State Farm

FROZEN WATER PIPES – Here in the desert?

2021-12-29T14:44:22-07:00December 29th, 2021|Newsletter, State Farm|

YES RIGHT HERE !!  Think it doesn’t happen here?  Think again !!!   If you have never experienced frozen water pipes, perhaps you do not understand the severity of this situation.  When water pipes freeze, the water expands and splits or cracks the pipe. Then, when the water is under pressure, it finds that crack, [...]

Unprofessional Work May Disqualify Your Insurance Claim

2021-11-15T15:07:12-07:00October 31st, 2021|Newsletter, State Farm|

There is always the temptation to have maintenance work performed by ‘casual labor’ or other un-licensed people. Take a few minutes to review the information found on the Arizona Registrar of Contractors website ( and you may save yourself a lot of headaches down the road. Most investors know that anyone who performs work costing [...]

The Umbrella Policy – Chapter 2

2021-11-15T15:07:35-07:00August 31st, 2021|Newsletter, State Farm|

An “Umbrella Policy” is an additional insurance policy that provides an extra layer of liability or lawsuit protection. In general, this is a policy that many people with higher incomes or higher net-worth should consider purchasing. And remember, people who own real estate income property would probably fall into one of these groups. Most ‘Personal [...]

Things You Need to Know When Investing in Condos…

2021-11-15T15:07:58-07:00June 30th, 2021|Newsletter, State Farm|

… or Townhomes, or Patio Homes with a Master Insurance Policy There are many great opportunities for investors when it comes to rental condominiums, but some investors don’t realize that condos can be a complicated minefield if you don’t understand what you’re doing. In this article, I am going to limit my discussion exclusively to [...]

Property Prices are Up – But So are Construction Costs

2021-11-15T15:08:17-07:00April 30th, 2021|Newsletter, State Farm|

Home insurance is designed to put the investor-owner back where he or she was before a storm or a fire turns a great rental property into a pile of ashes and debris. Remember, the correct insurance amount must be enough to rebuild the home in case of a severe or total loss. We are talking [...]

Liability Insurance: How Much is Enough?

2021-03-01T22:02:27-07:00March 1st, 2021|Newsletter, State Farm|

The liability limits on the owner’s/landlord’s insurance policy are perhaps the most important part of the overall insurance package. This is where you do not want to just ‘check a box’ and say, “Liability Insurance – Yes I’ve Got That!” This is where everyone needs to look at the policy limit and decide if that [...]