ISO Protection Class Codes: What Are They? How Are You Affected?

  What Are They? The ISO (International Organization for Standardization) partners with municipal fire authorities, city managers and other community officials to evaluate local fire-protection resources.  Data is gathered and evaluated prior to a Public Protection Classification (PPC) being assigned. PPCs will range from Class 1 (best) to Class 10 (worst).  PPC's are more commonly known as Fire...

Water & Sewer Backup – What If It Happens To You?

  Backed up water lines and sewers can cause an incredible amount of damage to your home, costing thousands of dollars to repair floors, walls, furniture - even your home's electrical system.  Causes for backups can include aging sewer systems, older pipes within a home, combined pipelines, and blockages from tree...

Renters Insurance – Protecting Landlords & Tenants

  According to a 2014 Insurance Information Institute poll, only 37% of Renters said they carry renters insurance, while 95% of Homeowners carry homeowners insurance.  Plainly said:  63% of Renters polled would have no protection to help replace their belongings following a major loss. It's important to understand that if you rent, the...

Damage Caused by Rain or Windstorm?

  Rain and wind - Rain and windstorms can create massive destruction. When this damage occurs, many people find themselves wondering what is covered and what is not. Most property insurance covers damage from rain and windstorms. However, there are many exclusions and limitations contained in the policies that are unique...

Cooking Up Something in the Kitchen?

  This time of year finds many people home on the range, cooking up hearty, comfort food to stave off the chill outside.  But, with more cooks in the kitchen, the risk of home fires also increases.  According to the National Fire Protection Association, 40% of home fires begin where meals...

Personal Umbrella Insurance

Do you have personal umbrella insurance?  If not, it could cost you a fortune! If you have assets that are greater than your current insurance liability limits, you should protect them with an umbrella policy.  With the frequency of lawsuits increasing dramatically it has become more important than ever to make sure...

Hello from Brigette in Kingsburg!

Hello world! I first joined Van Beurden in 1994, and I think what I enjoy most is the people I get to meet everyday and the customers I provide service to. Insurance can be overwhelming for some customers; it's my job to help make good decisions. Happy New Year 2010, and thanks...