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Sending Your Kid Off to College? Make Sure They Have Insurance.

  Ask any parent who has ever moved a kid off to college:  When our kids move, they take a lot of stuff with them!  From furniture and TV's to cell phones and PC's, they can fill a dorm room or an apartment pretty quickly.  In order to protect those valuables, it's important to

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

Homeowners Insurance: What Affects the Premium?

  Have you ever wondered how your homeowners insurance premium is determined and what factors contribute to the cost?  If so, you're not alone.  Many of us secure a homeowners policy during the escrow process when buying our first home.  We take the first policy that we can get our hands on, and away we go.  It's only later, that we stop to

Mold: A (Growing) Concern

  There's no question that mold is an issue for most homeowners.  You can find it in some form in most every home. If not treated or removed, it can lead to extensive damage and cause major health issues - especially for people with allergies or asthma. In recent years, mold has been

A Conversation with Your Insurance Agent – 5 Things to Discuss

As an insurance professional, I read a lot of blogs by other insurance professionals and insurance carriers.  Browsing my favorite blogs the other day, I came across one from Enhanced Insurance that was particularly interesting to me.  Below are some topics from their blog that any well-informed insured should speak with their

Is Your Home Underinsured?

  Underinsurance is defined as the limit of insurance being insufficient to replace or fully repair damages caused by a covered peril, such as fire, wind, theft, etc. I recently read a blog from Enhanced Insurance that I found extremely interesting and helpful, considering we deal with this subject on a daily

Understanding the Cost to Rebuild Your Home

Your home is one of your most valuable assets.  Make sure you have enough dwelling coverage on your homeowners policy to rebuild to its original state if it's destroyed by fire or other covered cause of loss. While the current market value of your home may be lower than you'd

What does my Homeowners Policy Cover?

Have you ever wondered, “What does my homeowners insurance policy actually cover?” When you purchased your policy, were you shopping for the correct coverage or were you comparing prices? In recent years, many people have shifted their focus to being budget-minded, which is understandable in today’s economy. However, it’s important to

It’s Raining Lawsuits: Do You Need An Umbrella Policy?

  It's impossible to predict whether you might lose a lawsuit resulting from a car accident or an accident on your property. Nor is it possible to predict the amount that might be awarded to the winning party, an amount that you would be responsible for paying. To protect yourself against