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All Forum Posts by: Casey J Burkhead

Casey J Burkhead has started 0 posts and replied 118 times.

Post: Property Ins. in Cleveland area does not cover burst pipes?

Casey J Burkhead
Posted
  • Insurance Agent
  • Beaver Falls, PA
  • Posts 124
  • Votes 81

I've never heard of that.  If the property isn't occupied at the time of loss, that's a different story.  But if it's occupied with working central heat, then it should be covered on a standard Landlord Dwelling policy.  I agree with the prior two responses that you should look into getting a different policy.

Post: Looking for Contractor in Beaver Falls for a duplex remodel.

Casey J Burkhead
Posted
  • Insurance Agent
  • Beaver Falls, PA
  • Posts 124
  • Votes 81

I would recommend Birchler Contracting. Message me if you want more info. 

Post: Property Insurance in Pittsburgh

Casey J Burkhead
Posted
  • Insurance Agent
  • Beaver Falls, PA
  • Posts 124
  • Votes 81

Hi Jordan, I work with many property investors in the Pittsburgh area.  Shoot me a message if you would like to discuss this.

Post: umbrella policy on investment property

Casey J Burkhead
Posted
  • Insurance Agent
  • Beaver Falls, PA
  • Posts 124
  • Votes 81

Hey John,

As long as you have an underlying renters policy with liability coverage, PersonalUmbrella.com should underwrite an umbrella for you.  Your broker would have to get appointed with them or you would have to contact an Agent who is appointed.

Post: Should I opt for extra liability insurance coverage?

Casey J Burkhead
Posted
  • Insurance Agent
  • Beaver Falls, PA
  • Posts 124
  • Votes 81

Hi Dave,

My recommendation to my clients is to always have at least as much liability coverage as you have in personal assets or net worth.  If an incident were to occur and you are sued, one of the first things the attorney will do is try to find out how much they can get out of you.  Also, keep in mind that they can sometimes sue for future assets.  In my opinion, individuals with multiple investment properties should always have extra liability coverage or an umbrella because of their exposure to additional risk.  And the average cost of that additional coverage is relatively inexpensive.

Post: Suggestions for umbrella policies

Casey J Burkhead
Posted
  • Insurance Agent
  • Beaver Falls, PA
  • Posts 124
  • Votes 81

Hi Patty,

Personalumbrella.com is what I use for my clients for stand-alone umbrella policies. 

Post: Cincinnati Landlord Insurance

Casey J Burkhead
Posted
  • Insurance Agent
  • Beaver Falls, PA
  • Posts 124
  • Votes 81

Hi Ben,

I'd be happy to steer you in the right direction if you'd like to message me directly.

Post: Looking for good Personal Umbrella Policy Company

Casey J Burkhead
Posted
  • Insurance Agent
  • Beaver Falls, PA
  • Posts 124
  • Votes 81

Depending on who your auto insurance / primary home insurance carrier is and how many rentals you actually have, they should be able to provide you with an Umbrella quote.  For those investors who have 5+ properties, I usually recommend personalumbrella.com.  They write stand-alone umbrellas.

Post: Looking To Control Insurance Costs

Casey J Burkhead
Posted
  • Insurance Agent
  • Beaver Falls, PA
  • Posts 124
  • Votes 81

Nate,

I would check out REI GUARD. They are a great option for property investors with more than 4 properties and in multiple states. REI Guard

Post: Property Insurance

Casey J Burkhead
Posted
  • Insurance Agent
  • Beaver Falls, PA
  • Posts 124
  • Votes 81

Hi Shanel, 

Your best bet is finding an independent agent who has access to several insurance companies in order to find what best fits your needs. It would be easy to find one who is at least licensed in NY, NJ, and PA being that they are so close.  I can refer you to a good one if you'd like message me.