Smart Insurance Agency, 21134 Costanso Street, Woodland Hills, CA (2026)

-Home, Auto, Umbrella, & Life /-Long Term Care/-AFLAC/-Business/Commercial/-General Liability, Bond, E&O/-Workers Comp/-Health Insurance (individual & Group)/-Workers Comp/-Health Insurance/

Disclosure: farme.rs/disclosure

05/25/2026

Today, we pause to remember and honor the brave men and women who made the ultimate sacrifice for our freedom. Their courage and dedication will never be forgotten. From all of us at Smart Insurance Agency, we extend our deepest gratitude.

04/15/2026

Smart Insurance Agency Training Day

Spending the day with my team (half of them)! 💙❤️

04/12/2026

🎉 15 YEARS OF SMART INSURANCE AGENCY🎉

Smart Insurance Agency is officially 15 years strong! 🙌

This journey has been nothing short of incredible, and I can’t celebrate without thanking the people who made it possible:

💙 Referral Partners: Your belief in us fuels our growth
💙 Our Clients: You are our why
💙 Our Community: Your support has meant so much

15 years ago, I had a vision. Today, I have a legacy—built with all of you. 🖤 And there is so much more to come!

From the bottom of my heart, THANK YOU for making Smart Insurance Agency a trusted name.

Let’s go for 15 more! 💪✨

03/27/2026

Seller’s Renters Insurance Is Often Missing

The Overlooked Risk That Exposes Everyone

Sellers staying in the home after closing often think: “I don’t need renters insurance…I used to own the house.” Unfortunately, that assumption creates one of the biggest liability gaps in leaseback transactions.

Why Sellers Become Renters Overnight
The moment escrow closes:

• Seller no longer owns the home

• Seller’s homeowners policy typically terminates

• Seller becomes a tenant

That means their personal property and personal liability are no longer automatically protected.

What Renters Insurance Actually Covers
A renters policy protects the seller-turned-tenant by covering:

• Personal property

• Personal liability

• Loss of use

• Legal defense if someone is injured due to their negligence

⚠ The buyer’s policy does not cover the seller’s belongings or personal liability.

Why Buyers Are Also at Risk
If the seller has no renters insurance:

• Buyer’s landlord policy may become the first line of defense

• Claims may escalate into lawsuits

• Buyer may face uncovered losses

That’s why renters insurance isn’t just a seller issue—it’s a transaction risk issue.

What Smart Real Estate Agents Do During Leasebacks
The most proactive agents:

• Require renters insurance from the seller/tenant

• Set minimum liability limits

• Require the buyer to be listed as Additional Insured

• Coordinate with the buyer’s insurance agent to confirm that policies align & coverage dates match leaseback terms

This protects both sides of the transaction.

Final Takeaway for Agents
Leasebacks are not just real estate agreements—they are insurance and lending events. Real estate agents who understand this reduce risk, prevent disputes, and elevate their professional value.

Address

21134 Costanso Street
Woodland Hills, CA
91364

Telephone

+13232912222

Website

http://www.smart-insuranceagency.com/

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