Can Homeowners Insurance Be In Someone Else’s Name? – Decatur AL



This is Tonya Crow with Kilgro & Associates Insurance. I’m coming to you today with just a quick little tidbit of information. I recently took a call and had a question. Someone wanted to insure a home that was not deeded to them. They were not the homeowner but they were living there. They were doing an owner finance type situation but they were not the deeded owner of the home. In this case, they cannot ensure this home in their name because the deed is still in the other homeowner’s name, and so they have to be the one that ensures this property. They could be listed as an additional insured on the homeowner’s policy but they cannot insure the home in their name.
Now, in regards to their personal property that is inside the home, they would need what would be referred to as a renter’s policy. That provides coverage for their content or personal property that is inside the home so they would need to decide the value of their content and we would write a policy in their name at the particular property address. Then they would have that property insured, just not the structure of the home itself.
Hope this answered a question for you maybe that you’ve had, wondered about if you’re a renter or thinking about doing an owner finance situation for yourself. Just a little tidbit of information, and we will be coming back to you soon with more tidbits that maybe things that you didn’t know about insurance because you don’t know what you don’t know, right? Stay tuned and we’ll be back.

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Commercial Auto Insurance Explained – Decatur AL



Key elements to Commercial Auto Insurance coverage with Kilgro and Associates Inc.

Call Kilgro and Associates Inc in Decatur AL at (256) 350-8241

Business Insurance Coverages – Cases #5 and #6 – Decatur AL



The final segment in our video series about what insurance a small business actually needs.

Bad Luck Case #5
We review the need for Employment Practices Liability Insurance.

Bad Luck Case #6
A Key Man Life Insurance Policy would have been very helpful, giving the business valuable time to recover from the loss.

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Business Insurance Coverages – Cases #3 and #4 – Decatur AL



As we continue our series of business insurance examples…

See how Bad Luck Case #3 might have been improved with a Property Insurance Policy that included Debris Removal Coverage, along with Business Income Insurance.

Bad Luck Case #4 reveals a very real need for Cyber Liability Insurance with Data Ransom Coverage

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Business Insurance Coverages – Cases #1 and #2 – Decatur AL



What insurance does a small business actually need?
Much of a business’s success depends on how well it can overcome obstacles.

Kilgro and Associates Inc is here to help guide you through the perils that you likely don’t anticipate.

Bad Luck Case #1
In this example, the hefty legal and judgment costs would have been covered by Hired and Non-Owned Auto Liability Insurance, up to purchased policy limits.

Bad Luck Case #2
ACME had Worker’s Compensation Insurance that covered Julie’s expenses, but not Colleen’s. The state identified that ACME had misclassified Colleen, which led to hefty penalties and judgments for medical costs and damages.

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The Advantages of Our Workplace Supplemental Benefits Offerings – Decatur AL



Did you know that there is a solution to rising healthcare costs that can save both employees and employers money?

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Tragic Mackey Family Story (The Impact of Life Insurance) – Decatur AL



Don’t let what happened to the Mackey Family happen to yours.

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Kilgro and Associates Inc Concierge Program – Decatur AL



Finding the best service providers in town can be frustrating. That no longer needs to be the case, because Kilgro and Associates Inc has a listing of other local businesses that have been highly recommended by our valued customers!

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An Intro To Kilgro and Associates Inc – Decatur AL



At Kilgro and Associates Inc, we believe you deserve top quality service… Period. That’s why we’re committed to giving you the best of us. We’ll always make sure you have the right coverage, the right discounts, and can take comfort in knowing the things that matter most to you are protected. We also believe in giving back! As Agents of Change in our community, we’re dedicated to helping others live well and thrive!

Call Kilgro and Associates Inc in Decatur AL at (256) 350-8241