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First Time Home Buyers Guide - Tips and Advice
 
24:19
This video is essential for every first time home buyer and it's a great refresher even if you've purchased a home before. From searching for a home to understanding the mortgage closing process this video will help you navigate the process like a boss! Want more? Our New Home Buyers Guide Workbook & Course will walk you through all 9 steps of the home buying process. Get them at https://www.newhomebuyersguide.net Here's an overview of everything in the video: Intro - 0:01 What You'll Learn 0:29 Fun Fact - 1:03 I've ABSOLUTELY been right where you are STEP 1 Apply for a Mortgage - 1:32 Get preapproved before you go house shopping STEP 2 -Make An Offer - 4:29 Price & Contingencies - Offer, Counter, Accept STEP 3 - Escrow Period - 7:07 Period between Accepted Offer and Closing - Secure A Mortgage - 8:08 - Home Inspection - 8:51 - Address Contingencies - 10:07 - Get Insurance - 10:38 - Closing - 12:32 Closing Costs - 13:27 Monthly Mortgage Payment - 15:45 - Principle - 16:30 - Interest - 17:00 - Escrow Account Contributions - 17:41 Rookie Mistake - 21:17 Outro - 22:28
Views: 363650 Shine Insurance
Term Life Insurance Explained
 
07:57
This video is the essential overview of Term Life Insurance. We address four topics: Death Benefit, Term, Face Value, & Beneficiary. It’s a quick and easy to understand overview of Term Life Insurance. Here's a breakdown of where each topic is: Intro: 0:00 What You'll Learn: 0:13 Death Benefit 0:28 What does Term Mean 0:55 Face Value 1:50 Beneficiary 2:42 Rookie Mistake 4:48 What We Learned 5:44 Other Shine Videos 6:14 Please Subscribe & Share 7:18 Want more from Shine? Our Channel – https://www.youtube.com/shineinsuranceguru Our Site - www.shineinsurance.com Our Blog - www.shineinsure.com/blog Our Podcast - www.scratchentrepreneur.com Our First-Time Home Buyers Course - www.newhomebuyersguide.net
Views: 7501 Shine Insurance
Home Appraisal - Answers to 8 Common Questions
 
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The home appraisal is a key moment in the home buying process that most people overlook. In this video, we explain and answer your most pressing questions. Our guest for this video is appraisal expert Bill Pfrommer The appraisal is Step #7 in our New Home Buyers Guide. Learn more here: https://www.newhomebuyersguide.net Here’s an overview of the video: APPRAISAL: A profession opinion of a home’s value. NOT AN INSPECTION QUESTION #1 WHAT’S THE DIFFERENCE BETWEEN AN INSPECTION & AN APPRAISAL? An INSPECTION is an in-depth analysis of the state of a home. Inspectors crawl in the crawlspace, climb into the attic. They analyse every detail of the home and tell you, the buyer, what issues there are. An APPRAISAL is a much more surface analysis of the home for the purpose of finding its value. #2 WHY GET AN APPRAISAL? Appraisals are ordered by the bank you’re borrowing money from. They want to make sure that they are investing a reasonable amount of money. In fact, the appraiser doesn’t report to you at all. They only report to the bank. However, YOU have to pay for the appraisal. #3 HOW IS THE VALUE FIGURED? Appraisers study a home’s value based on comparable homes close to it, its state of maintenance, what it would cost to replace, and may other market factors. #4 DOES THE APPRAISER KNOW THE SALE PRICE? Yes, the appraiser is required to know what a house is being sold for by looking at the purchase agreement #5 DO I HIRE THE APPRAISER? No, the mortgage lender will hire them #6 DO I SCHEDULE THE APPRAISER? No, the Appraiser will contact the seller or their realtor #7 DO I HAVE TO BE PRESENT FOR THE APPRAISAL? No, but you can attend if you’d like. Just understand that the Appraiser can’t tell you anything. #8 WHEN DO I PAY THE APPRAISER? The cost is a part of your closing costs. You’ll see it as a line item on your closing statement (which you should go over with your Mortgage Broker the day before closing). How to find Bill Pfrommer: [email protected] Want more? Our New Home Buyers Guide will walk you through all 9 steps of the home buying process. Get them at https://www.newhomebuyersguide.net Learn more about Shine: Our Site - http://www.shineinsurance.com Our Blog - http://www.shineinsure.com/blog Our Podcast - http://www.scratchentrepreneur.com
Views: 7433 Shine Insurance
Roof Claims Explained: ACV vs Replacement Cost Coverage
 
15:48
Are you experiencing damage to your roof because of wind or hail? Homeowners insurance companies often have confusing rules about these kinds of claims so we created a video that walks you through the process. We'll explain the possible coverage options and break down an example claim scenario. When the video is complete, you'll have a great idea of what to expect from your insurance company when dealing with a roof claim. Here are some highlights: WHY DO INSURANCE COMPANIES HAVE DIFFERENT RULES FOR YOUR ROOF? More than 40% of all homeowner’s insurance claims involve wind damage or hail damage to the exterior of a home. The vast majority of those claims involve the roof. That means insurance companies are motivated to limit their risk with specific coverage options for your roof. So they’ve created a completely separate name for the kind of damage that usually happens to your roof - Wind/Hail Coverage PEOPLE INVOLVED IN A ROOF CLAIM 1. You - Obviously 2. Roofing Contractor – The people that fix your roof 3. Insurance Adjuster – The insurance company representative that makes decisions and cuts checks STEPS IN A ROOF CLAIM 1. Get an estimate from a reputable, local roofer 2. File an insurance claim 3. Meet with Insurance adjuster TYPES OF WIND/HAIL COVERAGE 1. None At All 2. ACV Coverage – Pays less if your roof is older 3. Replacement Cost Coverage – Pays the cost of replacing your roof minus your deductible ROOKIE MISTAKE Being Mean to the Insurance Adjuster _______________________________________ Learn more about us at: Our Site - www.shineinsurance.com Our Blog - www.shineinsure.com/blog Our Podcast - www.scratchentrepreneur.com Our New Home Buyers Course: https://www.newhomebuyersguide.net
Views: 19558 Shine Insurance
How an Independent Insurance Agency Works
 
12:47
Independent insurance agents are one of the 3 avenues to getting home, auto, and business insurance. But the differences can be hard to perceive. This video breaks down your options. Here are some highlights: The 3 access points to home, auto, and business insurance: 1. Online/800 Number Go out and get your own insurance policies using a web portal or calling a hotline 2. Captive Agent A local branch of a large insurance company. The term “captive” means the local representative works for the company. 3. Independent Agent A small business that provides access to multiple insurance companies and advice about which company and coverage is best for you. Pros & Cons of Each: SPEED: Generally, the fastest way to get an insurance quote is through direct access to an online company. Their systems are automated and can give you a quote immediately. No advice about how good your policy is but fast. LOCAL: Here both Captive and Independent Agents should have you covered. You can walk into their office, meet face to face, and talk through your insurance options. QUALITY: When it comes to the best companies, high quality coverage, and well-rounded advice, independent agents have every motivation to be the best option. They aren’t tied to one company so their advice is much less biased. They work with companies that focus on quality rather than blasting the airways with a billion ads. PRICE: It’s important to note that no company or insurance agent can ever claim to have the best price. That’s simply because price is constantly changing. When you’re looking for insurance, it’s a single moment in time. The company that’s the best right then may not be the best in a year. Having said that, Independent agents have a huge advantage on price for two reason: 1. There is price competition inside the agency Independent agencies work with multiple companies. So the companies know that they have to bring their best pricing every year to stay relevant. If they can’t, the agency can just move on. 2. Independent agents see the ebb and flow of price Captive agents see one company all day long. This is the only company they can offer. Independents are motivated to be watching and connect with the companies that are most competitive. So, What’s an Independent Insurance Agency: • Access to multiple exclusive insurance companies • Works for you not the company • Is motivated by quality and good advice • Can usually find the best price and coverage • Helps during claims
Views: 27995 Shine Insurance
Personal Umbrella Insurance: A Simple Explanation
 
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What is a personal umbrella insurance policy and how does it work? This video answers that questions in a clear and easy to understand way. We'll explain "excess liability" so you can decide if it's insurance coverage that you need. This video addresses the following: Liability coverage – protection for bad things that happen to other people because of you Liability Limits – The most an insurance company will pay in a claim How a personal umbrella policy fits in Do YOU need a personal umbrella policy A bonus coverage that you should definitely add to your personal umbrella. Have questions? Ask them in the comment section below. Learn more about us at: Our Site - www.shineinsurance.com Our Blog - www.shineinsure.com/blog Our Podcast - www.scratchentrepreneur.com Our Course - www.newhomebuyersguide.net
Views: 6594 Shine Insurance
How Do Realtors Get Paid? - The answer every buyer should know
 
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How realtors get paid may surprise you. Especially if you’re considering buying a home. Hiring A Realtor is Step #2 in our New Home Buyers Guide. Learn more here: https://www.newhomebuyersguide.net This short video sheds light on who pays for the buyer’s and the seller’s realtor. We’ll answer the question so you don’t have to ask it. Our guest for this video is realtor Beth Ellis How to find Beth Ellis: [email protected] Want more? Our New Home Buyers Guide will walk you through all 9 steps of the home buying process. Get them at https://www.newhomebuyersguide.net Learn more about Shine: Our Site - www.shineinsurance.com Our Blog - www.shineinsure.com/blog Our Podcast: www.scratchentrepreneur.com
Views: 1694 Shine Insurance
Rental Property Insurance: Tips & Advice
 
10:27
Whether you’ve got a tiny rental next door to your home or a portfolio of 200 properties, understanding insurance and how it does and doesn’t protect your assets is key. Here’s an overview: THE THINGS YOUR PROTECTING As a property owner, there are three primary things your insurance policy should protect: PROPERTY COVERAGE The most obvious coverage is for the structure itself. If something bad happens to your investment property it’s value is diminished. That could be a total loss like a fire or tornado leveling the structure. It could also be a partial loss like a burst pipe causing water damage to your wood floors. This is listed as DWELLING coverage on your insurance policy. There is very limited PERSONAL PROPERTY coverage on a Dwelling owner’s policy. This is because you don’t usually have belongings in the house. The personal property of your renter is NOT covered under your insurance policy. This is one reason for renters to have their own RENTER’S INSURANCE POLICY. LIABILITY COVERAGE The is coverage for bad things that happen to other people because of you or your property. Common examples are a person falling down the stairs, tripping on your sidewalk, or being injured by faulty construction. The renters in your property are the most likely to experience these things. That’s why most rental contracts have “Hold Harmless” clauses. This is something you should talk to a lawyer about when creating your rental contract. The second group of people to potentially experience injuries on your property are the friends and family of your renters. This is the most important reason to REQUIRE TENANTS TO HAVE A RENTER’S POLICY. Liability on a renter’s policy would be first to respond and make you less likely to experience a liability claim. BUSINESS INCOME COVERAGE The last of the three major coverages protects the income that you receive from a property. If there is damage that requires a renter to move out for a period of time, you likely won’t receive rent payments. Business Income coverage replaces that lost income. MARKET VALUE VS REPLACEMENT COST The DWELLING COVERAGE is the maximum limit an insurance company would pay out for damage to your property. Many investors think this has something to do will how much your property is worth. That is incorrect. The Dwelling coverage is figured based on REPLACEMENT COST. Replacement Cost is the estimated amount it would actually cost to rebuild the structure. The figure includes contractors, wood, drywall, roofing, etc. Sometimes Market Value and Replacement Cost are close. Other times they are significantly different. For example, let’s say you buy a 2000 square foot house for $100,000. The insurance company will likely want to insure it for around $250,000 ($125/square foot). You may feel like the insurance company is insuring it for way too much but the reality is you bought the house for much less than it would cost to rebuild. Market Value & Replacement Cost are not the same thing. COINSURANCE CLAUSE You might say, “I don’t care. I bought the house for $100,000, let’s insure it for $100,000.” You wouldn’t be the first person to think that. Maybe you don’t even care if $100,000 is all you’d get in a claim. But actually, you wouldn’t even get that. Insurance companies have a rule to combat underinsuring a house and it’s called the COINSURANCE CLAUSE. In a claim, EVEN A SMALL ONE, the company will assess whether you’re dwelling coverage properly insures the house. If it doesn’t, a formula is used that diminishes the claim payout in direct relation to how much you underinsured. In the above example, if the house totally burned down you’d get about $40,000. PERILS INSURED AGAINST Insurance coverage is based on the bad thing that happened (occurrence). Different policies list different events that are (or aren’t covered). Here’s the 3 primary options: o BASIC (DP1) – Covers 11 “Named Perils” including lighting, fire, smoke, wind, hail, and more. o BROAD (DP2) – Covers 16 “Named Perils” including everything from Basic plus burst pipes, weight of ice and snow, and more o SPECIAL (DP3) – The best kind. Shifts from what is covered to what ISN’T covered. If a bad thing that happens isn’t specifically excluded it’s covered. That’s it! What are your questions? Please ask them in the comments section below!! Learn more about us at: Our Site - www.shineinsurance.com Our Blog - www.shineinsure.com/blog Our Podcast - www.scratchentrepreneur.com Our Course - www.newhomebuyersguide.net
Views: 3009 Shine Insurance
Business Insurance: A Quick & Easy Overview
 
16:03
This video is essential for new business owners and it’s a great refresher even if you’ve owned a business for decades. We’ll go over the four basic types of business insurance, offer a quick overview of many coverage options for each, and give you a PDF document to keep track of your own insurance coverage. You’ll walk away understanding business insurance WAY better than you do now. Here’s the breakdown: Get the Coverage Details Form we talk about in the video: • The BLANK form is here: http://bit.ly/2f3FPPF • The EXAMPLE COVERAGE form is here: http://bit.ly/2fd7nGb What’s in the video: • GENERAL LIABILITY (2:02) o Medical Expenses (3:20) o Products Liability (3:58) o Employment Practices Liability (4:08) o Employee Benefits Liability (4:47) o Cyber Liability (5:03) o Professional Liability (5:31) o Hired & Non Owned Auto (6:00) • PROPERTY COVERAGE (6:37) o Building Coverage (6:56) o Business Personal Property (7:10) o Data Compromise (7:48) o Specialized Equipment (8:10) o Money & Securities (8:30) o Business Income Coverage (8:40) o Employee Dishonesty (9:00) o Forgery (9:10) o Equipment Breakdown (9:13) • WORKERS COMPENSATION (10:00) o Coverage Limits (10:10) o How Premium Works (11:25) • COMMERCIAL AUTO (12:40) That’s it! WHAT ARE YOUR QUESTION? Please ask them in the comments section below!! Learn more about us at: Our Site - www.shineinsurance.com Our Blog - www.shineinsure.com/blog Our Podcast - www.scratchentrepreneur.com Our Course - www.newhomebuyersguide.net
Views: 4602 Shine Insurance
Workers Comp Audit – How To Avoid A Big Bill
 
16:36
Workers Compensation Insurance is super important for anyone who has employees. But the ways it’s set up can be a real pain. A Work Comp audit is one of the most confusing parts. We’ll break it down and help you navigate the process with ease. After watching this video Work Comp audits will be one more business pitfall you won’t have to wonder about. We address: • What is Workers Compensation Insurance? When an employee gets hurt on the job, you’re responsible. Workers Compensation Insurance protects you and helps to address the costs. • What is an Audit? The price you pay for work comp insurance is based on two factors: your payroll & the type of work your employee does. An audit verifies that both were figured correctly in the past policy term. • Why & when does a work comp audit happen? Audits are to make sure people are actually paying what they’re supposed to. They usually happen about a month after the policy term ends. • 4 ways to make every Workers Comp audit smooth: 1. Connecting with your insurance agent every quarter 2. Keeping great books 3. Classifying your employees correctly 4. Never underestimating your payroll. Learn more about Shine at: Our Site - https://www.shineinsurance.com Our Blog - https://www.shineinsure.com/blog Our Podcast - https://www.scratchentrepreneur.com Our Course - https://www.newhomebuyersguide.net
Views: 5903 Shine Insurance
Homeowners Insurance: How is the Dwelling Coverage figured?
 
10:36
A lot of people have the misconception that the Dwelling Coverage on your insurance policy reflects the Market Value of your home. For most insurance policies, this isn’t the case at all. The Dwelling Coverage is an estimate of the Replacement Cost for your home. So what’s the difference? REPLACEMENT COST is how much it would actually cost to rebuild your entire home. This factors in the cement, wood, drywall, contractors, roofs, furnaces, etc. MARKET VALUE is what you could sell your house for. This value changes based on the current real estate climate. HOW REPLACEMENT COST AFFECTS INSURANCE • Dwelling Coverage (or Coverage A) is the highest amount the insurance company would pay to replace your home. This number is based on Replacement Cost and NOT Market Value • While replacement cost varies widely around the United States, a rule of thumb is that a standard home should be insured for at least $125/square foot. The more custom your home is the higher this number will get. WHAT IF YOU’RE UNDERINSURED? • If your house burns down, the insurance company will only pay the amount of coverage even if that won’t rebuild your home. • However, the best companies offer Extended Replacement Cost or Guaranteed Replacement Cost which creates an important buffer if it costs more to replace your home than you thought. HOW DOES MARKET VALUE AFFECT YOUR INSURANCE? • It really shouldn’t Learn more about us at: Our Site - www.shineinsurance.com Our Blog - www.shineinsure.com/blog Our Podcast - www.scratchentrepreneur.com Our Course - www.newhomebuyersguide.net
Views: 21408 Shine Insurance
5 Simple Steps to Getting a Mortgage
 
10:15
Getting a mortgage can be the most frustrating part of buying a new house. Not for you though! These 5 steps will make sure that you set yourself up for success. Mortgage Preapproval is Step #1b in our New Home Buyers Guide. Learn more here: https://www.newhomebuyersguide.net Here’s an overview: #1 GET YOUR CREDIT RIGHT If your credit is bad then buying a home may be a mistake. Focusing on fixing your credit for one year will make a huge difference in your borrowing experience. Here’s how to fix your credit Get A Credit Report – See where the issues are Get Your Payments Current – Your credit is heavily affected by late payments. Get current and stay current. #2 UNDERSTAND WHAT YOU CAN BORROW Asking the question “What can I afford?” is key to successful borrowing. If you borrow too much a catastrophe could be in your future. Here are two things to help you figure it out:  Find a mortgage calculator online and use it to get an idea  Think about what you pay in rent. Is it manageable? A manageable rent payment is a good place to start for your mortgage payment #3 COLLECT YOUR DOCUMENTS Here are the basic documents you’ll need:  Drivers License or Passport  Last 2 years of tax returns  Last 2 years W-2s  Most recent pay stub  Last two months bank statements #4 CALL THE RIGHT LENDER We address this even more here: https://www.youtube.com/watch?v=-Oq2SXSd_-g&t=11s #5 HIRE LOCAL REAL ESTATE AGENT Now that you’ve got everything into place, it’s time to get the rest of your team together. That starts with a great realtor. An insurance agent is the third piece of the puzzle. If you have one of these three that you like, ask him/her to refer you to great people who will play the other roles. How to find Ryan Langley: 812-650-3800 www.ruoff.com [email protected] WANT MORE? Our New Home Buyers Guide will walk you through all 9 steps of the home buying process. Get access at https://www.newhomebuyersguide.net Learn more about us at: Our Site - www.shineinsurance.com Our Blog - www.shineinsure.com/blog Our Podcast - www.scratchentrepreneur.com
Views: 2684 Shine Insurance
At Fault vs No Fault Auto Insurance
 
04:25
The are two completely different approaches to how auto insurance works. This video explains At Fault vs No Fault States. Each state in the US has to decide whether to be at "At Fault" state or a "No Fault" state. These two different approaches have everything to do with who's fault an accident is. AT FAULT STATES: In these states, the insurance policy of the driver who caused the crash covers property damage and injuries for everyone in the accident. This is fair because well... they caused the accident. NO FAULT STATES: In these states fault doesn't matter as much. No matter who's fault the accident is, the insurance policy for each vehicle pays for the injuries and damage to it's vehicle and it's injured drivers and passengers. WHY IS IT THIS WAY? It has everything to do with litigation. At Fault states see a high rate of personal injury attorneys suing for huge amount s of money. No Fault states limit that by the way they set up insurance policies. So, if you don't like all of the personal injury attorneys that make it feel like you'll get sued even in a tiny accident then No Fault states make sense. But most of us can agree that if your sitting still at a stop light and someone bangs into the back of your car YOU shouldn't be responsible. That, of course, is the balance and why different states handle it different ways. Want the ultimate free video guide to home and auto insurance? It's right here: www.makeinsurancesimple.com Learn more about us at: Our Site - www.shineinsurance.com Our Blog - www.shineinsure.com/blog Our Podcast - www.scratchentrepreneur.com
Views: 5506 Shine Insurance
Homeowners Insurance: Protecting Your House, Your Stuff, & More
 
29:49
We’ll cover how homeowner’s policy protect your home, your stuff, and the bad things that could happen to others because of you. Intro – 0:01 Fun Fact – 2:13 The beginnings of homeowners insurance Property Coverage Dwelling Coverage (Replacement Cost) – 4:03 Other Structures – 5:37 Personal Property – 7:01 Loss of Use (Additional Living Expenses) – 11:24 What Types of Bad Things are Covered? Perils – 13:01 Occurrence – 13:21 3 Types of Homeowners Policies – 14:13 Basic (HO1) – 14:12 Broad (HO2) – 14:58 Special (HO3) – 15:31 DOWNLOAD THE PERILS COMPARISON HERE: http://bit.ly/2jSs8U6 Liability Coverage Homeowner’s Liability – 17:16 Medical Payments – 18:48 Some Endorsements Water & Sewer Back Up – 20:09 Natural Disasters – 21:45 Special Personal Property (HO5) – 23:11 Rookie Mistake – 24:21 Not taking the “extra package” There you have it! Entire course - http://yt.vu/p/PL425CAnBWQyR7jTxJzNJ1tJjG or right here - www.makeinsurancesimple.com Join the Facebook Group Here: https://www.facebook.com/groups/952960158110839/ Learn more about us at: Our Site - www.shineinsurance.com Our Blog - www.shineinsure.com/blog Our Podcast - www.scratchentrepreneur.com Our Course - www.makeinsurancesimple.com
Views: 10158 Shine Insurance
Looking at a House for the First Time
 
15:37
You've searched the web & driven by a hundred houses. Now your realtor is walking your through your favorites. This video will get you prepared to nail it. Friend of the channel, real estate guru Deb Tomaro, walks us through the most important things to consider and what not to worry about. Finding A Home is Step #3 in our New Home Buyers Guide. Get our WALK THROUGH CHECKLIST, NEW HOME NEEDS ASSESSMENT, & OPTION ORGANIZER inside the guide: https://www.newhomebuyersguide.net (use the discount code: YOUTUBESUBSCRIBER to save 25%) How to find Deb Tomaro: http://www.realrealestatetoday.com Learn more about us at: Our Site - https://www.shineinsurance.com Our Blog - https://www.shineinsure.com/blog Our Podcast - https://www.scratchentrepreneur.com Our Course - https://www.newhomebuyersguide.net
Views: 1624 Shine Insurance
Homeowners Claim Denied: 5 Reasons Why
 
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We purchase insurance for one reason – to pay for our loss when something bad happens. But search any insurance company on Google, and you'll see a bunch of complaints from folks whose policies didn't pay. These people are usually mystified and miffed, and ready to tell anyone and everyone how terribly the insurance company treated them. We've read through a lot of these complaints, and sometimes we immediately know why the claim was denied. We know that it’s difficult to truly understand what your Homeowners insurance policy covers, so today we offer… The Top 5 Reasons Your Homeowners Claim Could Be Denied 1. Deductible Every homeowners insurance policy has a deductible, an amount of money YOU agree to pay in a claim. If the amount of damage is LESS than your deductible than your insurance policy would not have coverage for that claim. The most common homeowners deductible is $1000 Often, there is a different deductible for WIND or HAIL claims. This deductible is likely higher than the deductible for any other type of claim. Make sure to study your policy and understand what both your ALL PERILS deductible and your WIND-HAIL deductible are. ACTION STEP #1: Ask your agent how much it would cost to have a $1000 deductible 2. Covered Perils The most common misconception: insurance policies cover any damage to your home. The reality is this: all Homeowners policies are meant to cover a sudden loss with an immediate source of the damage. The sudden loss is often referred to in your policy as an Occurrence, and the immediate source of damage is called a Peril. Perils are the source of the bad thing that happened. Lightning, Wind, Fire, & Theft would all be considered perils. DIFFERENT POLICIES COVER DIFFERENT PERILS. Here are the three types of policies and what they cover: BASIC (HO1 or DP1) - Covers 11 Named Perils or 11 types of bad things that happen BROAD (HO2 or DP2) - Covers 16 Named Perils or 11 types of bad things that happen SPECIAL (HO3 or DP3) - Covers ALL PERILS unless they are excluded For an in-depth breakdown of the 3 types of homeowners policies and what perils they cover go here: http://bit.ly/2jSs8U6 For a claim to be covered, an insurance company adjuster must be able to see there was an occurrence (or sudden loss) caused by a Peril covered by your type of policy. ACTION STEP #2: Make sure your policy is an HO3. If not, find a policy that is. Ask for SPECIAL coverage for your dwelling and your personal property. 3. Exclusions Certain things are limited or specifically excluded in homeowner’s policies. The most common exclusions are floods, earthquakes, and water back up/sump overflow. A common exclusion in coastal states is hurricane/wind and hail. Wildfires are often excluded in areas where wildfires are common. In most cases, the excluded Perils can be covered separately for additional cost. ACTION STEP #3: Add Water Back-Up Coverage. Consider adding earthquake as well 4. Liability is Elsewhere Liability coverage is for when bad things happen to other people because of you. But sometimes bad things happen to you or your home because of other people. The most common example is people you hire to do work on your property. Landscapers, house cleaners, and tree trimmers are all examples of people who come onto your property and could cause damage to it. When they cause damage the liability is on them. That's means their insurance policy should pay and yours likely won't ACTION STEP #4: Only hire service providers that have liability insurance 5. Maintenance VS Occurrence Homeowners insurance policies don't cover basic maintenance to your home. If your roof is old and leaky, it needs replaced. Your insurance policy won't cover that. If your furnace breaks down, you need a new one. Your insurance policy won't cover that. Insurance policies cover OCCURRENCES, a single bad event that damages your home. ACTION STEP #5: Keep up on your home's maintenance We hope this post was information without being too scary. Well built insurance policies should have the right coverage when you need it. Just don't get distracted by a low priced policy that's stripped of all the important coverage and you'll be fine. If you need an agent to help you make sense of it all, we'd be glad to help www.shineinsure.com/contact
Views: 17770 Shine Insurance
Water Damage Claim: A 5 Step Overview
 
11:44
Coming home to a kitchen full of standing water is scary but don't worry, If it happens to you it’s something you can totally have control over. Jeremy and home claim specialists Matt & Mark from Harris Services will walk you through the five steps you’ll experience in a water damage claim Here’s an overview: • STEP ONE: Stop the Damage If it’s safe you should stop the water from doing more damage. That usually means finding the water shut off value to your home and turning it off. • STEP TWO: Contact Insurance & Water Remediation Specialists There are two sides to the process of fixing the damage: o Insurance: Your insurance policy should help pay for getting it fixed. They represent the money side o Contractors: These are the people who will actually address the damage and fix it • STEP THREE: Create a Scope of Work You, the contractors, and the insurance adjuster will work together to decide how everything will be fixed and how much that will cost. We suggest using ONE general contractor and having them manage the roofer, plumber, electrician, floor specialist, etc. It’s much easier than managing the process on your own. • STEP FOUR: Have the Work Completed This step can take longer than you think. Each contractor has to be scheduled, get in to your home, and do the work. Everyone’s schedule generally makes the process take a lot longer than it could. • STEP FIVE: The Money o After Step Three is complete the insurance company will cut the first check. BEWARE, that check will be less than the total cost of the job AND it will probably be written to you and your mortgage company. o Once the job is done the insurance company will do a walk through and cut the second Replacement Cost check. If your policy has ACV coverage this check will not be cut. FINALLY, the claim is complete and you home is back to normal. Have questions? Ask them in the comment section below. Find Harris Services @ https:www.callharrisservices.com Learn more about Shine at: Our Site - www.shineinsurance.com Our Blog - www.shineinsure.com/blog Our Podcast - www.scratchentrepreneur.com Our Home Buyers Guide - www.newhomebuyersguide.net
Views: 3974 Shine Insurance
6 Steps to a Successful Home Closing: Expert Interview
 
12:59
The closing is that moment when you actual take ownership of your new home. Our guest, John Bethell, has 40 years of experience helping home buyers have a smooth closing. In this video, he shares the 6 step that will make your home closing a stress-free experience. The closing is Step #8 in our New Home Buyers Guide. Learn more here: https://www.newhomebuyersguide.net Here's an overview of the video: Step #1 Understand the Title Insurance Commitment This is the legal inspection of your property. It looks at the condition of the title includeing: - What loans the seller needs to pay off - What building use restrictions there are. Like whether the land around your home has city or county easements where you can’t build fences, pools, or additional structures. Step #2 – Show up to your closing Yes, you can close without being there but there’s no substitute for being present and asking all of your questions in person. Step #3 – Understand Your Settlement Statement The most important part is your real estate taxes. If you don’t understand, it’s really easy to get burned. Ask your mortgage lender or the title company how the tax payments will be handled and whether you’ll have to pay money out of pocket at closing or even soon after closing. Step #4 – Make Sure the Mortgage Terms are Correct You’ve made an agreement with the mortgage lender about closing costs, interest rates, and much more. Make sure all of the details are correct Step #5 – Make Sure the Deed is Correct The Deed is evidence of your legal ownership of the property. Make sure your names are spelled correctly and the title ownership is set up properly. Step #6 - Make Sure the Tax Deductions are Properly Filed with the City & County There are tax deductions that save you tons of money. Make sure that you’ve filed those deductions properly. You’ll probably have to file these deductions with the county. Make sure they are filed properly and you get all of the deductions that apply to you. How to find John Bethel: www.johnbtitle.com [email protected] WANT MORE? Our New Home Buyers Guide will walk you through all 9 steps of the home buying process. Get them at https://www.newhomebuyersguide.net Learn more about Shine: Our Site - www.shineinsurance.com Our Blog - www.shineinsure.com/blog Our Podcast - www.scratchentrepreneur.com
Views: 4689 Shine Insurance
Mortgage Payment: The 3 Parts Explained
 
17:14
Learn exactly what goes into your monthly mortgage payment. We'll explain principal, interest, and escrow contribution in a clear simple way. You'll never wonder why your monthly mortgage payment went up again. Monthly Mortgage Payment is Step #9 in our New Home Buyers Guide. Learn more here: https://www.newhomebuyersguide.net Overview of this video: When you make your monthly mortgage payment, you’re actually paying your mortgage company for 3 different things: 1. PRINCIPLE: The part of your monthly payment that goes toward paying down your debt. 2. INTEREST The part of your monthly payment that goes to the mortgage company for the ability to borrow their money 3. ESCROW ACCOUNT CONTRIBUTION The part of your monthly payment that goes toward paying your property taxes & homeowners Insurance. If you have a Fixed Rate Mortgage, then the only time your monthly mortgage payment should change is if your property taxes or your homeowners insurance increase. WANT MORE? Our New Home Buyers Guide Workbook & Course will walk you through all 9 steps of the home buying process. Get them at https://www.newhomebuyersguide.net Learn more about Shine: Our Site: www.shineinsurance.com Our Blog: www.shineinsure.com/blog Our Podcast: www.scratchentrepreneur.com
Views: 2593 Shine Insurance
The 4 Parts of An Insurance Policy
 
16:39
Video #1 in our 6 part course gets the basics laid out: Specifically the 4 parts of an insurance policy and coverage limits. Policies have parts? Yep, we’ll get that figured out right from the beginning. Join the Facebook Group Here: https://www.facebook.com/groups/952960158110839/ Here's the video breakdown: Celebration – 0:01 Why is this course important? – 0:15 Intro – 2:06 Parts of A Policy Declarations Pages – 5:15 Forms – 6:25 Endorsements – 7:30 Exclusions – 8:25 Fun Fact – 9:45 Can insurance companies do whatever they want? Coverage Limits - 11:00 Rookie Mistake – 12:12 Buying insurance based on price alone. Outro – 13:25 Want the complete course? find it here www.makeinsurancesimple.com NEED HOME & AUTO INSURANCE COVERAGE? While we love teaching everyone about how insurance works, we currently only offer policies in Indiana, USA. If you're in Indiana, it's time to get connected. Contact us at www.shineinsurance.com
Views: 12862 Shine Insurance
4 Steps to take MONTHS before Buying a Home
 
08:35
Smart home buyers like you start the process months or years before actually buying the home. There are four specific things you need to do now that will save you money, reduce the stress, and help set the foundation for the home buying process. They are as follows: 1. Get Your Credit Right Your credit is basically a score based on your money relationship with banks, credit card companies, and even your monthly service providers (cable, electric, phone, internet, etc). The system has every details of these relationships documented and your credit score is based on that. You need to do two things here: - Find Your Credit Score - Fix Your Credit Score We’ll teach you exactly how to do that here: https://www.newhomebuyersguide.net/credit-score/ 2. Save for a Down Payment A bank with lend you money for buying a house (called a mortgage). But they don’t generally want to loan your the entire purchase price of the home. You have to put some money in right from the start. Saving up is key here. We’ll address this in more detail here: https://www.newhomebuyersguide.net/credit-score/ 3. Get A Clear Sense of Your Budget You may want to buy a house that’s way more than you can afford but it’s a huge mistake. Understanding what you can afford is key. Here’s how we suggest you do it: - Think about what you are currently paying in rent. If you can afford that, then use this number as your goal for a monthly mortgage payment - Google “Mortgage Calculator”. Use any one of the online calculators to figure out how much you could borrow to have the same monthly payment as you’re currently paying in rent. 4. Understand the Local Real Estate Market Getting to know the real estate market in your area is key to being ready to buy. Start paying attention now. Look at sites like: - Realtor.com - Zillow.com - Search “Homefinder site [your town]” see if there are local sites for your area. Pay attention to how much the homes you like cost, how long they stay on the market, what school districts they’rein, how much the taxes are, etc. Just generally start getting comfortable with what’s out there. Follow those 4 steps and you’ll be in a great position when you decide to make the move! Want more advice and a community of fellow home buyers to be a part of? Check out our New Home Buyers Guide right here: www.newhomebuyerguide.net For a limited time, use the discount code CLOSING to get 25% off. Learn more about us at: Our Site - www.shineinsurance.com Our Blog - www.shineinsure.com/blog Our Podcast - www.scratchentrepreneur.com Our Course - www.newhomebuyersguide.net
Views: 1053 Shine Insurance
Why Get Mortgage Preapproval BEFORE looking at homes?
 
06:24
Sometimes you get excited to look at houses and want a realtor to take you right now. But that really not the first step and can lead to super sad results :( Our guest for this conversation is realtor and real estate radio host Deb Tomaro. She’ll break down why your realtor might say “no” to taking you to look at houses before your preapproved for a mortgage and why that’s actually a really good thing. She’ll answer these questions: • Why should I just run out and look at homes? • Why did my realtor say “No” to taking me to homes until I’m preapproved? • Is prequalification for a mortgage a total pain? • Is getting preapproved going to impact my credit? How to find Deb Tomaro: www.realrealestate.com [email protected] WANT MORE? Our New Home Buyers Guide will walk you through all 9 steps of the home buying process. Get access at https://www.newhomebuyersguide.net Learn more about Shine at: Our Site - www.shineinsurance.com Our Blog - www.shineinsure.com/blog Our Podcast - www.scratchentrepreneur.com Our Course - www.newhomebuyersguide.net
Views: 604 Shine Insurance
Down Payment Assistance: How to Get Up To $13,000 for Free
 
10:40
Getting a mortgage can be expensive! Learn how you can get up to $13,000 of help making your down payment! Jeremy and his guest Kevin Cade from Old National Bank will walk you through the three options you’ll have for assistance! HERE’S AN OVERVIEW: You can apply for Local, State, or Federal assistance. ALL THREE REQUIRE THE FOLLOWING: 1. You need to go through Home Buyer Training 2. You need to be within a maximum income HOW TO GET IT: • Step One: Contact your Lender Double-check with your lender to make sure that they accept these down payment assistance programs. • Step Two: Talk to Your City, State, or Federal Government Each program will decide if you fit the requirements to be eligible for down payment assistance. • Step Three: Take the Class Home Buyer training classes should be offered somewhere in your local space. Sometimes there are online classes available that show you how to buy a home. They are very similar to ours at www.newhomebuyersguide.net Closing Thoughts: Before picking your lender, come with a list of questions. Make sure down payment assistance is one of those questions. Go to 2 or 3 different lenders and see which one has the best options for you! DO YOU HAVE TO PAY IT BACK? If you own the home for 5 years, you do not need to pay it back! They forgive the down payment assistance at 20% annually. Learn more about us at: Our Site - www.shineinsurance.com Our Blog - www.shineinsure.com/blog Our Podcast - www.scratchentrepreneur.com Our Course - www.newhomebuyersguide.net
Views: 912 Shine Insurance
Personal Umbrella Insurance: Extra Liability Coverage
 
17:29
Liability coverage protects you if bad things happen to other people because of you. A personal umbrella super charges that coverage. We’ll explain. Video Breakdown: Intro - 0:01 Review - 1:17 Excess Liability Policy - 3:19 Describing the Personal Umbrella Excess Un/Under Insured Motorist - 11:25 Rookie Mistake- 13:05 Not covering your assets Outro - 14:30 There you have it! Want more from Shine?: Our channel – https://www.youtube.com/shineinsuranceguru Our Site - www.shineinsurance.com Our Blog - www.shineinsure.com/blog Our Podcast - www.scratchentrepreneur.com Our First Time Home Buyers Course - www.newhomebuyersguide.net
Views: 1346 Shine Insurance
Fixed Rate vs Adjustable Rate Mortgage: Expert Interview
 
08:28
There are two basic ways that a bank can set up your interest rate for a mortgage. Fixed Rate and Adjustable Rate. Mortgage Preapproval is Step #1b in our New Home Buyers Guide. Learn more here: https://www.newhomebuyersguide.net In this video, we ask mortgage lender Ryan Langley to explain the difference and how to know which one is right for you. OVERVIEW Some important terms: Mortgage: Most people can’t just spend hundreds of thousands of dollars to buy a house. They need to borrow the money from a bank. The money you borrow from a bank to buy a home is called a mortgage Interest: Banks don’t just loan you money for free. Interest is the extra money you pay the bank for the right to borrow from them Interest Rate: This is how the bank figures out how much interest you will pay them. The interest rate is a percentage of the money you borrowed. That percentage is how much extra you have to pay Adjustable Rate Mortgage: This kind of mortgage is set up so that the interest rate you pay could change over the course of the loan. Fixed Rate Mortgage: This kind of mortgage is set up so that the interest rate will stay the same over the entire course of the loan. Advantages to an Adjustable Rate Mortgage: Often has a lower “introductory” interest rate. If you plan to keep the loan for a short time or pay back much of the borrowed amount in the first couple of years then this could save money. It’s riskier though and should be considered only by borrowers who truly understand how mortgages work. Advantages of Fixed Rate Mortgages: Simple to understand, stable, safe. The majority of borrowers should choose a fixed rate mortgage. How to find Ryan Langley: 812-650-3800 www.ruoff.com [email protected] WANT MORE? Our New Home Buyers Guide will walk you through all 9 steps of the home buying process. Get access at https://www.newhomebuyersguide.net Learn more about us at: Our Site - www.shineinsurance.com Our Blog - www.shineinsure.com/blog Our Podcast - www.scratchentrepreneur.com
Views: 1883 Shine Insurance
Homeowners Insurance Claim: An In-depth Explanation
 
20:12
Need the homeowners claim process explained in a clear and simple way? This video walks you step by step through what to expect and how to get the most out of you insurance when it matters most. After watching this video you'll have the upper hand when you experience a homeowners claim. Want more from Shine? Our Channel – https://www.youtube.com/shineinsuranceguru Our Site - www.shineinsurance.com Our Blog - www.shineinsure.com/blog Our Podcast - www.scratchentrepreneur.com Our First-Time Home Buyers Course - www.newhomebuyersguide.net
Views: 12594 Shine Insurance
How Does Switching Your Homeowners Insurance Work?
 
03:59
When you switch homeowners insurance from one company to another it can cause problems with your monthly mortgage payment. But it doesn't have to. With a couple of simple steps you can be sure to have a smooth easy transition to your new insurance company.
Views: 897 Shine Insurance
Homeowners Insurance Claim: The 5 Simple Steps
 
08:21
Need a simple overview of how a homeowner's insurance claim works? You got it. We share the 5 simple steps in the process. They include: 1. Call emergency services and stop damage 2. Start insurance claim 3. Hire contractors to fix the damage 4. Pay contractors 5. Move on with your life Want the infographic? Download it here: http://bit.ly/20ZPNkH
Views: 1759 Shine Insurance
Property & Liability Coverage: Two Types of Insurance Coverage
 
19:55
There are two basic kinds of coverage in your home and auto policies. We’ll get that figured out right here. Property Coverage: Simply put, this is coverage for your stuff, your belongings. Liability Coverage: This is coverage for the bad stuff than can happen to others because of you, your property, or even your pets. This video is the second in our 6 part crash course on home and auto insurance. Entire course - http://yt.vu/p/PL425CAnBWQyR7jTxJzNJ1tJjG or right here - www.makeinsurancesimple.com Join the Facebook Group Here: https://www.facebook.com/groups/952960158110839/ Here's the video breakdown: Intro – 0:01 Review – 1:22 Property Coverage – 5:45 Coverage for your stuff Liability Coverage – 7:05 Coverage for bad things that happen to others because of you Not So Fun Fact – 11:02 Most common liability claims Property Vs Liability Game – 13:10 Rookie Mistake – 16:00 The single biggest rookie mistake of all Learn more about us at: Our Site - www.shineinsurance.com Our Blog - www.shineinsure.com/blog Our Podcast - www.scratchentrepreneur.com Our Course - www.makeinsurancesimple.com
Views: 9332 Shine Insurance
How Auto Insurance Works - No Fault States
 
23:40
This video breaks down how auto insurance works. We’ll explain every part of your coverage in a simple, easy to understand way. The way auto insurance works is based on the state you live in. There are two options: AT FAULTS STATES & NO FAULT STATES. Here’s a video that breaks that down: https://www.youtube.com/watch?v=K5uZ8D0ZIrg This video explains how NO FAULT STATES work. Here’s the details: Your auto insurance policy should cover: PIP (Personal Injury Protection) 2:20 Coverage for you, your family, and your passengers’ injuries. Can cover medical expenses, lost wages, pain & suffering, etc. no matter who’s fault the accident is COLLISION (3:56) Coverage for damage to your vehicle. Usually has a deductible. OTHER THAN COLLISION (5:47) This covers damage to your car that is not the result of a traditional car accident. Tree limbs falling, garage fires, and impact with an animal fit this category. Usually has a deductible. BODILY INJURY LIABILITY (7:23) Liability Coverage is still an important part of your auto policy. Why? Well, you travel around in a huge metal bullet just inches from strangers. Make contact and you’re their worst enemy. Hurting other people’s bodies is much more likely in your car than your house and that’s why auto liability coverage is required by law. In no fault states it is less important, but it’s still necessary. In the worst-case scenarios, the at fault driver can still be sued because of an accident. PROPERTY DAMAGE LIABILITY (9:18) Again, in no fault states this coverage is less important but there are scenarios where your policy would have to pay for damage to someone else’s property (car, home, etc) UN/UNDERINSURED MOTORIST COVERAGE (12:30) Some people break the law. Others just carry to lowest possible liability limits required by law. So when those people run into you, it’s a bummer. Fortunately, your Un/Underinsured motorist coverage is there to protect you. RENTAL REIMBURSEMENT(16:03) Coverage for a rental while your car is being fixed. This only applies if the damage to your car is from a covered accident. ROADSIDE ASSISTANCE (16:45) More and more companies are offering this service as a part of your auto insurance policy There you have it! Find the entire course at: http://yt.vu/p/PL425CAnBWQyR7jTxJzNJ1tJjG Join the Facebook Group Here: https://www.facebook.com/groups/952960158110839/ Learn more about us at: Our Site - www.shineinsurance.com Our Blog - www.shineinsure.com/blog Our Podcast - www.scratchentrepreneur.com Our Course - www.makeinsurancesimple.com
Views: 1638 Shine Insurance
How Auto Insurance Works - At Fault States
 
21:55
This video breaks down how auto insurance works. We’ll explain every part of your coverage in a simple, easy to understand way. The way auto insurance works is based on the state you live in. There are two options: AT FAULTS STATES & NO FAULT STATES. Here’s a video that breaks that down: https://www.youtube.com/watch?v=K5uZ8D0ZIrg This video explains how AT FAULT STATES work. Here’s the details: Your auto insurance policy should cover: Bodily Injury Liability (0:41) Liability Coverage is the most important part of your auto policy. Why? Well, you travel around in a huge metal bullet just inches from strangers. Make contact and you’re their worst enemy. Hurting other people’s bodies is much more likely in your car than your house and that’s why auto liability coverage is required by law. Property Damage Liability (1:06) While an accident may or may not hurt a person, it will almost always hurt whatever was hit. When that’s someone else’s property this part of your policy covers. “No Fault” states complicate this, but liability coverage is important no matter how your state insurance laws are set up. Un/Underinsured Motorist Coverage (6:13) Some people break the law. Others just carry to lowest possible liability limits required by law. So when those people run into you, it’s a bummer. Fortunately, your Un/Underinsured motorist coverage is there to protect you. Comprehensive/Collision (11:02) This is what folks call “Full Coverage”. Really, these two items are all about coverage for your car. Comprehensive (sometimes called “Other than Collision”) refers to damage that is not the result of a traditional car accident. Tree limbs falling, garage fires, and impact with an animal fit this category. Collision is a regular old accident. Both have deductibles that you pay before coverage kicks in. Rental Reimbursement (13:56) Coverage for a rental while your car is being fixed. This only applies if the damage to your car is from a covered accident. Roadside Assistance (14:44) More and more companies are offering this service as a part of your auto insurance policy There you have it! Have questions? Ask them in the comments below or join the Facebook Group here: https://www.facebook.com/groups/952960158110839/ Learn more about us at: Our Site - www.shineinsurance.com Our Blog - www.shineinsure.com/blog Our Podcast - www.scratchentrepreneur.com Our Course - www.makeinsurancesimple.com
Views: 2568 Shine Insurance
Liability Insurance Explained - Home & Auto
 
04:42
Liability coverage is the coverage for bad things that happen to other people because of you. It could be in an auto accident where you've hurt other people or it could be someone getting hurt at your home. Insurance policies can pay for the actual medical expenses, lost wages, and “pain & suffering”. COVERAGE LIMITS But your policy will only cover you up to the coverage limits that you purchase. Often times people purchase low limits because they want to save money but in actuality it can cost a ton more money. WHY? Because if you're in a liability claim and you don't have high enough coverage limits, YOU’RE gonna pay the rest out of your own pocket. Tens of thousands of dollars that you wouldn’t have had to spend if you purchased higher limits. So what kind of liability limits should you have on your insurance policies? AUTO INSURANCE COVERAGE LIMITS Auto insurance coverage is oftentimes set up as split limit coverage. I suggest you have at least 100K/300K/100K split limit coverage. That means $100,000 of coverage per person in an auto accident, $300,000 of coverage altogether for injuries in an auto accident, and $100,000 of coverage for property damage to other people's vehicles. So 100K/300K/100K is absolutely the lowest I would ever let anyone have for coverage limits. I suggest carrying 250K/500K/100K. That means you have $250,000 per person for injuries in an auto accident, 500,000 altogether, and $100,000 for personal property coverage. Now you can put a personal liability umbrella on top of that and add more liability coverage which is a great idea but definitely 250K/500K/100K on your auto policy is where to set your auto liability limits. HOMEOWNERS INSURANCE COVERAGE LIMITS For your home policy I would suggest a $500,000 liability limit with at least $5,000 of medical payments. So take a look at your own insurance policies and see if your coverage is up to speed. If it's not, make sure you call your insurance agent and get it fixed. Want the ultimate free video guide to home and auto insurance? We’ve got a great resources for you at https://makeinsurancesimple.com. You’ll find well-explained information for homeowners insurance, auto insurance, and personal umbrellas. Plus, we’ll explain exactly how a Home or Auto claim should go. Insurance will make some much more sense in no time! It's right here: www.makeinsurancesimple.com Learn more about Shine at: Our Site - www.shineinsurance.com Our Blog - www.shineinsure.com/blog Our Podcast - www.scratchentrepreneur.com
Views: 1905 Shine Insurance
Auto Insurance Claims: 3 things to do at a Fender Bender
 
04:01
Getting in an accident is scary, and I walk worried clients through the process all the time. But way too often they call me after making crucial decisions at the scene of the accident. Some of them did the right thing and others cost themselves hundreds of dollars by not following these 3 simple steps. After watching this video you'll never make those mistakes yourself. Step 1: Call the Police It's tempting to let this go in a small accident but there is simply no better source of information about an accident than a police report. Without it, the other people can change their story and you have no evidence as to what really happened. It would be great if we could trust people to tell the truth but stories change all the time. Step 2: Get the Other Person's Information - Specifically make sure you leave the scene with the other driver's name, phone number, insurance company, and policy number Step 3: Don't Say Things That Could Be Used Against You Statements like " I should have..." or "I really messed up" aren't helpful. Yes, answer the police officers questions and tell your version of what happened but leave it at that. Have more insurance questions? Here's some resources: OUR BLOG - http://www.shineinsurance.com OUR YOUTUBE CHANNEL - https://www.youtube.com/channel/UCGO-atb8JOo7usmRuVzG-BA Want to connect with us for insurance? www.shineinsure.com/contact-us
Views: 1956 Shine Insurance
What Happens When An Uninsured Driver Hits You?
 
02:19
Ever wonder what happens when someone gets into an accident with you but they don't have any insurance? Well, if you've set your insurance policy up with Un/UnderInsured Motorist Coverage then you have a back up plan. Check out our short clip on the topic. Want more insurance info? We've got GOBS! Subscribe to our Youtube channel or check out www.shineinsurance.com.
Views: 2335 Shine Insurance
Air BnB Insurance: How To Get it Right
 
10:38
If you’re thinking about renting your home out on Air BnB and you’re concerned about how insurance will work, this video is for you. We’ll explain how your regular homeowners policy handles this and what steps you need to take to make sure everything is properly covered. We address: - Does Homeowners Insurance cover Air BnB? - Does a tenant insurance policy cover Air BnB? - What are the 3 most important coverage options? - How can I find the right insurance for Air BnBs? If you have questions after watching the video please leave a comment below. Learn more about us at: Our Site: www.shineinsurance.com Our Blog: www.shineinsure.com/blog Our Podcast: www.scratchentrepreneur.com
Views: 441 Shine Insurance
Does My Insurance Cover A Rental Car?
 
12:01
Have you ever been asked if you want to purchase the insurance at a rental car company and wondered if you should? This video helps to answer whether you need it or not. We'll break it down like this: What's a "Like Kind" vehicle? What if I want to rent outside of my own country? Does my auto insurance policy have property coverage for a rental car? How about liability coverage for a rental car? Can a rental car company really charge me for "Loss of Use"? What should I do if my policy doesn't cover a rental car? Learn more about us at: Our Site - www.shineinsurance.com Our Blog - www.shineinsure.com/blog Our Podcast - www.scratchentrepreneur.com Our Course - www.newhomebuyersguide.net
Views: 1014 Shine Insurance
Renters Insurance: Just What You Need To Know
 
04:53
Renters insurance is a really cheap, really simple insurance policy. A lot of renters don't think they need it or don't think they can afford it. Nothing could be further from the truth. Here are the three reasons your stupid not to have a renters insurance policy: 1. It's Super Cheap A renters policy will likely cost around $10-$15/month. But here's the thing. Having it usually give you a discount on your auto insurance. So in the end, it can be closer to free! 2. It Protects your Stuff Whether you think you've got much stuff or not, it would likely cost at least $10,000 to replace even your basic clothes and home furnishings. So having a policy that covers replacing them is incredibly important. 3. It Protects your Liabilities It's possible for bad things to happen to other people because of you. If that happens in your car, auto insurance will help. But what if that happens other places? In your home, on your bike, during a sports event? The worst of these scenarios include lawyers and lawsuits. If you have a renters policy, the insurance company will defend you and pay for the injuries or damage. No Renters policy? You'll have to hire lawyers and pay damages on your own...OUCH! So there you have it. If your a renter who has auto insurance it’s a no brainer. Contact your local independent insurance agent and ask them to find you the best company with a renters-auto combo policy. Once you’ve got a quote, post in the comments below if the price for both ended up being cheaper than your auto policy by itself. Learn more about us at: Our Site - www.shineinsurance.com Our Blog - www.shineinsure.com/blog Our Podcast - www.scratchentrepreneur.com Our Course: - www.makeinsurancesimple.com
Views: 225 Shine Insurance
Homeowners Insurance: How Wind Hail Roof Coverage Works
 
03:32
Is your roof covered properly (or at all)? Wind Storms, Tornadoes, and Hail storms are incredibly common throughout the Mid-West. Different homeowners insurance policies can cover the damage they create in vastly different ways. We'll explain the basics to you.
Views: 312 Shine Insurance
Gap Coverage: What you need to know BEFORE you buy a new car
 
02:24
If you’re buying a new car, gap coverage is super important. But there’s the right way and the wrong way to buy it. We’ll explain. Jeremy sits down to talk about why Gap Coverage is important, and how YOU can save money! Here’s an overview: • Gap Coverage is a must! If the value of your car is lower than the amount you are paying on your loan, Gap Coverage will pay the difference and possibly save you thousands! • Buy from the right person! If you purchase Gap Coverage from the dealership, you may be paying upwards of $150 annually. Through your insurance company, it can be as low as $30! Learn more about us at: Our Site - www.shineinsurance.com Our Blog - www.shineinsure.com/blog Our Podcast - www.scratchentrepreneur.com Our Course - www.newhomebuyersguide.net
Views: 138 Shine Insurance
Auto Insurance Explained: At Fault States
 
21:44
You may feel confused about auto insurance now but we're gonna fix that. This easy to understand video is the perfect step-by-step guide to your auto policy. It covers: At Fault vs No Fault States - Learn more here https://www.youtube.com/watch?v=j786W8judN0 Bodily Injury Liability: Liability Coverage is the most important part of your auto policy. Why? Well, you travel around in a huge metal bullet just inches from strangers. Make contact and you’re their worst enemy. Hurting other people’s bodies is much more likely in your car than your house and that’s why auto liability coverage is required by law. Property Damage Liability: While an accident may or may not hurt a person, it will almost always hurt whatever was hit. When that’s someone else’s property this part of your policy covers. “No Fault” states complicate this, but liability coverage is important no matter how your state insurance laws are set up. Un/Underinsured Motorist Coverage: Some people break the law. Others just carry to lowest possible liability limits required by law. So when those people run into you, it’s a bummer. Fortunately, your Un/Underinsured motorist coverage is there to protect you. Comprehensive/Collision: This is what folks call “Full Coverage”. Really, these two items are all about coverage for your car. Comprehensive (sometimes called “Other than Collision”) refers to damage that is not the result of a traditional car accident. Tree limbs falling, garage fires, and impact with an animal fit this category. Collision is a regular old accident. Both have deductibles that you pay before coverage kicks in. Gap Coverage: Covers the difference in the value of the car at the time of the accident and the loan you have on the car. Rental Reimbursement: Coverage for a rental while your car is being fixed. This only applies if the damage to your car is from a covered accident. Roadside Assistance: More and more companies are offering this service as a part of your auto insurance policy. Want the ultimate free video guide to home and auto insurance? It's right here: www.makeinsurancesimple.com Learn more about us at: Our Site - www.shineinsurance.com Our Blog - www.shineinsure.com/blog Our Podcast - www.scratchentrepreneur.com
Views: 906 Shine Insurance
Hurricane Insurance: How it Works
 
11:31
Hurricanes are really scary but if you live on an island or coastal area they can simply be part of life. This video explains how hurricane insurance works and how you can make sure that yours is set up correctly. We’ll talk about: • The three kinds of damage a hurricane can do • How your insurance policy is or isn’t set up to deal with them • A basic idea of what you can expect hurricane insurance to cost Whether you’re just getting prepared for a hurricane or you’ve experienced one and are trying to figure out what to do, we hope this video offers peace of mind and clarity about how it all works. Have questions? Ask them in the comment section below. Learn more about us at: Our Site - www.shineinsurance.com Our Blog - www.shineinsure.com/blog Our Podcast - www.scratchentrepreneur.com Our Course - www.newhomebuyersguide.net
Views: 887 Shine Insurance
How to find the right home (before everyone else)
 
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Narrowing down a list of homes and being the first to see them is a key part of the buying process. Our guest Deb Tomaro, a realtor and radio host, shares some inside tips for finding the right home and being first in line. She answers questions like: • How are homes posted online? • What are the best sites to find homes? • Are there secret sites that have homes not listed elsewhere? • What is an Automatic Search? Should you use it? • What should your realtor be doing for you? • How can you and your realtor think outside the box? Want more? Our New Home Buyers Guide Workbook & Course will walk you through all 9 steps of the home buying process. Get them at https://www.newhomebuyersguide.net How to find Deb Tomaro: www.realrealestatetoday.com [email protected] Learn more about Shine: Our Site - www.shineinsurance.com Our Blog - www.shineinsure.com/blog Our Podcast - www.scratchentrepreneur.com Our Course: www.newhomebuyersguide.net
Views: 858 Shine Insurance
The New Home Buyers Guide COURSE
 
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The New Home Buyers Guide is an online course that walks your through the 9 steps of the home buying process. We address every step in three ways: #1 TUTORIAL VIDEOS – We’ve created super easy to follow videos that dig deep into each step. They explain the basics and give you the inside scoop on what to expect and how the magane the process. #2 THE WORKBOOK – An in-depth workbook that organizes the process. Get checklist, organizers, and explanations of how to save money and relieve stress every step of the way. Includes the Master Checklist, Home Finder Needs Assessment, & the Making An Offer Checklist. #3 CLOSING FACEBOOK GROUP – This is the resource of community. Ask your questions, lament the bad stuff that happens, and celebrate your victories. We’re all in there ready to help and support you. Get access at www.newhomebuyersguide.net Youtube subscribers get it 25% off! www.newhomebuyersguide.net Discount Code: YOUTUBESUBSCRIBER Learn more about us at: Our Site - www.shineinsurance.com Our Blog - www.shineinsure.com/blog Our Podcast - www.scratchentrepreneur.com Our Course - www.newhomebuyersguide.net
Views: 408 Shine Insurance
Applying for a Mortgage: 3 Qualities of a Great Lender
 
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There are tons of mortgage options. So how do you know who’s good and who isn’t? We asked that question to the VP of Ruoff Home Mortgage and Bloomington Branch manager Ryan Langley. He broke down the 3 most important qualities of a good lender. Mortgage Preapproval is Step #1b in our New Home Buyers Guide. Learn more here: https://www.newhomebuyersguide.net Here's an overview of this video:: #1: A Great Communicator There are tons of details that go into getting a mortgage. So working with some who asks all the right questions up front, guides you through the process, and helps you to feel in control is key. If you’re dealing with a call center or people who don’t get back to you for days, that’s a bad sign. #2: Knowledge & Experience The mortgage world is constantly changing especially in the last few years. If your mortgage lender doesn’t have knowledge of those changes and the experience to navigate them you’re in for a messy few months. Pick a lender that has at least five years of experience and can answer the question: “What are some of the new regulations that we’ll have to navigate throughout the process?” #3: A Variety of Mortgage options There are tons of different kinds of mortgages. Conventional, FHA, VA, USDA, or IHCDA loans are just a few. With all these options, it’s important to find a lender that has access to the best one for you. So how do you know what options each lender has? You can start by telling them your financial scenario and ask what options best fit you. If they only have one answer without a thoughtful explanation of the options it may be a red flag. You can also watch our video The 5 steps to Getting a Mortgage. This'll help you to know what steps to take. Learn more about Ryan Langley: Ruoff Home Mortgage Website: http://bit.ly/2hhpju9 Email: [email protected] WANT MORE? Our New Home Buyers Guide will walk you through all 9 steps of the home buying process. Get them at https://www.newhomebuyersguide.net Learn more about Shine: Our Site - www.shineinsurance.com Our Blog - www.shineinsure.com/blog Our Podcast - www.scratchentrepreneur.com
Views: 1311 Shine Insurance
How To FIX Your Credit Score
 
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Your credit score is the first thing to understand and address when buying a house. This video digs into one free way to fix your credit and get a higher score. Here’s the infographic Jeremy refers to in the video: http://bit.ly/2oii2kj Here’s the federal credit report website: https://www.annualcreditreport.com Here’s a link to the first video: How to Find Your Credit Score For Free https://www.youtube.com/watch?v=SdItP9uCb14 Here’s the infographic from that video: http://bit.ly/2oR8kaq NEED A GUIDE FOR THE ENTIRE HOME BUYING PROCESS? We've created it for you right here---https://www.newhomebuyersguide.net Use the discount code CLOSING to get 25% off Learn more about us at: Our Site - https://www.shineinsurance.com Our Blog - https://www.shineinsure.com/blog Our Podcast - https://www.scratchentrepreneur.com Our First Time Home Buyers Guide - https://www.newhomebuyersguide.net
Views: 531 Shine Insurance
Homeowners Claims: How They Work
 
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Homeowner’s policies protect your home, your stuff, and the bad things that could happen to others because of you. So how does that coverage work in a claim? Video Breakdown: Review - 1:24 What to do first first- 2:28 • Call 911 - 3:03 • Stop Further Damage - 3:35 • Don't Admit Fault - 5:40 Submitting The Claim - 6:45 Claims Adjuster- 10:33 The Property Claim Process - 12:49 • Determine coverage - 13:25 o Adjuster collects info & determines "Cause of Loss"- 13:33 o Decide if there is coverage - 14:32 • Make You "Whole" - 17:25 o Replacement Cost vs ACV - 19:20 o Does the company do the work? - 22:00 • Loss of Use (Additional Living Expenses) - 23:35 The Liability Claim Process - 24:08 Rookie Mistake - 29:10 Being mean to your claim adjuster Letting contractors manipulate you Outro - 31:30 Special Celebration - 34:00 There you have it! Want more from Shine? Our Channel – https://www.youtube.com/shineinsuranceguru Our Site - www.shineinsurance.com Our Blog - www.shineinsure.com/blog Our Podcast - www.scratchentrepreneur.com Our First-Time Home Buyers Course - www.newhomebuyersguide.net
Views: 1332 Shine Insurance
Home Inspection: 5 Common Red Flags
 
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The inspection is one of the most important parts of the home buying process. We'll share 5 issues that could be red flags when you get the inspection. What is an inspection? This is when a professional inspector gives the home your buying a health test. She will look at every little part and tell you the good, bad, & the ugly. So what are they major issues they could find? In this video, Rollie Mason of Mejaro Inspections explains. You can find him at www.mejaro.com Need a guide for the entire home buying process? Check out our course: www.newhomebuyersguide.net Use the discount code CLOSING to get 25% off Learn more about Shine: Our Site - www.shineinsurance.com Our Blog - www.shineinsure.com/blog Our Podcast - www.scratchentrepreneur.com
Views: 521 Shine Insurance
Deep Fried Turkey Fails
 
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Turkey Deep Fryer Gone Wrong - How not to deep fry a turkey. Lots of folks deep fry turkey and it's delicious. But overfilling the vat creates a hot mess! So deep fry that bird all you want but do it outside, use a system made for it, and don't overfill it. You definitely can laugh at these folks though. #noinsurance4u
Views: 82423 Shine Insurance
Tree Fell On My House: Who’s Insurance Pays?
 
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Trees falling on your house can cause major damage. But what if the tree was your neighbors? Does their insurance pay or does yours? This video answers that question for ya. Learn more about us at: Our Site - www.shineinsurance.com Our Blog - www.shineinsure.com/blog Our Podcast - www.scratchentrepreneur.com Our Course - www.newhomebuyersguide.net
Views: 259 Shine Insurance
Primal Branding: A review of Patrick Hanlon's book on building a tribe
 
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There are lots of theories on how to build a strong brand. In this video, we review one of the best: Patrick Hanlon's book Primal Branding. We'll explain his strategy for building raving fans who love being a part of your tribe. GET THE BOOK HERE: http://amzn.to/2jH9y30 Here's a overview: 1. Story       People wanna know how you started and how you came about. The better you can express that in a way that connects, the better. 2. Creed What are you here for? Why are you doing that you do? How does that make you unique? Can you explain that in 5 words or less? If you can your on your way to a solid creed. 3. Icons Nike has the swosh. Mcdonalds has the golden arches. You need a identifiable icon associated with your brand. A logo of some kind that is identifiable with your brand. It doesn’t always have to be a visual symbol. Some companies have used a jingle that people easily identify. What ever your icon is it should be simple and memorable. 4. Rituals There are tons of rituals throughout our life. Religions have rituals, sports teams have rituals, your brand should have rituals as well. Is it the way you communicate? Something you wear? What is something that people come to expect from your brand? 5. Non-Believers Having someone who isn't for you is a GOOD THING! If you have someone you’re not for, then it makes you more powerfully for someone else! Make your company built around the customer you ARE for. Don't try to capture all of the non-believers. You should be able to distinguish between who is a believer and who isn’t. 6. Sacred Word The lingo and the language that people within your tribe understand. People in your brand will be able to talk about certain topics that the nonbelievers wouldn’t recognize. This creates a strong connection. A member of your tribe is on the "in" when they know your sacred words. 7. Leaders A great brand is going to need a leader. Who is present in the brand? Are you the leader of your brand? If not, does the leader correctly communicate your brand in a positive light? You don’t have to be the leader of your own business. Teams will use a mascot as their team leader. The importance is that people will want to connect with your leader and be apart of what they display. Patrick goes into great detail about each of these topics telling stories and relating each idea to successful brands. Then he lays out how you can build a primal brand too. GET THE BOOK HERE: http://amzn.to/2jH9y30 WHAT DO YOU THINK OF THE TRIBAL IDEA? LET US KNOW IN THE COMMENTS BELOW! Learn more about us at: Our Site - www.shineinsurance.com Our Blog - www.shineinsure.com/blog Our Podcast - www.scratchentrepreneur.com Our Course - www.newhomebuyersguide.net
Views: 237 Shine Insurance

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