One of the biggest points of emphasis when meeting with my clients (and hosting educational programs) is explaining to them what the differences are between Original Medicare and Medicare Advantage.

When someone first becomes eligible for Medicare, they have a choice–they can either stay in Original Medicare (which you’re enrolled in by default), or instead, they can get their Medicare benefits from a Medicare Advantage plan.

One of the reasons it’s so confusing to people is that Medicare Advantage is referred to as “Part C” of Medicare, so people tend to think it’s something they have, or need to purchase along with their other Medicare benefits.

Let me set the record straight though:

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I’m pretty confident that if you asked anyone who has ever owned a rental property you would get an overwhelming response that it’s not as lucrative or easy as they thought it would be. In fact, owning a rental property can be a major pain, and end up costing you a ton of money!

I certainly don’t mean to be a “Debbie Downer”, and I know that if it’s done right it can be lucrative, but from an insurance agent’s perspective, I don’t see a lot of people doing it right.

So you’re probably thinking, “Well Chris, you are an insurance agent. What do you know about real estate or rental properties? Why should I take advice from you?”

I’m not a real estate agent, and I don’t own a rental property. However, several of my friends/family/clients/co-workers own rentals, and because I insure a bunch of their properties, I’ve had a first hand account of the process, and I’ve learned what to do, and what not to do.

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Homeowners and auto insurance rates are determined in many different ways. The process is┬ánot nearly as cut and dry as many people tend to believe. In fact, it’s a rather complicated algorithm of sorts that can be effected by many different variables.

My experience in the industry is that most people are misinformed and really don’t understand why their rates are what they are, especially if they increase, so this post will hopefully set the record straight for you.

Ready to dig in?

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