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Wild Fire

Does Homeowners Insurance Cover Wildfire Damage?

A homeowners insurance policy will cover damage from fire, including wildfire. If your house is damaged by a fire, the policy has several coverage types to help repair or rebuild the home, replace belongings and, if necessary, pay for temporary housing if you can’t live in the home. If you haven’t recently

How to Choose the Right Auto Insurance – Part One

Before you hit the road in California you must have auto insurance and be able to prove it. Like millions of insured drivers on the road, you pay a premium to an insurance company but, like most drivers, you haven’t filed a claim in years. But that’s how insurance works. If

Does Your Insurance Cover Your College Student’s Dorm?

School is back in session, which means for many it’s time to pack up the incoming freshman’s belongings and move them into their first year at college. What a lot of parents don’t consider though is if your student’s belongings are covered through your insurance policy. Having insurance for your

California Dept of Insurance Launches Coverage Comparison Tool

  The California Department of Insurance launched a Homeowner Coverage Comparison Tool to help assist Californians in making better informed decisions when shopping for Homeowners, Condo Owners, or Renters insurance policies.   The tool is designed to allow consumers to compare coverage limits and features by policy type among a long

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