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	<title>AAOA - American Apartment Owners Association &#187; Insurance</title>
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	<description>Real Estate News, Landlord Help, and Apartment Information</description>
	<lastBuildDate>Thu, 19 Nov 2009 18:45:40 +0000</lastBuildDate>
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			<item>
		<title>Empty House May Cost More to Insure</title>
		<link>http://www.american-apartment-owners-association.org/blog/2009/07/16/empty-house-may-cost-more-to-insure/</link>
		<comments>http://www.american-apartment-owners-association.org/blog/2009/07/16/empty-house-may-cost-more-to-insure/#comments</comments>
		<pubDate>Thu, 16 Jul 2009 14:56:45 +0000</pubDate>
		<dc:creator>Kim Ezzell</dc:creator>
				<category><![CDATA[AAOA Forum]]></category>
		<category><![CDATA[Insurance]]></category>

		<guid isPermaLink="false">http://www.american-apartment-owners-association.org/blog/2009/07/16/empty-house-may-cost-more-to-insure/</guid>
		<description><![CDATA[Sellers get surprise as home languishes on market
 
by Tom Kelly, Inman News
 
Homebuyers are finding tougher guidelines and higher premiums from insurance carriers, and there certainly aren&#8217;t any bargains for sellers who need to move or would simply like a change of scenery.
 
In a recent case, owners decided to sell a three-bedroom, three-bath primary residence and [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>&#8220;My Property Value Dropped&#8230; Can I Lower My Insurance Limits?&#8221;</title>
		<link>http://www.american-apartment-owners-association.org/blog/2009/07/13/my-property-value-dropped-can-i-lower-my-insurance-limits/</link>
		<comments>http://www.american-apartment-owners-association.org/blog/2009/07/13/my-property-value-dropped-can-i-lower-my-insurance-limits/#comments</comments>
		<pubDate>Mon, 13 Jul 2009 19:55:47 +0000</pubDate>
		<dc:creator>Kim Ezzell</dc:creator>
				<category><![CDATA[AAOA Forum]]></category>
		<category><![CDATA[Insurance]]></category>

		<guid isPermaLink="false">http://www.american-apartment-owners-association.org/blog/2009/07/13/my-property-value-dropped-can-i-lower-my-insurance-limits/</guid>
		<description><![CDATA[by Karie Martin
Due to the economic slowdown, real estate values in many places in the country have dropped. As a result, some of our clients have asked whether they should reduce their property insurance limits to mirror the drop.
 
The answer is, “it depends.”
If you have replacement cost coverage on your buildings, signs, contents, etc., you [...]]]></description>
		<wfw:commentRss>http://www.american-apartment-owners-association.org/blog/2009/07/13/my-property-value-dropped-can-i-lower-my-insurance-limits/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Top 10 Money Saving and Money Making Tips of 2008</title>
		<link>http://www.american-apartment-owners-association.org/blog/2008/12/22/top-10-money-saving-and-money-making-tips-of-2008/</link>
		<comments>http://www.american-apartment-owners-association.org/blog/2008/12/22/top-10-money-saving-and-money-making-tips-of-2008/#comments</comments>
		<pubDate>Mon, 22 Dec 2008 18:33:50 +0000</pubDate>
		<dc:creator>Kim Ezzell</dc:creator>
				<category><![CDATA[AAOA Forum]]></category>
		<category><![CDATA[Collections]]></category>
		<category><![CDATA[Going Green]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Make Extra Money]]></category>

		<guid isPermaLink="false">http://www.american-apartment-owners-association.org/blog/2008/12/22/top-10-money-saving-and-money-making-tips-of-2008/</guid>
		<description><![CDATA[We&#8217;ve brought you dozens of money saving tips over the year. Here&#8217;s a countdown of some of the&#160;best technology and money making ideas of 2008, so you can save even&#160;more&#160;in 2009:
&#160;
The simplest, easiest ways to lower your costs:
&#160;
1.&#160; Over liners.&#160; These drip-catching, energy saving liners are CHEAP, and save you a bundle.&#160;&#160;See &#160;Make Oven Cleaning [...]]]></description>
		<wfw:commentRss>http://www.american-apartment-owners-association.org/blog/2008/12/22/top-10-money-saving-and-money-making-tips-of-2008/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Premium Advice: Avoid This Property Insurance Trap</title>
		<link>http://www.american-apartment-owners-association.org/blog/2008/12/17/premium-advice-avoid-this-property-insurance-trap/</link>
		<comments>http://www.american-apartment-owners-association.org/blog/2008/12/17/premium-advice-avoid-this-property-insurance-trap/#comments</comments>
		<pubDate>Wed, 17 Dec 2008 17:09:27 +0000</pubDate>
		<dc:creator>Kim Ezzell</dc:creator>
				<category><![CDATA[AAOA Forum]]></category>
		<category><![CDATA[Insurance]]></category>

		<guid isPermaLink="false">http://www.american-apartment-owners-association.org/blog/2008/12/17/premium-advice-avoid-this-property-insurance-trap/</guid>
		<description><![CDATA[While every dollar saved on insurance costs is a Net Operating Income&#160;dollar that can find its way back into a property&#8217;s bottom line, multifamily owners should remember that&#160;a low premium does not necessarily equal a good deal.&#160; 
&#160;
Many policies sold on price alone contain several traps that can leave apartment owners in serious trouble.
&#160;
Patrick Nugent, [...]]]></description>
		<wfw:commentRss>http://www.american-apartment-owners-association.org/blog/2008/12/17/premium-advice-avoid-this-property-insurance-trap/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Should I Buy Earthquake Insurance?</title>
		<link>http://www.american-apartment-owners-association.org/blog/2008/10/27/should-i-buy-earthquake-insurance/</link>
		<comments>http://www.american-apartment-owners-association.org/blog/2008/10/27/should-i-buy-earthquake-insurance/#comments</comments>
		<pubDate>Mon, 27 Oct 2008 17:36:41 +0000</pubDate>
		<dc:creator>Kim Ezzell</dc:creator>
				<category><![CDATA[AAOA Forum]]></category>
		<category><![CDATA[Insurance]]></category>

		<guid isPermaLink="false">http://www.american-apartment-owners-association.org/blog/2008/10/27/should-i-buy-earthquake-insurance/</guid>
		<description><![CDATA[by Bill and Kevin Burnett, Inman News   
Q: I read your column on earthquake preparedness. And although I don&#8217;t think our 11-year-old house needs structural changes, I was wondering if you have any advice on whether to buy earthquake insurance. We are new to the area, so we have no experience or feel for [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How Savvy Investors Do Property Insurance</title>
		<link>http://www.american-apartment-owners-association.org/blog/2008/10/23/how-savvy-investors-do-property-insurance/</link>
		<comments>http://www.american-apartment-owners-association.org/blog/2008/10/23/how-savvy-investors-do-property-insurance/#comments</comments>
		<pubDate>Fri, 24 Oct 2008 00:35:28 +0000</pubDate>
		<dc:creator>Kim Ezzell</dc:creator>
				<category><![CDATA[AAOA Forum]]></category>
		<category><![CDATA[Insurance]]></category>

		<guid isPermaLink="false">http://www.american-apartment-owners-association.org/blog/2008/10/23/how-savvy-investors-do-property-insurance/</guid>
		<description><![CDATA[&#8220;For investors with a portfolio of properties, greater opportunities exist to save on premiums, and thereby increase your investment income, by purchasing insurance on the portfolio, just like insurance carriers do on their portfolios as a whole,&#8221; according to Patrick Nugent, CCIM, JD with Commercial Insurance Solutions in Dallas.
 
For example, take an owner who has a $500 [...]]]></description>
		<wfw:commentRss>http://www.american-apartment-owners-association.org/blog/2008/10/23/how-savvy-investors-do-property-insurance/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Over-Insuring is Killing Your Profits</title>
		<link>http://www.american-apartment-owners-association.org/blog/2008/10/02/over-insuring-is-killing-your-profits/</link>
		<comments>http://www.american-apartment-owners-association.org/blog/2008/10/02/over-insuring-is-killing-your-profits/#comments</comments>
		<pubDate>Thu, 02 Oct 2008 17:25:08 +0000</pubDate>
		<dc:creator>Kim Ezzell</dc:creator>
				<category><![CDATA[AAOA Forum]]></category>
		<category><![CDATA[Insurance]]></category>

		<guid isPermaLink="false">http://www.american-apartment-owners-association.org/blog/2008/10/02/over-insuring-is-killing-your-profits/</guid>
		<description><![CDATA[How One Landlord Saved $86,000 in Premiums
Insuring the Market Value Wastes Your Money
&#8220;What property owners need to understand it that there&#8217;s a big difference between market value that lenders use and the replacement cost carriers use,&#8221; says Patrick Nugent, CCIM, JD, with Commercial Insurance Solutions out of Dallas.
 &#8221;A property insurance policy is intended to make [...]]]></description>
		<wfw:commentRss>http://www.american-apartment-owners-association.org/blog/2008/10/02/over-insuring-is-killing-your-profits/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Got Renter`s Insurance?</title>
		<link>http://www.american-apartment-owners-association.org/blog/2008/08/14/got-renters-insurance/</link>
		<comments>http://www.american-apartment-owners-association.org/blog/2008/08/14/got-renters-insurance/#comments</comments>
		<pubDate>Thu, 14 Aug 2008 16:30:39 +0000</pubDate>
		<dc:creator>Kim Ezzell</dc:creator>
				<category><![CDATA[AAOA Forum]]></category>
		<category><![CDATA[Insurance]]></category>

		<guid isPermaLink="false">http://www.american-apartment-owners-association.org/blog/2008/08/14/got-renters-insurance/</guid>
		<description><![CDATA[by Ilyce Glick, Inman News
The number of foreclosures has doubled since last year. That means a lot of former homeowners are now looking for a new place to hang their hats.Many former owners are becoming renters again for the first time in a long time. And there are new lessons to learn: You&#8217;re not quite [...]]]></description>
		<wfw:commentRss>http://www.american-apartment-owners-association.org/blog/2008/08/14/got-renters-insurance/feed/</wfw:commentRss>
		<slash:comments>8</slash:comments>
		</item>
		<item>
		<title>Is Your Tenant Covered?</title>
		<link>http://www.american-apartment-owners-association.org/blog/2008/07/24/is-your-tenant-covered/</link>
		<comments>http://www.american-apartment-owners-association.org/blog/2008/07/24/is-your-tenant-covered/#comments</comments>
		<pubDate>Thu, 24 Jul 2008 21:46:44 +0000</pubDate>
		<dc:creator>Kim Ezzell</dc:creator>
				<category><![CDATA[AAOA Forum]]></category>
		<category><![CDATA[Insurance]]></category>

		<guid isPermaLink="false">http://www.american-apartment-owners-association.org/blog/2008/07/24/is-your-tenant-covered/</guid>
		<description><![CDATA[by Mina V. Garrey, Commercial Capital Properties
Just recently I was reading through one of my residential leases to make sure that every paragraph is up to date and to see if there is anything I need to include due to changes and updates of local rental laws.
I came across the paragraph talking about Renter&#8217;s Insurance [...]]]></description>
		<wfw:commentRss>http://www.american-apartment-owners-association.org/blog/2008/07/24/is-your-tenant-covered/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Why Landlords Need Liability Insurance</title>
		<link>http://www.american-apartment-owners-association.org/blog/2008/04/25/why-landlords-need-liability-insurance/</link>
		<comments>http://www.american-apartment-owners-association.org/blog/2008/04/25/why-landlords-need-liability-insurance/#comments</comments>
		<pubDate>Fri, 25 Apr 2008 16:27:10 +0000</pubDate>
		<dc:creator>Kim Ezzell</dc:creator>
				<category><![CDATA[AAOA Forum]]></category>
		<category><![CDATA[Insurance]]></category>

		<guid isPermaLink="false">http://www.american-apartment-owners-association.org/blog/2008/04/25/why-landlords-need-liability-insurance/</guid>
		<description><![CDATA[by Janet Portman
Inman News 
Q: I manage a single-family home for an out-of-state owner. A branch from a tree on the front lawn fell on the tenant&#8217;s car, which was properly parked in the driveway. The owner&#8217;s insurance carrier refused to pay for the damage to the tenant&#8217;s car, claiming no damage was done to [...]]]></description>
		<wfw:commentRss>http://www.american-apartment-owners-association.org/blog/2008/04/25/why-landlords-need-liability-insurance/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
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