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Fire Insurance is Imperative in Our Changing Climate

Most people aren’t ready for a wildfire, but there are steps you can take to reduce the risk. Maintain an adequate defensible space around your home and protect your home using fire resistant building materials. “Defensible space” is a buffer around your home that you can create by removing dead plants, grass and

Insurance Tips for Spring

The sun is out, the air is cool, flowers are blooming – that means it’s time for a little spring cleaning. After the winter we just had, it’s a good idea to do some preventive cleaning and maintenance to help maintain your home and property the rest of the year.

Water Detection Devices: The Best Choices For You

We all live and work in buildings with smoke detectors, but Californians haven’t adopted innovative new technology: water detection devices that warn about water damage from leaks or pipes. Western homes are much more likely to be damaged by water than by fire, but only a fraction have installed devices that

Fire Insurance is Imperative in a Changing Climate

Wildfires devastated California last year, causing fatalities and injuries, destroying nearly 10,000 structures, and displacing hundreds of thousands of people. As the number of wildfires increasing in California, obtaining fire insurance becomes more difficult for homeowners. Insurance companies aren’t renewing policies for customers in high risk areas. Those that can find

5 Winter Insurance Tips to Reduce Risk

VBI Blog Andrea Romo                    Winter is coming, and that means more risk for homeowners. If you live in Northern California or the Sierra Nevada, you already know that snow, water, ice, even the cold weather alone can cause property damage. What you may not know is that some of that damage

5 Things Homebuyers Should Know About Flood Insurance

Wherever in the western United States your home is located, it’s likely to be in a flood zone. That’s because flood zones are everywhere. In fact, almost 41 million Americans live in flood zones, according to a study published in the Environmental Research Letter. In 2017 alone the National Flood Insurance

Expensive Water Damage, and How to Avoid It

Water damage is the second-most filed claim by homeowners and renters every year, but few people really know how to keep water where it belongs – in your pipes and in your water heater – and not soaking your floors or dripping through your ceilings. Water may be a “necessity of

California Landlords: Require Renters Insurance in Your Lease

The National Fire Protection Association estimates that 70% of fires in multifamily dwellings are the result of tenants’ negligence. Many landlords don’t know that a lease can require tenants to obtain and maintain renters insurance – and doing so benefits everyone involved. Most tenants assume that the landlord’s insurance policy covers renters’

Be Prepared: Adding Teenage Drivers to Your Auto Policy

As sure as the sun rises in the morning and every day ends with a “y”, sooner or later parents will add their teenage children to the family auto insurance policy. It can be a challenging time, but it doesn’t have to be. Parents may be confident about their teen’s