Gary Hanson's (ghanson1) Blog

More and more, we field calls from our customers on this important subject.  Our customer, who might be the realtor or the owner of a property is looking to have it remodeled or maybe it's a foreclosure and needs some TLC before it's listed.    It's a great idea to not only work with licensed con...

I have posted this before but, with more and more people renting these days it's a good idea to revisit. You have decided to be a landlord.  Congratulations! Here are some tips and recommendations on properly covering your investment. Liability to Protect the Landlord   The landlord is responsibl...

  Did you know that many home insurers won't cover customers with trampolines and have restrictions for those with a pool.  Check with your insurance agent before buying a trampoline or pool -- and let your agent know if you've already purchased one. If you file an insurance claim involving a tra...

Getting Ready to build a spec home/commerical building or working with someone who is?  The financial institution you are working with will more than likely require this important coverage.Builder's Risk or Course of Construction:This is a property type of policy that indemnifies for loss of or d...

In an effort to bring more value to our real estate community we are going to begin offering half day seminars to our general contractors.  We would like to get the Phoenix Metro real estate community involved.  Our goal is to have several of these seminars per year aimed at General Contractors b...

Everyone has parties- Holiday parties, Birthday parties, Superbowl parties, etc but do you realize the risk you are at when you throw a party?  Let me lay this example out for you.   Last month one of my neighbors had a Christmas party. Everyone in the neighborhood was invited.  There were three ...

  In the last two weeks  I have noticed at least 6 new insurance carriers coming into the Arizona and Nevada market.These carriers have been very aggressive with their rates, coverage, and appetite for predominantly hard risks to place like:RoofersPaper General ContractorsFramersConcrete contract...

 WORKERS' COMPENSATION RATES INCREASE IN ARIZONAFor the first time in nearly 15 years, average Workers' Compensation rates for Arizona employers increased first in October 2006 and again in October 2007. Rates and are set to be adjusted again effective January 1, 2008 for all 120,000 Arizona empl...

Your current insurance company probably will cancel your existing policy if your property becomes vacant. You will need to review your insurance policy to see if occupancy is a condition for coverage. Then call your trusted insurance advisor and decide what to do.The big question is? What are you...

You have decided to be a landlord.  Congratulations! Here are some tips and recommendations on properly covering your investment.Liability to Protect the Landlord  The landlord is responsible for the safety of the property the tenants are living in. If a tenant should harm themselves due to somet...