Luxury Miami Real Estate

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550 South Dixie Highway

Coral Gables, FL 33146

Cell: 305-798-8685

Office: 305-960-5330

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Archive for the 'Miami Home Insurance' Category

It’s Time For Your Homeowners Insurance Annual Checkup

It’s one of those documents most of us stash in a safe or in an out-of-the-way place, the document that you value and simultaneously avoid, your homeowners or renter’s insurance policy. We were all just reminded by Hurricane Irma that it is important to locate your policy and give it a read. The fact is, it’s time for your homeowner’s insurance policy’s annual checkup!

Why? Here are just a few reasons:

  • Type of coverage. Is it ACV or Replacement cost? ACV stands for “actual cash value” which means depreciation is deducted in the event of loss.
  • Liability limits.
  • Accurate inventory. As your possessions come and go, they need to be reflected in the policy. This is where over-insuring is most commonly spotted.
  • Deductible. The amount of deductible in your Miami homeowners or renter’s policy is where you can reap significant savings…if you are willing to absorb more of the expense should a loss occur.
  • Discount. If you have more than one type of insurance policy with the same company or are a long-term customer with few claims, you might qualify.

I know this isn’t the fun topic people want to think or read about, but we, in South Florida, know how important it is!

If you are in the market to either buy or sell a home, I would love to help you! Call me at 305.798.8685, or visit my website at: Luxury Miami Real Estate

Luxury Miami Real Estate

My focused dedication as a realtor in my home town of Miami for over 25 years, consistently puts me at the top of my field. Whether you’re looking to buy or sell your home, let me help you from start to finish with my results-proven: professional marketing, excellent property exposure and comprehensive experience.

Consistently in the top 10 company-wide at EWM for the past 15 years, my focus is on Coral Gables, Coconut Grove, Pinecrest and South Miami — specializing in luxury real estate and waterfront properties. Call me today and let’s get started!

Don’t hesitate to reach out to me, Ashley Cusack at {305.798.8685, email and website}. Senior Vice President, EWM Realty International.

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Insurance According to the Expert

Luxury Miami RealtorInsurance is a key part of the home buying process in Miami. I asked my friend and insurance agent, Patrick Battle from Keen Battle Mead to give a brief overview of the current market. Patrick says, “The Florida homeowner’s insurance rates are starting to stabilize and may continue to do so for the near future if storms continue to bypass Florida. It’s been 8 years without a major hurricane hitting the state. Let’s hope the balance of the 2014 hurricane season remains quiet. However since you never know, please have a hurricane plan and be prepared to protect your family and your home. To mitigate damage to your home, all openings should have hurricane protection and if possible make sure your roof is strapped down to current code. When buying a home please reach out to your insurance agent early in the process and get your homeowners insurance taken care of so your closing goes as smooth as possible. It’s all about peace of mind!”. For more information on this issue or any of your other real estate needs, please contact me or visit my website: Luxury Miami Real Estate.

Luxury Miami Real Estate

My focused dedication as a realtor in my home town of Miami for over 20 years, consistently puts me at the top of my field. Whether you’re looking to buy or sell your home, let me help you from start to finish with my results-proven: professional marketing, excellent property exposure and comprehensive experience.

As the #3 Realtor company-wide at EWM in 2012 with over $55 Million in sales, my focus is on Coral Gables, Coconut Grove, Pinecrest and South Miami — specializing in luxury real estate and waterfront properties. Call me today and let’s get started!

Don’t hesitate to reach out to me, Ashley Cusack at {305.798.8685, email and website}. EWM Realtors.

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