Bats in the Belfry Aren’t the Only Creepy Creatures

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Creepy, crawly critters that go bump in the night aren’t confined to Halloween or nighttime for that matter. Creatures you expect to stay outside where they belong don’t always confine themselves to nature’s protective cover. They can and do get inside … causing tricky problems for building owners. Insects, birds, rodents, and even bats are […]

Take the Money and Run

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 No, not the 1976 song by the Steve Miller Band but the money after a loss on your apartment building. A couple of weeks ago, one of my customers referred his brother-in-law to me for a quote. The brother-in-law was purchasing his first income property, a single-family dwelling in a Cleveland suburb. I gathered the […]

Moving on Up!


Recently, I wrote about a prospect in Rocky River who was purchasing her first apartment building. The prospect owns several single-family rental units and the discussion revolved around properly insuring the garage. It was confirmed that the garages must be listed on the declarations page when insuring apartment buildings on a commercial form. This difference […]

1, 2, 3 Basics for Investment Property Owners of Individual Condominium Units

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 Learn three basic considerations for investment property owners of individual condominium units. Read a snapshot of insurance coverage recommendations for condominium unit investment property. Individual condominium unit ownership is a real thing in the realm of investment property. Some fall into it indirectly, such as via inheritance. Some directly decide to purchase a condominium unit […]

Reach Out Before you Buy!

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You are now ready to purchase your first investment property, but before you do, consult before you buy!  You have contacted your attorney to create the structure that is going to own the building, whether it is an S-Corporation, an LLC, or a partnership. You are working with your accountant to calculate cash flows and accounting […]

Don’t Get Stuck Buying a Money Pit Sight Unseen


When is a bargain not a bargain? The real estate market is heating up across the country, but prices for multi-family dwellings in Northeast Ohio remain lower than the national average. With unemployment higher than the national average, many would-be homebuyers have had to remain renters longer than expected. The convergence of these two trends […]

Don’t Let your Garage Turn into Garbage

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I had the opportunity to sit down with a prospect who was getting ready to purchase his first apartment building, a nice six-unit building in Rocky River, OH. The prospect has owned several duplexes and single-family homes, but this was a big dive compared to those. The prospect insured his other rentals with another agent […]

Technology Doesn’t Have to be New to Still be Effective


According to the Insurance Information Institute, 30.2% of all church fires are started by lightning strikes. With that in mind, why don’t more churches have lightning rods? Lightning rods originally developed by Benjamin Franklin in the mid-1700s still offer an effective method to divert the energy of a lightning strike. Lightning rods do not attract […]