Cheap Landlord Insurance Guide – What Landlords Need In Insurance

Author: Steve Gillman
Source: articledashboard.com

Do you want cheap home insurance? There are cheaper companies, so you should get at least several quotes. But there are things you can do to make your homeowners insurance cheaper wherever you buy it. Here are four of them.

Four Ways To Get Cheap Home Insurance

1. Lower the coverage on contents.

Some companies will have coverage minimums, but many will let you lower your contents coverage. So if you don’t have $50,000 worth of things in your home, why pay for that much coverage? In any case, when you make a claim, the insurance company isn’t going to pay for value that wasn’t there. Of course they’ll collect the higher premiums for it – but only if you let them.

2. Raise that deductible.

Remember what home insurance is for. It is primarily for disasters, not small stuff, so why have a $100 deductible? Raise the deductible to $900 and you’ll save money on the policy every year. If you think you won’t have that $900 if a fire happens someday, you need focus more on your budgeting.

There is another way to deal with this. Suppose the annual premium $90 less with a higher deductible. Why not put that $90 into its own savings account each year. With interest you’ll have the whole deductible covered in eight or nine years. Continue this, and if you have no disasters, you’ll have thousands of dollars extra for retirement.

3. Get a multiple-policy discount.

You can often get a lower rate if your car is insured with same company as your home, or if you have more than one property insured with them. Look at the limits and cost of the auto policy carefully, though. You need to fairly compare this with the alternatives.

4. Get other special discounts.

If you don’t smoke you can usually get a discount (a lot of house fires are started by cigarettes). Having security alarms might get you a discount as well. Ask about any other discounts you might qualify for.

You’ll probably find that independent agents are best for finding cheap home owners insurance. Since they’re not limited to one insurance company, they can sell policies from the companies that are the cheapest, and suit your needs. You can also get quotes online.

Wherever you search, ask a lot of questions. There are more ways than the four listed above to get a cheap home insurance policy. Make sure the policy is clear about what is covered and what isn’t. Take a few notes, including exact policy limits and deductibles. You need this information to accurately compare a quote to others.

Once you have a few quotes, check out the companies. Type “insurance company ratings” into Google or any search engine and you’ll find free information on the financial strength of the various companies. After all, you want not only cheap home insurance, but a solid company standing behind that policy.

Author: Chris B. Jenkins
Source: ezinearticles.com

How you convey your message to motivated sellers when you are trying to attract them to your real estate investment business is just as important if not in some cases more important than what your message is. Some of the best tools you can use is copy-writing tips which make your message not only stand out but also unforgettable. Some of these tips are covered in other articles and include such concepts as writing attention grabbing headlines and using emotion to tap into the readers sense of urgency. Highlighting your key points of service versus your competitors and if you have a staff making a personal connection between your staff members and the prospect is also important.

Here were going to discuss some of the most important aspects of copy-writing that will make or break your ability to effectively create a response form the reader. The first concept is PROOF. Proof means creating part of your message which proves your credibility and ultimately your trustfulness in the minds of your prospects. Remember that a prospect will never give you their business if they cannot look at you with a sense of trust, after all in the end your dealing with their money. The simplest way to create a sense of proof in your message is to collect facts about your past accomplishment and present them in a categorical way, but be careful not to appear to be tooting your own horn so to speak. Arrogance, even if its unintended or only perceived will hurt your efforts to make connection more than the proof is worth.

Second is INTEGRITY. Most people are naturally skeptical when it comes to doing a business transaction with someone they just met. The skepticism grows exponentially the larger the transaction is . This in understandable considering the amount of scams and double deal which have proliferated the industry in recent years, its just human nature to not trust in those circumstances. The important thing here is to not come across as selling anything, you must come across as a real person who has a genuine interest in helping this other real person to reach their goal, and you reach your by association.. You can build integrity with the prospect in a variety of ways. The simplest and most effective way is to construct your message very carefully using the bar stool approach, this is where you have built the message so carefully that the script of the message is perceived as the informal talk of a couple of people sitting at a bar. Drop the formal language and correct grammar, lose the statistical numbers and industry buzzwords, most modern prospects are very intelligent and are aware of when they are being worked so you have to be a kinder gentler kind of messenger for those who are “speak savvy”. Make a connection as a person to a person. The fact is when you feel like you can have light conversation with someone whom you drinking a beer with you have a tendency to be more trusting in that person, and trust makes sales!

Finally, did you know there are 7 secrets that most successful Real Estate Investors don’t want you to know? In my free report SHOCK & AWE Crisis Investing, I’ll reveal these and many more techniques that can improve your bottom line almost immediately. You’ll learn how to profit in any economic climate (that’s something I bet you’re interested in right now), how to be in the top 2.3% of investors who Never have to struggle to make money and you’ll also learn the #1 reason you must change your business model right now.

Remember the report is free – Don’t Miss Out – Click Here Now!

Author: Alex Bezborodko
Source: articleage.com

Every experienced real estate investor understands that to
succeed in property investing you need to study special texts,
learn different investing techniques and never stop searching
for new information.

But what if you just recently decided to start investing?

You would like to improve your financial situation and build
serious wealth using the oldest, most reliable form of
investment on earth but have no idea where to start. Maybe you
think it’s a good idea to attend a “super” seminar for $10 000.
Will it be just a plain waste of money and time? What if at the
end you decide that fixing toilets and arguing with tenants is
not your favorite kind of hobby and would rather do something
else? Great, but you just lost a valuable time and money in the
process by learning something that you will never really use in
your life.

I have some very good news for you. You can start learning
different ways of real estate investing completely for free by
using many valuable Internet resources described below. In most
cases the information presented is completely free, but in some
instances you will have to provide your e-mail address.

One of the easiest and safest ways to start gaining real estate
investment experience and some spare cash for your future deals
is by bird-dogging, or in other words, providing qualified leads
to more accomplished investors. You don’t need money or good
credit to start as a bird-dog and you will learn a lot working
with real investors and real deals.

The Real Estate Jobber Course written by Barry Grimes is devoted
exclusively to all aspects of real estate bird-dogging. It
includes five massive volumes with over 1,000 pages of material.
Download the first volume for free by clicking here: http://www.shop.reidepot.com/Grimes/

The Lease Option (Lease Purchase, Rent To Own) method of real
estate investing also doesn’t need a large amount of initial
cash investment and good credit ratings. It also can be done in
your spare time without excessive risks, but this technique is
more involved from the procedural point of view and needs a
higher level of knowledge and experience than bird-dogging.

Several years ago two famous real estate authors Peter Conti and
David Finkel released a very practical and informative book
called “How To Create Multiple Streams of Income Buying Homes in
Nice Areas With Nothing Down!” devoted mostly to the Lease
Option method acquiring and controlling real estate without
actually buying it. You can buy this book in your bookstore for
about $20.00, but why would you want to do that when you can get
this book for free from the author’s web site at: http://www.resultsnow.com/freebook.php

Arguably one of the most profitable ways of property investing
is buying foreclosures or pre-foreclosures. A foreclosure or
distressed sale begins when the owner stops making mortgage
payments. Thousands of investors make a business out of buying
foreclosures for profit. The main problem here is that you have
to know what are you doing if you want to avoid big and costly
problems.

To download the popular book “How to Buy Foreclosures”, plus an
additional book which will help you to fix all your credit
problems, just trade your email address here: http://www.reidepot.com/subscribeform.html

Many homeowners with little or no equity at all have big
difficulties selling their property because they have to come up
with additional cash to pay for real estate agents’ sales
commission and so they are ready give up this property for free.
If an investor takes this property without qualifying for the
new mortgage and continues to pay the original owner’s mortgage
payments he is taking this property “subject to existing
financing”. Some lucrative deals could be done here.

Again, instead of buying the very informative book by Bill
Gatten called “No Down! No New Loan!” in the bookstore, download
the electronic version of the book for free from the author’s
web site at: http://www.landtrust.net/articles/index.jsp

You can make hundreds of thousands of dollars by buying a
run-down house at the right price, using the correct finance
structure, fix it up for the least possible cost and then sell
it for maximum profit, or hold and use the newfound equity to
help fund your next property.

To read several free chapters from the bestselling book “Fixer
Upper Profits” by Sal Vannutini please visit this web site: http://www.fixer-upperfortunes.com

I barely scratched the surface here. If you are persistent
enough, you can find much more free valuable real estate
investing educational materials, including more free books,
reports, real estate forms and even free audio and video
presentations. Fire up your computer and start searching.

Here are two more links that you will find very helpful:

The first link is an internet forum called “Links to every free
real estate ebook known to man” belonging to the author of the
best-selling book “Magic Bullets In Real Estate” by Dan Auito.
http://www.magicbullets.com/forum/forumdisplay.php
?f=38

By following this second link you will find a page where many
other free real estate investing books, courses, reports and
audio recordings are listed. http://www.reidepot.com/links/freebies.html

The real estate industry has created more millionaires than any
other area of business; so don’t let the lack of money stop you
from learning this enormously profitable way of life.

Good luck!

Alex Bezborodko

Author: Stephen Kreutzer
Source: articleage.com

Real estate differs from one state to the next. When buying real estate in Florida you should know the laws and rules that will effect you. Some things, however, are universal and apply to anyone buying real estate anywhere. These things are also important to know before getting into a real estate transaction.
There are two relationships between buyers and agents in Florida, Buyers Agents and Transactional Brokers. A buyers agent is a representative of the buyer. The buyers agent is required to look for the best interests of the buyer. They must tell the buyers everything about the real estate transaction and follow any direction of the buyer. A transactional buyer does not represent the buyer. They are there to sell real estate. They are not required to tell the buyer everything about the transaction. For specific information regarding a buyers rights in Florida you should contact the Florida Real Estate Commission.
In general when buying real estate a person should follow some simple real estate rules