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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

Flood Insurance: You’ve Got Options

For years, the National Flood Insurance Program (NFIP) was the only game in town when it came to securing residential flood insurance. There are now options for California homeowners living in flood plains mapped by the Federal Emergency Management Agency – Private Flood Insurance options that can result in premium savings

What type of home insurance do you ACTUALLY need?

In order to legally drive a car in the United States, you are required by law to be properly insured. The same is NOT true for homeowners insurance. It is not mandatory for you to insure your home or belongings if you live in a house, unless you borrowed money

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

Insuring Your Valuables – Scheduled vs. Non-Scheduled Coverage

  Once you reach the point in life where you start to accumulate "stuff" and furthermore, own items of significant value, you'll need to have insurance on that "stuff".  We all recognize the need (and responsibility) to carry auto insurance for our cars, and when we buy a home, we carry homeowners

Winterizing Your Home – 10 Simple Steps

  Most of us are well on our way into the winter mindset:  Hunker down, nestle by the fire and stay warm.  Even so, it's never too late to winterize your home.  The U.S. Department of Energy shares these tips to help maximize the warmth and save some dough. Apply weather stripping or