Peter Morandi's (pmorandi) Blog

I have been on ActiveRain for a few months now – not sure exactly when I got introduced but it sounded very interesting and worthwhile.  I have written several blogs to date – some for consumers and some geared toward professionals.  A few weeks back I got a call from a woman moving from NJ to CT...

One of the more common questions people have about auto or home insurance is "aren't they all the same?".  The answer of course is a resounding "NO!!!!"  Many auto and home policies are shopped and sold based on price.  I blame the insurance industry for this commoditization more than the consume...

Hello- This is more of an educational piece for both professionals and consumers that's specific to CT but may apply in other states.  When you purchase a home or refinance a home you are usually asked to provide proof of home insurance that covers one year and is paid in full.  And for our examp...

Hello-Many of my clients purchase rental properties or inherit rental properties.  Attorneys are telling these people that they should be putting the property in the name of an LLC to protect the owner - which is a very wise suggestion.  All of those people without LLCs are just opening up their ...

In my 11+ years of working in the insurance business I've provided home insurance policies for a lot of people.  One of the more frustrating things I deal with is people who call up for home insurance 1 day before a closing with the mortgage broker, realtor and attorney all on my heels screaming ...

Many realtors, mortgage brokers and attorneys in the home buying process tell their client to get quotes on homeowners insurance for their closing which is expected.  In some cases this goes smoothly - and in many cases there are issues that come up with the insurance (specifically with the home ...

One of the more common and misunderstood coverages on a home insurance policy is the Dwelling Coverage - also referred to as Coverage A on an insurance declarations page.  This coverage is the cost to completely rebuild your home on the same location, the same square footage, with the same qualit...

Many people are not aware that there are many changes going on in Connecticut in regard to home insurance.  The largest area of concern right now is Coastal Proximity -- meaning how close your home is to the Long Island Coast Line.  FEMA has projected that future hurricanes would most likely stri...