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Are Your Valuable Possessions Protected?

People who own valuable possessions such as jewelry, antiques, paintings and other fine arts need broader coverage than what a basic homeowner’s policy provides. Although most homeowners’ insurance policies will pay for items damaged by losses such as fire and theft, scheduling these items expands coverage to protect additional losses such

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

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

National Flood Insurance Program Moves Close to Reauthorization

According to the Travelers Insurance Agent newsletter just received: The Senate was back in Washington yesterday and while they weren’t able to pass the bill yesterday that contains the extension of the National Flood Insurance Program (NFIP), the Senate has passed cloture by a vote of 60-30 on the motion to

California Earthquake Insurance Update

When an Earthquake occurs, and is of a magnitude where property damage may occur, insurance companies may put a moratorium in effect for any new business in that area. The moratorium will stay in effect until aftershocks have passed. With the recent 7.2 earthquake in Baja California several companies have