The housing market is very competitive right now-especially in our Huntsville/Madison Alabama and greater Tennessee Valley areas.
Increase your chances of securing your dream home by having a lender, like us, respond to you and your real estate agent quickly when you have home loan questions and needs such as a pre-approval letter sent over fast.
A faster offer allows your real estate agent to be a stronger negotiator for you!
Are you in the market for homeowners insurance? Here are our top 4 tips:
𝟭. 𝗔𝘀𝗸 𝗳𝗼𝗿 𝘁𝗵𝗲 𝗔.𝗠. 𝗕𝗲𝘀𝘁 𝗥𝗮𝘁𝗶𝗻𝗴. Think of this as an insurance company's "report card," predicting its ability to meet its ongoing obligations to its insured.
𝟮. 𝗜𝗻𝘃𝗲𝘀𝘁𝗶𝗴𝗮𝘁𝗲 𝗔𝗖𝗩 (𝗔𝗰𝘁𝘂𝗮𝗹 𝗖𝗮𝘀𝗵 𝗩𝗮𝗹𝘂𝗲) 𝘃𝘀. 𝗥𝗲𝗽𝗹𝗮𝗰𝗲𝗺𝗲𝗻𝘁 𝗖𝗼𝘀𝘁 𝗽𝗼𝗹𝗶𝗰𝗶𝗲𝘀. Simply put, Replacement Cost policies will pay the full original value of an item (in today's dollars) while ACV policies pay out based on depreciated value.
𝟯. 𝗚𝗲𝘁 𝗮𝗽𝗽𝗿𝗮𝗶𝘀𝗲𝗱 𝗲𝘃𝗲𝗿𝘆 𝟱 𝘆𝗲𝗮𝗿𝘀 to make sure you still have the correct amount of coverage.
𝟰. 𝗜𝗻𝗰𝗹𝘂𝗱𝗲 𝗱𝗲𝘁𝗮𝗰𝗵𝗲𝗱 𝘀𝘁𝗿𝘂𝗰𝘁𝘂𝗿𝗲𝘀 like sheds or barns on your policy, but only insure the structures that would definitely need to be replaced.
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