Episode 323: Understanding Insurance Coverage for Homeowners and Renters, with Jill Brumbaugh

Jill Brumbaugh is a dedicated insurance and financial services professional with a passion for helping individuals, families, and businesses secure their financial futures. With extensive experience in the insurance industry, Jill specializes in crafting personalized coverage solutions that provide peace of mind and long-term security.

Her expertise spans auto, home, life, health, and business insurance, ensuring that clients receive comprehensive protection tailored to their unique needs. Known for her client-focused approach, Jill takes pride in educating her customers, simplifying complex policies, and guiding them through important financial decisions

What You Will Learn:

• Who is Jill Brumbaugh?

• How did she transition into the insurance industry?

• What are the key differences between replacement cost and actual cash value in homeowners insurance?

• Why is it important for homeowners to understand the distinction between replacement cost and market value?

• What types of personal property should be scheduled for additional coverage in homeowners insurance?

• What are the implications of choosing basic fire coverage versus an all peril policy for rental properties?

• How can landlords protect themselves and their properties with the right insurance coverage?

• What are the differences between named peril and all peril policies for rental properties?

• Why is it important for tenants to have renters insurance, and what does it typically cover?

• What factors should landlords consider when requiring tenants to have renters insurance?

• What is the purpose of bundling insurance policies, and how can it benefit homeowners?

• How do claims follow a homeowner if they move to a new property?

• What is the Lexus Nexus database, and how does it relate to insurance claims and property history?

• What are the implications of having a vacant property for more than 30 days regarding insurance coverage?

• What types of coverage should landlords consider for vandalism and burglary in rental properties?

• What is service line coverage, and why might homeowners want to consider it?

• How does flood insurance work, and what should homeowners know about its requirements?

• What are the potential risks of not having water backup coverage for older properties?

• How can homeowners increase coverage for detached structures on their property?

• Jill shares how everyone can contact her.

Additional Resources from Jill Brumbaugh:

• Website: https://agents.allstate.com/jill-brumbaugh-monaca-pa.html

• Email: [email protected]

• Phone: [phone]

• LinkedIn: https://www.linkedin.com/in/brumbaughinsurance/

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