MMA Blog

Insurance Professionals: Your Partners in Real Estate

A Real Friendship with Real Estate

When it comes to business relationships, having a personal connection to your insurance professional can be a real benefit to someone in the real estate business, especially mortgage lenders and realtors.

Get in Touch Anytime

Erika Close - Missoula, MT

When you have a regular line of open communication with your insurance professional, like the skilled folks at MMA Insurance, you'd be shocked how a simple check-in can lead to big business.

"I field calls on Saturdays and after hours all the time," notes Erika Close, CPRIA, AFIS, sales executive, private client group at MMA. "Having that personal relationship with an insurance professional makes them more likely to pick up the phone and talk outside of normal office hours. People on both sides are more willing to put themselves out there and have those deep conversations."

Make Sure You Get the Whole Story

When you have a deeper relationship, and have shared information over a longer period of time, you'd be amazed the details that can be shared between two professionals. The conversations that you might share with your insurance professional benefit the clients, but they also help improve knowledge between two partners in business, says Close.

Close offers tips for real estate professionals and mortgage lenders. "Know what your clients are like," she says. "What types do you usually service? Lots of log homes, off-the-grid homes, manufactured homes or even a particular subdivision. Knowing that information and asking questions about that area can help me help their clients."

Know What to Say, and What to Ask

Real estate agents and mortgage lenders both should be "oversharers" when it comes to property details. For example, here are some items you might not think of, but which can affect policies:

  • Dogs: dog bite claims stay open for a number of years and can affect the homeowner policy.
  • Trampolines: there are companies that it's not a big deal for, says Close, but it's a matter of knowing who to refer the client to.
  • Fireplaces: these pose less of an insurance question than woodstoves do, so make sure to note exactly what's on the property.
  • Horses and Cows: livestock can affect homeowners in certain parts of cities as well as counties, especially in Western states like Montana or Idaho.
  • Outdoor structures: they should be part of the conversation as they may not fit in just one box on a form. Sometimes in our area, they can even be more expensive to insure than the house.

When was the last time you talked to your insurance professional? How well do they know you and you know them? If you're not sure, then don't hesitate to contact us.

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        Now tell us about the coverage or coverages you need:


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        NOTE: Before becoming effective, all changes, bind orders, or claim notifications must be confirmed by a MMA Insurance representative advising that your request has been processed.

        You are ready to submit the form:

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          Next, tell us about the coverage or coverages you need:


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          NOTE: Before becoming effective, all changes, bind orders, or claim notifications must be confirmed by a MMA Insurance representative advising that your request has been processed.

          Now you are ready to submit the form:

            First, tell us about you:






            EmailPhone





            Next, tell us about the coverage or coverages you need:


            AutoHomeIndividual HealthUmbrellaRecreationalWatercraftRenter’s InsuranceLife InsuranceWedding Insurance



            NOTE: Before becoming effective, all changes, bind orders, or claim notifications must be confirmed by a MMA Insurance representative advising that your request has been processed.

            Now you are ready to submit the form:

              First, tell us about you:






              EmailPhone


              Next, tell us about your business:





              Now tell us about the coverage or coverages you need:


              Commercial InsuranceEmployee BenefitsHealth InsuranceSuretyOther



              NOTE: Before becoming effective, all changes, bind orders, or claim notifications must be confirmed by a MMA Insurance representative advising that your request has been processed.

              You are ready to submit the form:

                First, tell us about you:






                EmailPhone






                Next, tell us about the coverage or coverages you need:


                AutoHomeIndividual HealthUmbrellaRecreationalWatercraftRenter’s InsuranceLife InsuranceWedding Insurance


                Commercial InsuranceEmployee BenefitsEmployee Health InsuranceSurety



                NOTE: Before becoming effective, all changes, bind orders, or claim notifications must be confirmed by a MMA Insurance representative advising that your request has been processed.

                Now you are ready to submit the form:




                    First, tell us about you:






                    EmailPhone





                    Step 1 of 2Next

                    Next, tell us about the coverage or coverages you need:


                    AutoHomeIndividual HealthUmbrellaRecreational

                     

                    WatercraftRenter’s InsuranceLife InsuranceWedding Insurance



                    NOTE: Before becoming effective, all changes, bind orders, or claim notifications must be confirmed by a MMA Insurance representative advising that your request has been processed.

                    Now you are ready to submit the form:

                      First, tell us about you:






                      EmailPhone


                      Step 1 of 3Next

                      Next, tell us about your business:





                      Step 2 of 3Next

                      Now tell us about the coverage or coverages you need:


                      Commercial InsuranceEmployee BenefitsHealth InsuranceSuretyOther



                      NOTE: Before becoming effective, all changes, bind orders, or claim notifications must be confirmed by a MMA Insurance representative advising that your request has been processed.

                      You are ready to submit the form:

                        First, tell us about you:






                        EmailPhone





                        Step 1 of 2Next



                        NOTE: Before becoming effective, all changes, bind orders, or claim notifications must be confirmed by a MMA Insurance representative advising that your request has been processed.

                        Now you are ready to submit the form:

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                                Next, tell us about the surety bond you need:







                                NOTE: Before becoming effective, all changes, bind orders, or claim notifications must be confirmed by a MMA Insurance representative advising that your request has been processed.

                                Now you are ready to submit the form:

                                  First, tell us about you:






                                  EmailPhone


                                  Next, tell us about your business:





                                  Now tell us about the coverage or coverages you need:


                                  Commercial InsuranceEmployee BenefitsHealth InsuranceSuretyOther



                                  NOTE: Before becoming effective, all changes, bind orders, or claim notifications must be confirmed by a MMA Insurance representative advising that your request has been processed.

                                  You are ready to submit the form:

                                    First, tell us about you:






                                    EmailPhone





                                    Next, tell us about the coverage or coverages you need:


                                    AutoHomeIndividual HealthUmbrellaRecreationalWatercraftRenter’s InsuranceLife InsuranceWedding Insurance



                                    NOTE: Before becoming effective, all changes, bind orders, or claim notifications must be confirmed by a MMA Insurance representative advising that your request has been processed.

                                    Now you are ready to submit the form:

                                      First, tell us about you:






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                                      NOTE: Before becoming effective, all changes, bind orders, or claim notifications must be confirmed by a MMA Insurance representative advising that your request has been processed.

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