California’s Home Insurance Crisis: What Homeowners Need to Know
California’s Home Insurance Crisis: What Homeowners Need to Know If you’re a California homeowner, you already know that finding affordable home insurance is getting harder. Without knowing why, as a homeowner, you’re deeply immersed in California’s home insurance crisis. A crisis that has led many carriers to stop writing personal property in the state, or […]
The Long-Awaited Fix for California’s Home Insurance Crisis: Too Little, Too Late?
The Long-Awaited Fix for California’s Home Insurance Crisis: Too Little, Too Late? California’s homeowners insurance market is in crisis, with many residents struggling to secure affordable coverage. Wildfires continue to devastate communities, and insurers have responded by scaling back or pulling out altogether. While the California Department of Insurance has finally taken action to address […]
What is Dwelling Coverage?
What is Dwelling Coverage? If you’re a homeowner, you’re going to need to buy homeowner’s insurance. That’s just good financial sense. However, the homeowner’s policy can be confusing if you don’t understand all the terms. To help you build your insurance vocabulary and understanding, let’s help you understand one of the most critical components of […]
Is Fire Damage Covered by Home Insurance?
Is Fire Damage Covered by Home Insurance? As a homeowner, protecting your investment is crucial. Your home is likely the most expensive asset you own, and it deserves proper financial protection. That’s why homeowners insurance is essential, especially in fire-prone areas like California. Your home insurance protection should provide peace of mind against unexpected events, […]
What is Personal Property Coverage?
What is Personal Property Coverage? We all have personal belongings that we cherish – whether it’s your grandmother’s wedding ring, your new TV, or your favorite pair of shoes. But have you ever thought about what would happen if these items were stolen, damaged, or lost? That’s where personal property coverage comes in. Let’s dive […]
Does Home Insurance Cover Falling Trees?
Does Home Insurance Cover Falling Trees? This may seem obvious to some, but others have posed good questions asking, “Does home insurance cover falling trees? The simple answer is, yes. Homeowners insurance can cover damage caused to your home or the other structures on your property caused by falling trees or branches. In fact, home […]
What is a Property Deductible?
What is a Property Deductible? When you buy insurance the deductible is the portion of a loss that you will pay. So, when you purchase renters or home insurance, your property deductible is that portion of a claim that you pay to help repair your home or replace damaged or stolen property. For example, if […]
How Much Does Renters Insurance Cost?
How Much Does Renters Insurance Cost? If you need to buy renters insurance, then you’re looking for answers to the question, how much does renters insurance cost? Generally speaking, renters insurance is relatively inexpensive when compared to home insurance. In fact, you can even get a discount if you bundle renters insurance with your auto […]
What is Renters Insurance?
What is Renters Insurance and Do I Need It? You just rented a new home and your landlord is asking for a copy of your renter’s insurance policy. You tell them, “No problem.” Then it dawns on you, what is renters insurance anyway? Does it protect me or my landlord? If it protects me, then […]
How to Change Your Home Insurance
Learn How to Change Your Homeowner’s Insurance There are several reasons why you would want to change your homeowner’s insurance. Maybe you bought your policy as a first-time home buyer, and now it’s time to make a change. It’s possible you’re now frustrated with your insurance agent. Did your insurance company let you down with […]