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Looking for low cost homeowners insurance? Want to get the best rate with a top-rated company? Here s how …

How much homeowners insurance do I need?

You need enough homeowners insurance to cover the cost of rebuilding your home if it s destroyed. You can determine this cost by calling a builder or a real estate agent to get the local building cost per square foot. Multiply this figure by your home s square footage to get the amount of structural coverage you need.

In addition to structural coverage you need insurance to replace your personal possessions if they re damaged or stolen. Most homeowners policies give you coverage for your personal possessions equal to 50% to 70% of the amount of your structural coverage. If your possessions are worth more than that you can ask your insurance agent to add more coverage.

You also need enough insurance to pay for a bodily injury or a property damage lawsuit when you re found to be at fault. Most homeowners insurance policies prov (more...)

Many insurance agents are retiring and through succession planning redirecting their clients new agents. These tips may help to ensure a successful transition that leads to improved business results through sustainable business growth.

Communicate your retirement earlier. Give your clients enough time to accept the transition and allow another agent time to personally contact your clients.

Provide a mechanism to allow clients to stay or to leave to another agent. Since the bottom line is not to lose a client for the insurance carrier, provide a strategy that allows the client to freely change agents within the same insurance company.

Relationships are the key. With all the insurance companies offering similar if not the same products, keeping clients are all about relationships. Working those relationships through individual calls, individual handwritten notes to full color stationery (not black and white form letters) are just three examples to building and reinforcing existing relati (more...)