Goosehead Insurance - The Wave Agency

Just helped a Navy family close on their new home! They were struggling to qualify because the insurance quotes were too high for their budget. After searching, we found a policy that saved them over $500 a year—just enough to get their loan approved. It’s always awesome to help those who serve secure their dream home!

“Every day is a new chance to grow, learn, and make progress. Don’t wait for the perfect moment—take the small steps today that will lead to the big changes tomorrow. Success is built on consistency and determination. Let’s keep moving forward! 💪 ”

We hope you have a wonderful Labor Day! Kick back and relax knowing that Goosehead has you covered today and everyday.

Listing Agents!!!!! Don't let your seller leave money on the table!!! So many sellers miss out on this!!!

Maximizing Your Clients’ Profits: Don’t Let Them Miss Out on Their Insurance Refunds As a real estate agent working with sellers, your primary goal is to ensure your clients have a smooth and profitable transaction. You help them navigate the complexities of selling their home, from staging and marketing to negotiations and closing.

Little real estate humor for all my house selling homies 😎

Going to college soon? Whether you’re living in a dorm, commuting to campus, or renting an off-campus apartment, understanding your insurance needs is essential. Here are a few tips to walk you through the basics of what you need to know.

What Every College Student Should Know About Insurance Uber, Lyft, and delivery services such as Grubhub and Door Dash are extremely common side hustles. But how exactly does that affect your car insurance? In this article, we’ll review the proper car insurance endorsement and how to make sure you are covered properly.

Filing a claim for something broken or stolen in your house can be an intimidating process, and you may not be sure exactly how you’re supposed to use your policy. We can walk you through each step of the process and explain how to maximize your payout and protect yourself from additional risks.

What To Do In The Event Of A Home Insurance Claim What should I do before I file a claim? If your home is damaged, the very first thing you should do is check the health and safety of everyone present and seek medical attention for any injuries that may have occurred. If you’ve followed this first step, you’ll lower your chances of facing a neg...

Are you looking for a lucrative business opportunity in a thriving industry? Look no further! Join us for our upcoming virtual webinar on September 10th at 10 AM CST to learn about owning an insurance franchise with Goosehead Insurance. Register here: https://bit.ly/4dZwZOz

Join us for our upcoming virtual webinar on September 10th at 10 AM CST to learn about owning an insurance franchise with Goosehead Insurance. Register here: https://bit.ly/4dZwZOz

🚨 🚨 ATTENTION HOME BUYERS 🚨 🚨

‼️ 𝐄𝐅𝐅𝐄𝐂𝐓𝐈𝐕𝐄 𝐀𝐮𝐠𝐮𝐬𝐭 𝟏7𝐭𝐡, 2024 ‼️
Every house is in a flood zone! Oh, and also... All buyers looking to purchase any residential property MUST sign a “Buyer Representation Agreement” before a Real Estate Agent can even think about unlocking a door. But seriously, remember, Every house is in a flood zone.

🏡 𝐂𝐀𝐍’𝐓 𝐘𝐎𝐔 𝐉𝐔𝐒𝐓 𝐒𝐇𝐎𝐖 𝐌𝐄 𝐓𝐇𝐄 𝐇𝐎𝐔𝐒𝐄?
Not anymore! No Real Estate Agent can show you a property without that signed agreement. And while you’re at it, let’s just acknowledge that Every house is in a flood zone. It’s just the way things are now.

📃 𝐖𝐚𝐢𝐭…𝐖𝐇𝐀𝐓 𝐃𝐎 𝐈 𝐇𝐀𝐕𝐄 𝐓𝐎 𝐒𝐈𝐆𝐍?
You’ll need to sign a Buyer Representation Agreement before any Real Estate Agent can work with you. It’s all about roles, responsibilities, and commissions—oh, and just a reminder: Every house is in a flood zone.

💵 𝐒𝐎, 𝐁𝐔𝐘𝐄𝐑𝐒 𝐍𝐎𝐖 𝐇𝐀𝐕𝐄 𝐓𝐎 𝐏𝐀𝐘 𝐂𝐎𝐌𝐌𝐈𝐒𝐒𝐈𝐎𝐍?
Well, maybe yes, maybe no... But one thing’s for sure: Every house is in a flood zone. You’ll want to keep that in mind when discussing commissions with your Real Estate Agent.

📜 𝐇𝐎𝐖 𝐃𝐈𝐃 𝐖𝐄 𝐆𝐄𝐓 𝐇𝐄𝐑𝐄?
Legal stuff, misunderstandings, lawsuits... and guess what? Every house is in a flood zone. The more you know! Real Estate Agents are just following the new rules, and these changes are happening nationwide.

🤔 𝐖𝐇𝐀𝐓 𝐈𝐅 𝐈 𝐃𝐎𝐍’𝐓 𝐋𝐈𝐊𝐄 𝐌𝐘 𝐀𝐆𝐄𝐍𝐓? 𝐂𝐀𝐍 𝐈 𝐆𝐄𝐓 𝐎𝐔𝐓 𝐎𝐅 𝐓𝐇𝐈𝐒 𝐀𝐆𝐑𝐄𝐄𝐌𝐄𝐍𝐓?
Yes, the agreement will outline the termination process. Just like there's a process for realizing that Every house is in a flood zone. Coincidence? I think not.

📝 𝐊𝐞𝐲 𝐏𝐨𝐢𝐧𝐭𝐬:
1️⃣ The length of the agreement is determined by you and your Real Estate Agent—it can be as short or as long as you both agree.
2️⃣ Rules can vary by state, but one thing doesn’t change: Every house is in a flood zone.

🤝 𝐀𝐋𝐈𝐆𝐍𝐌𝐄𝐍𝐓 & 𝐂𝐎𝐌𝐌𝐔𝐍𝐈𝐂𝐀𝐓𝐈𝐎𝐍👍
So, yeah, August 17th brought changes, but not to this: Every house is in a flood zone..
Stay dry out there! 🌊

Platforms like Airbnb and VRBO have created new income potential for property owners through short-term rentals. However, with this opportunity comes the need to protect your investment with short-term rental insurance. Here are a few benefits of having insurance on your short-term rental. Click here to read more:

Understanding Short-term Rental Insurance as a Property Owner Before we dive into the details, we must first define the types of rental insurance offered to determine which coverage you need:

Goosehead is excited to introduce our new Military Life Page on LinkedIn! At Goosehead, we proudly support and employ Veterans and their families. This dedicated page will serve as a valuable resource for our military community, offering insights and updates. Be sure to follow us to stay informed about our latest initiatives and events as part of our Military Veteran Program. https://bit.ly/46QRHOc

I know that I am always talking about home insurance and flood insurance,

But,

Did you know, we can also handle commercial landlord policies for 5+ unit buildings? (4units and under are typically on non-commercial policies)

Do you have a future in insurance franchising? Join us on September 10th to learn about the Goosehead Insurance recession resistant business model. Register here: https://bit.ly/3M3fEIh

A few years ago FEMA went to Risk Rating 2.0, where they started using the actuarial data from the last few decades to more accurately rate flood insurance. Prior to the change, if you were in a AE flood zone and had a basement, it was likely to be a nightmare.

Just ran a flood quote for a home in Hampton, in zone AE, with a basement, and it was only $395 per year!!!! Highest Limits allowed, Lowest Deductibles allowed.

Running a Friday night flood quote for a buyer about to write an offer and I get this alert when I run the flood zone determination.

Risk Rating: Property is Severe Repetitive Loss (SRL) as of [xx-xx- # # ].

This warning is issued whenever a property has had multiple severe FEMA flood losses within a rolling 10 year.

You can get flood insurance, but it’s usually pretty expensive and you have to deal with the headache of knowing that your house is probably going to flood which is not fun even with flood insurance.

Virginia is a buyer beware state, so beware and get a flood zone determination before you write offers on houses.

It takes me like 2 minutes and it’s way better than finding out 2-3 weeks into a transaction!!!

Filing a claim for something broken or stolen in your house can be an intimidating process, and you may not be sure exactly how you’re supposed to use your policy. We can walk you through each step of the process and explain how to maximize your payout and protect yourself from additional risks. Click the link to learn more.

What To Do In The Event Of A Home Insurance Claim What should I do before I file a claim? If your home is damaged, the very first thing you should do is check the health and safety of everyone present and seek medical attention for any injuries that may have occurred. If you’ve followed this first step, you’ll lower your chances of facing a neg...

We're excited to announce that Agency Owner, Jessica McNally, has been featured in NerdWallet. In her interview, Jessica shares valuable insights on choosing the best car insurance, including doing thorough research, considering smaller insurers, and working with an independent agent. If you need help finding the right coverage for your needs, our dedicated agents are here to assist you. Read the full interview for more! https://bit.ly/4bKP5lx

Debbie is moving slowwwwwwww. Which means, it has the possibility to sit and dump rain and push water inland. If you already own your home and you don't have flood insurance, it is too late for this one due to the 30 day wait to start new FEMA flood policies.

The only time you can bind a new flood policy without the 30 day wait, is before you buy the house, so, Real Estate Agents, if ever there was a time to recommend that your buyers pick up some optional flood insurance for their home that is closing today or tomorrow, That time is right now!!!!!

If you have a buyer closing this week that is not required to get flood insurance, Shoot me the address, and I'll get you pricing for optional flood insurance to start at closing, And your buyer possibly avoids what happened to so many during Hurricane Matthew........

EVERY HOUSE IS IN A FLOOD ZONE!!!!

Hampton Roads and NE North Carolina. I expect insurance binding restrictions will be coming soon. Meaning until the storm passes we won’t be able to bind new coverage or increase existing coverage or lower deductibles. So do it now!!!!

Real Estate Agents!!

Do you ever get a client who is concerned about flood zones and likes to do their own research?

Well, like my old sales manager used to say, back when I was selling houses, "Be the source of the source, but never the source"

While this should never replace having an Insurance Agent run an actual Flood Zone Determination, this site is the best site that I have found for clients to look up flood information for themselves.

It has a few overlays you can use and a few things they can download/print as well. Again, still run a FZD before writing, but keep this in your tool box too.

FEMA Flood Map Service Center | Welcome! The FEMA Flood Map Service Center (MSC) is the official public source for flood hazard information produced in support of the National Flood Insurance Program (NFIP). Use the MSC to find your official flood map, access a range of other flood hazard products, and take advantage of tools for better un...

🏡✨ Feeling super grateful for all the awesome realtors and lenders who trust us with their clients! Thanks to you, we’re helping more families protect their dream homes every day. 🏠❤️ Here’s to more happy clients and great partnerships!

With summer in full swing, it's crucial to properly insure your summer fun items such as trampolines and pools. Click the link to learn how to choose the right coverage so you can have peace of mind this summer.

Insuring Summer Fun: Protecting Your Seasonal Toys Trampolines and pools are synonymous with summer fun, but they also come with their own risks, notably injuries. Homeowners insurance policies may cover these items, but it's essential to check if additional liability coverage is needed. Accidents can happen, and without proper coverage, you could b...

Did you know that August is National Black Owned Business Month? This year, we’re shining a light on a few of our amazing Black agency owners. At Goosehead, we believe in the power of diversity and innovation to drive positive change in our communities. Our mission is to be your insurance champion, and we’re here to support all our clients with tailored coverage, candid advice, and the technology that simplifies the insurance process. Join us in celebrating and supporting Black-owned businesses.

We're proud to announce that Goosehead Vice President, Ted Olsen, has been featured in Money. In his interview, Ted elaborates on how simple updates can result in premium reductions. If your property has undergone any updates, reach out to an agent to determine if you qualify for lower premiums. Read the full article here: https://bit.ly/4bKP5lx

Pets, pools and trampolines can bring a lot of joy to our lives, but they also come with additional risks. Make sure you understand your coverage and have the right amount on your policy.

Homeowners Insurance Liability Coverage Explained | Goosehead Insurance Explore how occupancy affects home insurance coverage. Gain insights and guidance at Goosehead's Learning Center.

Filing a claim for something broken or stolen in your house can be an intimidating process, and you may not be sure exactly how you’re supposed to use your policy. We can walk you through each step of the process so you can maximize your payout and protect yourself from additional risks.

What To Do In The Event Of A Home Insurance Claim What should I do before I file a claim? If your home is damaged, the very first thing you should do is check the health and safety of everyone present and seek medical attention for any injuries that may have occurred. If you’ve followed this first step, you’ll lower your chances of facing a neg...

Whether you’re a seasoned insurance veteran looking to revitalize your customer acquisition strategy or a newcomer eager to hit the ground running, the following five strategies are designed to help you attract more clients and drive your business forward.

Five Ways to Get More Clients for Your Insurance Business Whether you’re a seasoned insurance veteran looking to revitalize your customer acquisition strategy or a newcomer eager to hit the ground running, the following five strategies are designed to help you attract more clients, enhance your market presence, and, ultimately, drive your business forwar...

Preparing for a trip can be exciting, but it’s crucial to take the necessary steps to prepare the home for your absence. A well-prepared home can prevent mishaps and give you peace of mind while you’re away. Here’s your comprehensive checklist to ensuring your home is secure before you go.

Helpful Tips to Prepare Your Home Before Vacation Secure your home: Ensure all doors and windows are locked and triple-check any entry points that are not used often to make sure they’re secured.

Me: Here is the insurance quote for your property, you close next week so we should probably get the policy bound so it will begin on your closing date. We can bill it to closing or you can pay yourself, either works.

Client buying house with cash: I am just gonna wait until after settlement and then I'll get the policy set up

Me: I would strongly recommend against signing the closing paperwork with no insurance set up. You run the risk of something happening in the mean time and you being left uncovered.

Client buying house with cash: Well, I have bought six houses in my lifetime and that has never happened to me before, so I think i'll be ok.......

We are excited to announce that Agency Owner, Nick Ramirez, has been featured in MarketWatch! Nick shared valuable insights on key questions to consider when purchasing a whole life policy. Remember life, auto, and home insurance can significantly impact your future, so it's crucial to choose the right policy. Click the link to read the full article. https://bit.ly/4bKP5lx

We are excited to share that our Co-Founder and Executive Chairman, Mark Jones, has been named one of Fort Worth Inc.'s 400 Most Influential People. We are proud to have such an inspiring and influential leader. Read more about the recognition here: https://bit.ly/3vpKpwe

When buying a house, it is best to get the home insurance quotes As Soon As Possible, before you have written an offer, even.

The CDIF and the Purchase agreement both advise the buyer that their time to review the insurance is before the offer.

Many agents want to wait til the home inspection is cleared to start shopping, and here is why that is a bad idea. Every now and then, not often, but every now and then, the insurance ends up killing the deal or changing the buyer's mind on wanting the home.

Once the inspector (same goes for appraiser) goes out, they did a job and get paid and that money is gone. So, protect the buyer and make sure the insurance isn't going to change things for free, before paying for an inspection and/or appraisal, you now don't need.

Also, especially with buyers shopping at the top of their price point, that price point is based on monthly payment and Debt To Income Ratio, and for the insurance portion of the payment, the lender has been estimating the insurance cost. In times like now, where insurance rates are volatile and have seen sharp increases, if the insurance ends up being more than the estimate, the buyer doesn't get the loan. Better to find out sooner than 2-3 weeks into a transaction when we have lets time to find solutions.

Also, more time, means more time to properly understand their insurance coverages, more time to shop for the best options, explore discounts and bundle options, more time to overcome insurance obstacles, more time for the lender to be able to correctly finalize the monthly payment amount and cash needed to close amounts so the buyer is prepared.

Basically there is no reason not to get the quote, other than you don't want to bother your insurance guy over a deal that isn't done yet.

So, you have full permission to bother me!!! Starting to write the offer? let me start working on insurance prices, I won't be annoyed if the offer doesn't get accepted. I was a buyer's agent for years, I know the game.

Sellers are not required to disclose if a house requires flood insurance. It is up to the buyer to determine that BEFORE writing an offer.

The seller is only required to disclose if the house is a Repetitive Loss Location as designated by FEMA and only if they are aware.

If you need to know if flood is required or not, the only foolproof way to do this is by having a Flood Zone Determination run…. Which I would be happy to do for anyone who asks.