Is Your Home Properly Insured?

  Here are some tips to help you make the right choices about homeowners insurance. Just as there are different home styles, insurers offer a menu of different policies. For the majority of single-family homeowners, the most appropriate policy is the HO-3, sometimes called the Special Form.  It insures all major perils,...

Operations Audit

A new growing season is upon us and we thought you should take a moment and rate your company’s performance in the following areas. If you have any concerns, we can help. Cal –Osha / Compliance How confident are you that you are fully compliant with Cal-Osha regulations and record keeping?   How confident...

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...

Is Your Home Underinsured?

  Underinsurance is defined as the limit of insurance being insufficient to replace or fully repair damages caused by a covered peril, such as fire, wind, theft, etc. I recently read a blog from Enhanced Insurance that I found extremely interesting and helpful, considering we deal with this subject on a daily...

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...