Homeowners Insurance: Your Detached Structures May Be Underinsured

homeowners insurance detached structures pool shed

Your homeowner’s insurance policy protects you from having to pay on your own for damage to your home caused by fire, wind, smoke, and other causes. However, your home might not be all you have to worry about. Does your property have a gazebo? A deck? A pool? An outside kitchen? A shed? A fence?…

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Have You Renovated Your Home? Call Your Insurer

Americans have been busy renovating their homes in record numbers since the COVID-19 pandemic. Home renovation spending grew 15% in the last year to a median of $15,000 (according to Houzz). It also found that higher-budget projects saw an increase to $85,000 or more in 2020, compared with $80,000 in the two years prior. When…

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A Personal Umbrella Policy is Essential to Protect Your Assets

umbrellas

For high-net worth individuals, the financial consequences of being sued can be serious business. They typically have more assets at risk should they be hit with a large court settlement or judgment. While compensatory damages may be standard across the board, some juries punish the rich especially hard for their negligence. But if you don’t…

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Wildfires Make for Difficult Insurance Market

firefighters fighting fire

More businesses in wildfire-prone areas are facing a difficult commercial property insurance market as insurers reduce their exposure and some have left the market altogether. Many businesses in areas that have already been ravaged by fires in the past, or those located in areas that are near forests and large grassy areas, are seeing their…

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How an Umbrella Policy Can Save You from Ruin

Do you have enough liability insurance? If there were a vehicle accident for which you were at fault, and a family breadwinner were disabled or killed, would your auto liability policy offer enough coverage to pay for a lifetime of lost wages due to such an event? Keep in mind, the legal system holds you…

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Six Tips for Prepping Your Home for Autumn

Six Tips for Prepping Your Home for Autumn

As the temperature starts dropping and harsher weather looms in the coming months, now is the time to get your home ready. Taking steps now to protect your home and belongings can help you enter the new season worry-free, and you might save money in the process. You can follow these tips to do just…

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Protect Your Home from Wildfires

Protect Your Home from Wildfires

Summer is here and that also means tinder-dry conditions and the threat of more devastating wildfires. Insurance companies have noted that the number of fires, their intensity and destructive force have all been growing with each passing year. As insurers have gotten stricter in their underwriting for homeowner’s insurance, many people in high-risk areas have…

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Smart Home Sensors Can Save You from Calamity

One of the nastiest surprises a homeowner can encounter is finding out about damage to their home that they could have prevented had they caught the problem earlier. For example, a leak that’s been slowly dripping behind your wall, causing extensive damage, may not be covered by your homeowner’s policy since you should have caught…

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Adult Children on Your Policies Can Create Coverage Gaps

Adult Children on Your Policies Can Create Coverage Gaps

These days many families are assisting their adult children financially far longer than parents of earlier generations did. That kind of support for college, and sometimes basic survival, can create insurance coverage gaps for the adult child that can be a major risk to the parents’ financial wellbeing. If you have an adult child who…

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Protecting Your Home from Threat of Wildfire

protect home from wildfire

The devastating wildfires of the last few years have resulted in insurers becoming more selective about the properties they are willing to cover. This intense spate of yearly wildfires has led to a record $12.8 billion in insurance claims. Some insurers have started non-renewing in these high-risk areas and others have just stopped writing new…

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Avoid Falling Victim to a Staged Car Crash Scam

The staged car accident scam is growing as perpetrators are getting craftier about entrapping unsuspecting motorists. Scammers usually meticulously plan their staged car accidents, leaving nothing to chance. You may not even know it was staged, while witnesses may only catch a glimpse and think they saw something they didn’t. Here are some common scams:…

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Will Your Policy Cover a Mold Infestation?

man cleaning mold damage house

Mold is a perennial problem for homeowners and, if left untreated, can cause health problems for members of your family. People exposed to mold can have reactions like:  Asthma Eye irritation  Itchy skin Sneezing and runny nose  Coughing and sore throat. While these symptoms can be signs of other health issues, if you have a…

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Quake Risk Requires Smart Planning and Insurance

earthquake damaged building

Life in most parts of California comes with the inherent risk that an earthquake can strike suddenly and without warning. You probably didn’t know that the state has more than 10,000 seismic events every year, but fortunately most of them are too small for people to even notice. Although the entire Northwest of the United…

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