GO AIB Insurance

My Speciality Is Professional Property Managers, Private Landlords and the people they deal with.

For 40 years I’ve heard the language of real estate as my family was consumed with property management and landlording in Georgia. My focus as an insurance professional is on the issues that affect the professional property manager and private investor including things like …

For the Property Managers

  • General Liability
  • Workmans Comp
  • Unowned Auto
  • Professional E&O
  • Discrimination Insurance

For the Property Owners

  • Landlord Insurance
  • Personal Umbrella Liability
  • Commercial Umbrella Liability

For the Tenants

  • Renters Insurance
  • Renters Liability

For the Vendors

  • General Liability
  • Workmans Comp

We help managers Make Money On Insurance for their owners, tenants and vendors.

We know how to properly insure properties held in

  • Limited Liability Companies
  • Corporations
  • Trusts
  • Family Limited Partnerships
  • Foreign Investors
  • Estate Owned Properties

 

If it’s kinky, we can figure it out, insure it and add the property manager for additional protection.

Contact Our Recommended Vendor

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View Our Expanding Line of Products

This is the part of our site where all the products, resources, videos, forms, manuals, handbooks, customized management agreements and leases, money-making ideas, CYA protections, checklists, service animal/comfort pet training and all you’ll ever need to run a safe and profitable management business. This is the “Mother Load”.

It will take us six to twelve months to get it all posted, and we’ll keep posting more as time goes on, but there will be more than you can digest before the end of the year. I’ve been digging through our 35 years of document archives and there’s more than I thought.

If you register we’ll send you notices as we post things so you’ll know what’s there and where to look for it.

Doc Assessment
Lease Agreement
Protect Yourself
Management Agreement
Scope of Service
Qualifying Guidelines
Buy/Sell a PM Co.
Starter Kit
Cashing In On PM
Client Support
Revenue Sharing
Onboarding New Owners
Preventing Litigation
Using Standard Forms?
PM Myths
Monthly Coaching

One on One

Video Training
Read More

How We Raised Our BBB Report From a C- to an A+

Video Explains How to Earn a Top Rating at BBB

We can help your company get the public praise you deserve, despite the negative comments and experience of a few unhappy owners or tenants. This video explains how we did it.

Get the Non-Disparaging Agreement as a Word DOC

  • This field is for validation purposes and should be left unchanged.

View Our Expanding Line of Products

This is the part of our site where all the products, resources, videos, forms, manuals, handbooks, customized management agreements and leases, money-making ideas, CYA protections, checklists, service animal/comfort pet training and all you’ll ever need to run a safe and profitable management business. This is the “Mother Load”.

It will take us six to twelve months to get it all posted, and we’ll keep posting more as time goes on, but there will be more than you can digest before the end of the year. I’ve been digging through our 35 years of document archives and there’s more than I thought.

If you register we’ll send you notices as we post things so you’ll know what’s there and where to look for it.

Doc Assessment
Lease Agreement
Protect Yourself
Management Agreement
Scope of Service
Qualifying Guidelines
Buy/Sell a PM Co.
Starter Kit
Cashing In On PM
Client Support
Revenue Sharing
Onboarding New Owners
Preventing Litigation
Using Standard Forms?
PM Myths
Monthly Coaching

One on One

Video Training
Read More

New Credit Reporting Rules Affects All Property Managers

Millions of consumers will wake up to a higher credit score this month, (as much as a 10 to 40 points improvement) through no fault of their own. Beginning in July, Equifax, Experian and TransUnion will no longer report public records on most civil judgments, such as evictions, money owed because of a lawsuit as well as many unpaid state and federal tax liens. PROPERTY MANAGERS AND RENTAL PROPERTY OWNERS WILL SUFFER.

As of July 2017, Experian, Equifax and Transunion are making updates when it comes to how items such as civil judgments and tax liens will appear on your credit report. Most Americans won’t see any changes to their credit score, but it’s good to be up to speed on what’s being reported now. We lay out what you should know about the items and what exactly is changing:

What part of my credit report could be impacted?

Tax liens and civil judgments are two types of public records that appear on your credit report if they’ve been reported to a credit bureau. A complete tax lien or civil judgment that is reported includes the following pieces of information: a name, an address, and either a birth date or Social Security number.

What is changing?

These items will still be reported to the three major credit reporting agencies (Experian, Equifax and Transunion). However, now there are additional criteria for them to appear on your credit report. Since many entries lack these data points, the credit reporting agencies are no longer going to present an entry if it doesn’t include at least three of those four criteria. Liens and judgments are negative events that can hit your credit report—and their removal may cause a slight increase in your credit score once they fall off your credit report after seven to ten years.

Will my credit score change?

The majority of people won’t be impacted. Estimates by FICO and most analysts indicate that 6-7% of people with credit scores may see these items come off their credit report with this change implemented, so those 12-15 million people may see a slightly increased credit score (likely 20 points or less). Your credit scores are calculated based on information on your credit report that’s reported to credit agencies by various sources such as lenders, creditors, and financial institutions. So negative information on your credit report can impact your credit scores. The impact depends on a lot of factors such as recency and what the item is exactly, so no two credit scores are impacted the same by an item like a tax lien.

Where do you see your public record(s)?

When you check your credit report, public records show in a section that usually appears after your personal information. They are in a separate section from accounts and credit inquiries. Tax liens (either state or federal), civil judgments, and bankruptcies are the public records you could see on your credit report.

Staying informed

As always, it’s a good idea to regularly check your credit report and keep an eye out for anything that may negatively impact your credit score, since any negative items on your credit report can cause your credit scores to drop. You also want to be on the lookout for anything that doesn’t look right as it could be something to look into further—like a potential sign of identity theft or something you need to dispute.

FICO is a registered trademark of the Fair Isaac Corporation.

View Our Expanding Line of Products

This is the part of our site where all the products, resources, videos, forms, manuals, handbooks, customized management agreements and leases, money-making ideas, CYA protections, checklists, service animal/comfort pet training and all you’ll ever need to run a safe and profitable management business. This is the “Mother Load”.

It will take us six to twelve months to get it all posted, and we’ll keep posting more as time goes on, but there will be more than you can digest before the end of the year. I’ve been digging through our 35 years of document archives and there’s more than I thought.

If you register we’ll send you notices as we post things so you’ll know what’s there and where to look for it.

Doc Assessment
Lease Agreement
Protect Yourself
Management Agreement
Scope of Service
Qualifying Guidelines
Buy/Sell a PM Co.
Starter Kit
Cashing In On PM
Client Support
Revenue Sharing
Onboarding New Owners
Preventing Litigation
Using Standard Forms?
PM Myths
Monthly Coaching

One on One

Video Training
Read More

Savannah Conference 2017

Savannah Conference 2017

When we teach a workshop on any topic we like to provide materials to help students implement some of the ideas shared in the class. This page was specially created for the students that attended our Savannah Conference workshop called Things You NEVER Put in Your PMA or Lease. We’ve provided the Owner Disclosure we mentioned in class along with some training videos and material that you and your staff may also wish to consider. At the right is the full video of the workshop, shot in our studio for others in your office to watch. This will provide some great fodder for staff conversations and collaboration within your company.

Savannah JPEG for Downloads
Fill out the form on the right to get an email with two attachments:
1) The Owner Disclosure Letter and Training document which was promised in class &
2) the Class PowerPoint slides.

Download Request Form

Managing Litigation- Breakout Downloads

<h4>Click to Claim Your Store Credit</h4>

Click to Claim Your Store Credit

Did Savannah Attendees Really Get Hundreds in Store Credit?

Compass Property Management Group $ 200.00 Credit  --  AHi Properties $ 400.00 Credit  --  Fickling & Company $ 200.00 Credit  --  Elite Home Management Services $ 400.00 Credit  --  EXIT Team Realty $ 200.00 Credit

Lowcountry  Property Management $ 200.00 Credit  -- PMI Georgia $ 300.00 Credit  --  Turner Properties $ 300.00 Credit  --  PMI North Atlanta $ 200.00  --  Skyline Properties Group $ 300.00 Credit

Garvin PM $ 100.00  Credit  --  Academy Properties $ 200.00  --  Carolina One Property Management $ 400.00  --  Your Rental Connection Inc $ 400.00  --  Backyard Realty Group $ 300.00 Credit

EW Capital Management LLC $ 300.00  Credit  --  RE/MAX Accent $ 200.00 Credit  --  Holtzman Real Estate Services $ 200.00 Credit  --  PMI NW Atlanta $ 300.00 Credit

Watch Our Most Popular Videos

View Our Expanding Line of Products

This is the part of our site where all the products, resources, videos, forms, manuals, handbooks, customized management agreements and leases, money-making ideas, CYA protections, checklists, service animal/comfort pet training and all you’ll ever need to run a safe and profitable management business. This is the “Mother Load”.

It will take us six to twelve months to get it all posted, and we’ll keep posting more as time goes on, but there will be more than you can digest before the end of the year. I’ve been digging through our 35 years of document archives and there’s more than I thought.

If you register we’ll send you notices as we post things so you’ll know what’s there and where to look for it.

Doc Assessment
Lease Agreement
Protect Yourself
Management Agreement
Scope of Service
Qualifying Guidelines
Buy/Sell a PM Co.
Starter Kit
Cashing In On PM
Client Support
Revenue Sharing
Onboarding New Owners
Preventing Litigation
Using Standard Forms?
PM Myths
Monthly Coaching

One on One

Video Training
Read More

Consumer Housing Trends from 2016 (Zillow Group Reports)

According to Zillow Group, 56% of all rental applications are from people in the Millennial generation, and they use their mobile device 76% of the time. Whoah! Read the report yourself and learn what you need to know for market success.

Training Property Managers Zillow Group Insights 2016 Report
Read More

HUD Charges Atlanta Condo Association and Real Estate Agent with Discrimination for Refusing to Sell to Families with Children

Gavel on sounding block

This complaint was related to familial status - or it was related to a Condo's covenants relative to fair housing law. In short, fair housing law trumps covenants.

The U.S. Department of Housing and Urban Development today announced that it is charging an Atlanta condominium association, a local real estate company, and its agent with housing discrimination for refusing to sell to families with children. HUD's charge of violating the Fair Housing Act is against Georgian Manor Condominium Association, Inc., HN Real Estate Group, Jennifer Sherrouse, and the Estate of Jean Branch.

The Fair Housing Act prohibits a housing provider from discriminating against families with children unless the housing meets certain requirements for housing for older persons.

Metro Fair Housing Services, Inc., a HUD-funded fair housing agency that promotes equal housing opportunities throughout Georgia, received information from HUD that Georgian Manor employed a policy of excluding children. According to the charge, the agent had advertised a Georgian Manor condominium for sale and conditioned the sale to those without children. The agency sent testers to inquire about the condo. When a tester told the real estate agent that she had children, the agent allegedly told her that no children were allowed and refused to show her the unit. During HUD's investigation, the agent admitted that several prospective buyers with children under the age of 14 inquired about the property and she told them about the restriction. The property was eventually sold to a single female without children.

"Systemically denying families the opportunity to buy an affordable home simply because they have children is against the law," said John Trasviña, HUD Assistant Secretary for Fair Housing and Equal Opportunity (FHEO). "Allowing families with children to purchase homes in the neighborhoods of their choice is part of the American dream, and HUD is committed to making sure all real estate professionals follow the Fair Housing Act, and not exclude families with children."

The HUD charges will be heard by a United States Administrative Law Judge unless any party to the charge elects to have the case heard in federal district court. If an administrative law judge finds after a hearing that discrimination has occurred, he or she may award damages to the complainant for its loss as a result of the discrimination. The judge may also order injunctive relief and other equitable relief to deter further discrimination, as well as payment of attorney fees. In addition, the judge may impose civil penalties in order to vindicate the public interest. If the case is heard in federal count, the judge may also award punitive damages to the complainant.

FHEO and its partners in the Fair Housing Assistance Program investigate approximately 10,500 housing discrimination complaints annually. Additional information is available online.

View Our Expanding Line of Products

This is the part of our site where all the products, resources, videos, forms, manuals, handbooks, customized management agreements and leases, money-making ideas, CYA protections, checklists, service animal/comfort pet training and all you’ll ever need to run a safe and profitable management business. This is the “Mother Load”.

It will take us six to twelve months to get it all posted, and we’ll keep posting more as time goes on, but there will be more than you can digest before the end of the year. I’ve been digging through our 35 years of document archives and there’s more than I thought.

If you register we’ll send you notices as we post things so you’ll know what’s there and where to look for it.

Doc Assessment
Lease Agreement
Protect Yourself
Management Agreement
Scope of Service
Qualifying Guidelines
Buy/Sell a PM Co.
Starter Kit
Cashing In On PM
Client Support
Revenue Sharing
Onboarding New Owners
Preventing Litigation
Using Standard Forms?
PM Myths
Monthly Coaching

One on One

Video Training
Read More

Why Listen to Robert Locke MPM, RPM

View Our Expanding Line of Products

This is the part of our site where all the products, resources, videos, forms, manuals, handbooks, customized management agreements and leases, money-making ideas, CYA protections, checklists, service animal/comfort pet training and all you’ll ever need to run a safe and profitable management business. This is the “Mother Load”.

It will take us six to twelve months to get it all posted, and we’ll keep posting more as time goes on, but there will be more than you can digest before the end of the year. I’ve been digging through our 35 years of document archives and there’s more than I thought.

If you register we’ll send you notices as we post things so you’ll know what’s there and where to look for it.

Doc Assessment
Lease Agreement
Protect Yourself
Management Agreement
Scope of Service
Qualifying Guidelines
Buy/Sell a PM Co.
Starter Kit
Cashing In On PM
Client Support
Revenue Sharing
Onboarding New Owners
Preventing Litigation
Using Standard Forms?
PM Myths
Monthly Coaching

One on One

Video Training
Read More