. We’re working remotely, but our ENTIRE team is here for you. We have amended business hours to 9:30am – 4:30pm, Monday through Friday to help our team fulfill their childcare and other personal responsibilities as they work form home. We currently intend to resume our normal operations on Monday, March 30th only if it is safe to do so.

If you are open for business, let us know and we can spread the word via our social media sites! We are here to support you any way that we can. Be sure to follow us on Facebook.

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What is a Hard Insurance Market (& What Can You Do About It)?

What Is a Hard Insurance Market (& What Can You Do About It)?

Have you started seeing higher insurance premiums with less coverage?

A hard insurance market is likely to blame. (And the bad news? It’s just getting started.)

 

From a layperson’s point of view, your insurance policy can appear pretty nebulous. An underwriter puts your data into a computer, calculates a few algorithms, gazes into a crystal ball, reads some tea leaves, writes down the last number they dreamed about, and that’s your premium amount.

Wait…is that not how it works?
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Coronavirus Update: Working Remote

Despite these extreme times Harry Levine Insurance encourages you to keep calm and carry on!

We have decided to fully close our offices until at least March 30th per U.S. Federal Government guidance.

OUR ENTIRE TEAM IS WORKING REMOTELY AND IS READY TO HELP YOU BETWEEN 9:30am – 4:30pm. Phones will be unattended for lunch from 12- 1pm.

Latest Articles On The Coronavirus


3/20/20 — Business Interruption Insurance and Covid-19/

10 Life Insurance Myths (Debunked!)

There’s a lot of misinformation surrounding life insurance. We want to set the record straight.

Let Harry Levine Insurance debunk 10 common life insurance myths so you can make an educated decision about your insurance needs.

Nobody likes to think about their own mortality, which is probably why no one likes to think about life insurance.

Which is unfortunate, because life insurance is one of the most useful policies you can buy.

Think about it: you hope you never have to file a claim on your home or auto insurance, but there will come a time when that life insurance policy pays out. Doesn’t it make sense to understand life insurance a little bit more?
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Farmers vs. Auto-Owners

Farmers vs. Auto-Owners

Welcome back to another insurance mega-company showdown! This time, we’re taking a closer look at Farmers and Auto-Owners, two of the largest insurance providers in the country.

Both corporations had humble beginnings, Vern Moulton and four associates founded Auto-Owners in Lansing, Michigan (with one policyholder and under $200 in premiums) just 14 years before John C. Tyler and Thomas E. Leavey put up their own money and literally traveled farm to farm, offering their first policies. Through the Great Depression, the insurance industry served as a beacon to commerce and personal security, leading both companies to a strength in personal lines and business insurance offerings. 

Aligned closely through history, here are some additional metrics to explore the differences in what each corporation brings to the table for their customers:
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5 Things You Need to Know About Home Insurance

Whether you’re a first-time homebuyer or you’ve owned your home for 50 years, you might still have a lot of questions about home insurance. Hey, I get it! Insurance can be confusing and overwhelming.

But, if you own a home, you should understand your home insurance coverage. In this video, I’ll go over 5 things you need to know about home insurance to bring you one step closer to total insurance mastery!
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What Is a Wind Mitigation Inspection?

What is a Wind Mitigation Inspection?

Wind mitigation inspections do more than give Florida homeowners peace of mind.

Find out how a quick wind mitigation inspection can help lower your insurance premiums.

Floridians are well-versed at protecting our homes from hurricane-related wind damage. We secure doors and windows, fill up sand bags, and clear our yards of loose debris.

But most people forget about the biggest area of protection for their home: the roof.

Your realtor or home inspector might have recommended that you get a wind inspection, but what is it? And—more importantly—why is it so important?
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Farmers vs. Travelers

Farmers vs. Travelers

Both Farmers Insurance Group and The Travelers Companies are impressive Fortune 500 companies with huge assets, market caps, and tons of employees.

In fact, Farmers employs about 12,700 employees with about 48,000 exclusive and independent agents, ranking in the top 300 companies on the Fortune 500. Travelers is 106th company on the 500 with 30,400 employees, and bragging rights as the second-largest writer of U.S. commercial property casualty insurance. Those are just some of the facts.

Now, let’s line them up, side-by-side:
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