Steve Heathman - GREEN, e-PRO
Steve@TiptonTnSteve.com

(901) 831-1394



USN,Retired
Relocation Services Millington
Military - House hunting - Short notice - call me night or day I will work until we find your new home.

Short notice transfer. I will aggressively Market your home using all the latest technology, huge numbers of Digital photos, color Brochures, Flyer's, email and MLS.
I am linked to Realtors across the United States to ensure your home gets maximum visibility.


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for homes in Atoka, Munford, Brighton, Covington, Millington Memphis, and South West Tennessee




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  5 Things to Understand about Homeowners Insurance

1. Look for exclusions to coverage. For example, most insurance policies do not cover flood or earthquake damage as a standard item. These coverages must be bought separately.

2. Look for dollar limitations on claims. Even if you are covered for a risk, there may a limit on how much the insurer will pay. For example, many policies limit the amount paid for stolen jewelry unless items are insured separately.

3. Understand replacement cost. If your home is destroyed you’ll receive money to replace it only to the maximum of your coverage, so be sure your insurance is sufficient. This means that if your home is insured for $150,000 and it costs $180,000 to replace it, you’ll only receive $150,000.

4. Understand actual cash value. If you chose not to replace your home when it’s destroyed, you’ll receive replacement cost, less depreciation. This is called actual cash value.

5. Understand liability. Generally your homeowners insurance covers you for accidents that happen to other people on your property, including medical care, court costs, and awards by the court. However, there is usually an upper limit to the amount of coverage provided. Be sure that it’s sufficient if you have significant assets.

1- Ways to Lower Your Homeowners Insurance Costs

1. Raise your deductible. If you can afford to pay more toward a loss that
occurs, your premiums will be lower.

2. Buy your homeowners and auto policies from the same company and you’ll usually qualify for a discount. But make sure that the savings really yields the lowest price.

3. Make your home less susceptible to damage. Keep roofs and drains in good repair. Retrofit your house to protect against natural disasters common to your area.

4. Keep your home safer. Install smoke detectors, burglar alarms, and dead-bolt locks. All of these will usually qualify for a discount.

5. Be sure you insure your house for the correct amount. Remember, you’re covering replacement cost, not market value.

6. Ask about other discounts. For example, retirees who are home more than working people may qualify for a discount on theft insurance.

7. Stay with the same insurer. Especially in today’s tight insurance market, your current vendor is more likely to give you a good price.

8. See if you belong to any groups—associations, alumni groups—that offer lower insurance rates.

9. Review your policy limits and the value of your home and possessions annually. Some items depreciate and may not need as much coverage.

10. See if there’s a government-backed insurance plan. In some high-risk areas, such as coasts, federal or state government may back plans to lower rates. Ask your agent.

 

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10620 HWY 51 So., Atoka, TN 38004 tel: 901-831-1394 fax: 901-837-6818 Independently Owned and Operated.
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Information in this site deemed reliable but not guaranteed new or existing homes for sale in Tennessee, TN, Atoka, Munford, Brighton, Memphis, Burlison, Drummonds, Covington, Rosemark, Bolton, Braden, Quito, Kerrville, Memphis, Germantown, Collierville, Bartlett, Cordova, Arlington, Lakeland, Eads, Millington Oakland, Hickory Withe or Raleigh, including all Tipton, Shelby and Fayette County Real Estate & homes. Relocation Services to Atoka, Millington, Memphis. REO and BPO Broker services with CitiMortgage, First National Mortgage, BPO Tracker, Horizon Mgmt, Brentwood Asset Mgmt, Integrated Assets, Coast To Coast, Lenders Financial, Fidelity National Asset Mgmt, First American, Premiere Asset Services, USA Title, Asset Valuations, Lender Choice, Clear Capital, Midland Mortgage, REO Trans, REO Nationwide, Imortgage Services, Wells Fargo Mortgage, Goodman Dean, Keystone Asset Mgmt, MGIC, USRES, Solutions Valuations, Chase Manhattan, Nationwide REO Brokers, Option One, OCWEN, O'Marketing, PMI Mortgages, ServiceLink, National Link, USA Valuations, LSI/Market Intelligence Inc, MLS Data here is useful to buy or sell homes or other real estate homes, condos, Homes on a golf course like Fairway Estates, Links,and town homes in Tennessee, TN, Atoka, Munford, Brighton, Drummonds, Covington, Rosemark, Bolton, Braden, Quito, Kerrville, Memphis, Germantown, Collierville, Bartlett, Cordova, Arlington, Lakeland, Eads, Millington Oakland, Hickory Withe or Raleigh. MLS homes of a Realtor® or other buyer or seller. Data helps find MLS home, condo or real estate town home, MLS, or residential real estate other properties in Tennessee, TN, Atoka, Munford, Brighton, Drummonds, Covington, Rosemark, Bolton, Braden, Quito, Kerrville, Memphis, Germantown, Collierville, Bartlett, Cordova, Arlington, Lakeland, Eads, Millington Oakland, Hickory Withe or Raleigh. Steve Heathman serves these cities as a Realtor®. He serves real estate clients looking for homes and condos and town homes and lots and property in Atoka, Munford, Brighton, Drummonds, Covington, Rosemark, Bolton, Braden, Quito, Kerrville, Memphis, Germantown, Collierville, Bartlett, Cordova, Arlington, Lakeland, Eads, Millington Oakland, Hickory Withe or Raleigh and nearby cities, supplying MLS and schools information. His real estate buyers and sellers in Atoka, Munford, Brighton, Drummonds, Covington, Rosemark, Bolton, Braden, Quito, Kerrville, Memphis, Germantown, Collierville, Bartlett, Cordova, Arlington, Lakeland, Eads, Millington Oakland, Hickory Withe or Raleigh are NUMBER 1.

Steve Heathman, 2007


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