Entries by Tosten

Rental Property Insurance Checklist

THE MUST-HAVE CONVERSATIONS WITH YOUR INSURANCE AGENT! INVESTMENT PROPERTY Proper Investment Valuation:  __________ The Coverage Form – DP3- What’s Covered:  __________ Loss Settlement Option for Home:  __________ Deductible:  __________ Water Backup of Sewer or Drains Coverage:  __________ Earthquake:  __________ Flood:  __________ Building Code Upgrade Coverage (Ordinance and Law):  __________ OTHER STRUCTURES Value of Other Structures […]

Rental Home Insurance Coverage Simplified

Insurance is complicated but understandable if broken down into small portions. That’s what we try to do. It’s rental home insurance coverage simplified, really! RENTAL HOME INSURANCE COVERAGE SIMPLIFIED… REALLY Let’s be real about the insurance purchasing process for investors. You know you need it or more likely your lender requires it, so you buy it. You […]

Mobile Home Insurance Partners

For Mobile Home Insurance, Gila Insurance Group LLC has partnered with American Modern Insurance Group and Foremost Insurance. We know it can be a headache searching for quality mobile home insurance at an affordable price, so we try to provide great options in one place. When it comes to our partners there are several things […]

Coverage C Personal Property Insurance

Personal Property Insurance is important, but often overlooked. What’s included in personal property? It’s what you put in the moving truck, or what would fall out of the home if you could pick it up and turn it upside down. Your clothes, furniture, electronics, toys, some appliances, and all the stuff in your garage. So […]


Understanding Comprehensive & Collision Coverage

Somewhere along the way people started asking for “full coverage.” Usually this coverage refers to what an auto insurance policy refers to as collision and other than collision (comprehensive). These are pretty straight forward so we will take a look at these coverage options together. Collision is defined as impact with another vehicle or object. Pretty straight forward, […]

How to File an Insurance Claim

HOW TO FILE AN INSURANCE CLAIM Insurance claims don’t have to be difficult. They are never going to be convenient, but they can go smoothly. Knowing what to expect is half the battle, and being proactive can help things move along. There are a few basic steps in the claims process. Preparing to call – Before you call to file […]


Home Insurance – Section 1 Exclusions

Understanding what’s not covered on your insurance policy lets you know what other insurance coverage you might need. Here are some of the BIG Exclusions. Section I Exclusions – A Soap Box What! Not everything’s covered? Not everything is covered. That’s the bottom-line. Something’s we can find coverage for, while for other things, we are […]

Homeowner’s Insurance Coverage A

Homeowner’s Insurance Coverage A is the part of the policy that covers the home or dwelling itself. That seems simple enough, but wait, there’s more. It also covers any structure that is physically attached to the building. By that it means that it can’t be connected by a fence or a utility line, but rather […]

As Seen on TV

According to Statista.com in 2017 GEICO Insurance company spent nearly 1.4 billion dollars on advertising. Progressive? 622 Million. State Farm? 521 Million, and so on and so forth. Those are some staggering numbers. Last week we lost a sale to someone who insisted on a “big name company”. It was a homeowner’s policy. We actually […]