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Home Insurance vs Home Maintenance

Hey Marty Johnson here with JMW Insurance Solutions with a quick tip here so home insurance. Home insurance is designed for catastrophic losses, it's not a home warranty program so you must do your due diligence for normal wear and tear. You need to inspect your house. Check your roof and make sure that the normal wear and tear is being taken care of so when you file a home insurance claim they can't say it's normal wear and tear. I know, we pay are ...

ATV Insurance Difference Between Stated Amount and Actual Cash Value

Hello. Marty Johnson, JMW Insurance Solutions. As summer comes to an end, the desert and the dirt is starting to call some of our names. So I wanted to talk to you a little bit about an important part of coverage for your rides that we take out in the desert. So you have replacement cost value or actual cost value, and you have a stated amount coverage on your insurance for your side by side, ATV, buggy, sand rail, whatever you have. Those two ...

Auto and trailer tools when traveling

Marty Johnson: Hello, Marty Johnson, JMW Insurance Solutions checking in with you from Lava Hot Springs, Idaho coming back from Yellowstone. Hey, I got the travel trailer hooked up to the truck. And like anything can happen. We had a blowout tire on the trailer. So I pulled to the side of the road, and you know waiting for AAA, if you have AAA. Waiting for a tow service, if you have a tow service. Or replace the tire. If you're going to replace the ...

Can Homeowners Insurance Be Included In Closing Costs?

Marty Johnson: Hello, Marty Johnson, JMW Insurance Solutions, here to answer the question, “Can homeowners insurance being included in your closing costs?” Yes, it can. First time buyers are buying a home, they’re going to want to make sure that you have one year of homeowners insurance paid for, so that they’ll include that in your closing costs, and go from there. For refinancing, they definitely want to make sure that you have at least six months, maybe some will go down to ...

Can Homeowners Insurance Cover Water Damage? Can Homeowners Insurance Cover Water Damage?

Marty Johnson: Hello. Marty Johnson, JMW Insurance Solutions. Can homeowners insurance cover water damage? It depends on the source of the water. Damage from outside of the house, the water comes rushing in through the doors or something like that, typically not going to be covered unless you have certain types of endorsements or policies for that. But on a typical HO 3 homeowners policy, if your water heater breaks, and floods your hallway or that kind of thing, that typically is covered. Pipes break inside ...