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Market Perspectives Blog Post / Landlord Resource Center

Vital Insurance Coverage for Landlords

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Before You Buy: The 5 Major Home Systems Every Buyer Should Inspect First​

Before buying a home, it’s easy to fall in love with aesthetic details—the fresh paint, modern fixtures, or perfectly staged living room—but those things can be changed or upgraded at any time. What truly matters are the critical systems that determine the home’s safety, longevity, and financial soundness. We often tell our clients that you can fix the paint, reseal caulking, replace appliances, or swap out cabinet hardware, but the Big Five—foundation, roof, HVAC, electrical, and plumbing—are different. These systems are the backbone of the home, and if they are compromised, the repair costs can be substantial. Before making an investment of this size, it’s essential to understand their condition, potential risks, and remaining lifespan to avoid costly surprises down the road.​

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September 11 memorial with twin towers before the tragedy

9/11: Never Forget — Names, Steps, and Hope

We need to find our way back to one another. Not because of tragedy, but because of choice. Those of us in the middle may not agree on everything, but we are still bound by something greater—our common humanity. We know what it means to care for strangers, to put compassion first, to choose light in the face of darkness. That’s who we were on September 11. That’s who we can be again.

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