Alpha Insurance LLC

A Quick Quote is a fast way at looking at the cost of insurance BEFORE either looking at a house or signing the contract. We want to save all the parties to a potential closing both time and money. Lower rates may be available with other insurers as Citizens is to be your last resort company. By law their rates must be 10% higher than others writing in your zip code.

Know info about the house. Know the claim history both Flood and Hazard as the seller has access to this information. This it to be your most expensive purchase and the more you know about a house before you buy just might reduce unbeknown expenses after! For the avid reader who wants to know more ask the listing or selling agent to complete a Checklist. See link for printing it under Publications & Links.

Other companies may use your credit scores, claim history of seller's house and buyer, age of roof and type of roofing material, any updates, zip code or territory restrictions such as being too close to the Gulf or large bodies of water. Each company has their own eligiblilty rules.

The Dwelling 1 may not be acceptable to your lender as they may require a replacement type policy and this policy is Actual Cash Value but a Dwelling 3 does offer it. See Definition for the type of policies that can be used. Today, with the high cost of insurance, I tell my clients you buy what you can afford, not what you would prefer! Read what is on the lender's requirement as to insurance BEFORE you sign to borrow the money.

The lender will provide you with the "escrow window" which is the most that can be allowed yearly for your first year of insurance. This is based upon many factors that they arrive at during their review of your income and expenses. Also the lender can tell you your credit scores as an agent may ask that when choosing which company could have the lowest rates.

Lee Orr

		Quick Quote Information A Quick Quote is a fast way at looking at the cost of insurance BEFORE either looking at a house or signing the contract. We want to save all the parties to a potential closing both time and money. Lower rates may be available with other insurers as Citizens is to be your last resort company. By law their rates must be 10% higher than others writing in your zip code. Know info about the house. Know the claim history both Flood and Hazard as the seller has access to this information. This it to be your most expensive purchase and the more you know about a house before you buy just might reduce unbeknown expenses after! For the avid reader who wants to know more ask the listing or selling agent to complete a Checklist. See link for printing it under Publications & Links. Other companies may use your credit scores, claim history of seller's house and buyer, age of roof and type of roofing material, any updates, zip code or territory restrictions such as being too close to the Gulf or large bodies of water. Each company has their own eligiblilty rules. The Dwelling 1 may not be acceptable to your lender as they may require a replacement type policy and this policy is Actual Cash Value but a Dwelling 3 does offer it. See Definition for the type of policies that can be used. Today, with the high cost of insurance, I tell my clients you buy what you can afford, not what you would prefer! Read what is on the lender's requirement as to insurance BEFORE you sign to borrow the money. The lender will provide you with the "escrow window" which is the most that can be allowed yearly for your first year of insurance. This is based upon many factors that they arrive at during their review of your income and expenses. Also the lender can tell you your credit scores as an agent may ask that when choosing which company could have the lowest rates. Lee Orr
		Alpha Insurance LLC 831 Lafayette St. Gretna, Louisiana 70053 Phone: (504) 227-1026 Fax: (504) 227-1047 "Knowledge is our most important asset." Click HERE to send us E-Mail Web site design: max.weissman.com