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National Flood Insurance Program will NOT expire on September 30, 2011

According to Fidelity Flood Insurance Company:  The House of Representatives passed a short term funding bill that will prevent a shutdown of the federal government and continue funding for the National Flood Insurance Program (NFIP) until Tuesday Oct. 4.   When they return from recess Congress has the option to consider short term

Understand Boat Safety Before You Go Near the Water

Each summer millions of people hop aboard boats to participate in one of America’s favorite pastimes. But whether they’re on sailboats, powerboats or jet-skis, boating can present risks. In fact, in 2009, the most current data available, the U.S. Coast Guard reported 4,730 boating accidents and 736 deaths.  You can protect

Your Home’s Replacement Cost: Rebuilding vs. New Construction

Full Replacement Value: Why Rebuilding Could Cost More Than New Construction Your house is likely your largest investment. To protect it, choose the insurance coverage you need based on replacement cost, not original building cost. Consider these eight factors that could make rebuilding more costly than new construction: Temporary repairs. Unlike a

Flood Insurance: California Businesses & Homeowners Advised to Secure Coverage

According to a recent article in the Insurance Journal, the threat of flood in California is not over just because the inclement weather has subsided: California Businesses, Residents Urged to Consider Flood Insurance While California may have survived this past winter’s storms, experts are urging businesses and residents to consider flood insurance. The state’s

Flood Insurance … Are You Covered?

Flooding is not covered under your standard Homeowners Insurance policy. With the recent storms in Northern California, many may be concerned with the risk of flooding.  Here are a few quick facts that you should know: Flood insurance has a 30 day waiting period before it is effective (some exceptions apply) The maximum

“What can I do to reduce my auto insurance costs?”

With the state of today’s economy who is not trying to reduce costs and save money?  Just last night I spoke to a client that lost her job and no longer has to commute 14 miles one way to work.  By adjusting her annual mileage and daily use, we were

Low Cost Flood Insurance Relief for Homeowners

Many properties in Yolo County, Natomas, Visalia and other areas throughout California have been subject to revised flood maps since October 2008.  The premiums for these policies can run up to $1,400 or more per year! GOOD NEWS! FEMA has extended the lower cost Preferred Risk Policy (PRP) eligibility for buildings

Flood Insurance Program Extended to 5/31/2010

According to the Insurance Journal the National Flood Insurance Program has been reauthorized but only through May 31, 2010.  The authorization was retroactive back to 02/28/2010.  So, for a brief time, it will be business as usual. It is of great concern to me that the program could again go into

California Homeowners Insurance-Replacement Cost

Is your home insured to Replacement Cost?  According to the Insurance Journal, the California Department of Insurance is proposing regulations to ensure that homeowners have more accurate replacement values for their homes as under-insured homes are becoming a problem. With the recent down turn in the real estate market there is