Insurit Agency

04/14/2026

Your condo association’s insurance does not cover your unit.

Most owners assume it does. That assumption is what creates a five-figure gap when there’s a fire.

Two types of master policies. “Bare walls in” and “all-in.” The difference determines how much of your unit you’re personally responsible for insuring.

Two things to check tonight:
1. What type of master policy does your association carry?
2. Is your HO-6 dwelling limit enough to cover the difference?

Do you know the answers?

04/13/2026

Having insurance and being properly insured are two different
things.

A client’s condo caught fire last November. They had both. And they’re still displaced, limits maxed, construction not started.

This week I’m breaking down the 4 coverage problems one fire exposed. Each one applies to you right now.

04/13/2026

Two words buried in your homeowners policy could cost you $27,000 on your next claim. Most homeowners have no idea whether they have “replacement cost” or “actual cash value” — and the difference is devastating when a tree comes through your roof.
Here’s the quick version: replacement cost pays to replace what was damaged. Actual cash value deducts depreciation first. On a 15-year-old roof, that depreciation can be $27,000.
Pull up your policy tonight. Look for the words “replacement cost.” If you see “actual cash value” instead — that needs to change before the next Michigan storm.

04/10/2026

Understanding Percentage-Based Deductibles in Hail Insurance Claims

04/08/2026

Real Estate Investor Mistake #2: Failing to Require Renter’s Insurance

04/07/2026

04/06/2026

Protecting Your Rental Property

04/04/2026

Should Each Rental Property Have Its Own Insurance Policy?

04/03/2026

What Happens If Your Property Is Underinsured?

04/01/2026

How Much Umbrella Coverage Should a Real Estate Investor Carry?

03/31/2026

Why Real Estate Investors Need Umbrella Policies

03/30/2026

How One Property Claim Can Destroy Your Entire Real Estate Portfolio