Insurance Articles

You generally cannot bundle flood insurance with standard homeowners insurance because they are two separate types of coverage.   Why Flood Insurance Is Separate Homeowners insurance typically covers a range of risks, such as fire, theft, and certain types of water damage, but it explicitly excludes flood damage. Flood insurance is a specialized policy that covers […]

 Is Flood Insurance Worth It? Here’s What You Need to Know Flood insurance is a specialized type of coverage that protects homeowners from the financial devastation that can result from flooding. While standard homeowners insurance policies typically do not cover flood damage, flood insurance can provide crucial protection. But is it worth the extra cost?

It’s important to know that standard homeowners insurance policies typically do not cover flood damage. If you’re concerned about the risk of flooding, especially in areas prone to heavy rain, hurricanes, or rising water levels, you’ll need to consider purchasing a separate flood insurance policy.  Why Flood Insurance is Essential: 1. Standard Homeowners Policies Exclude

When it comes to protecting your home, most people assume that their standard homeowners’ insurance policy covers all potential risks, including natural disasters like flooding. However, this is a common misconception that can lead to significant financial loss if your home is affected by a flood. Understanding what your homeowners’ insurance covers—and more importantly, what

In 2018, when a nor’easter tore through Brandi Schmitt’s home in Lothian, Maryland, she had no idea that the storm’s aftermath would lead to a much bigger problem—mold. Like many homeowners, Schmitt assumed that her insurance policy would cover the damage caused by the storm. But as water continued to leak into her home due

Tree removal can be a costly and unexpected expense for homeowners, especially when it’s necessary due to storm damage, disease, or other hazards. Understanding how homeowners insurance interacts with tree removal can save you from financial surprises. Here’s what you need to know about tree removal and how it’s covered by your homeowners insurance.  When

Eugene C Yates Insurance Agency is recognized as the best provider of home insurance in Sacramento, California, for several compelling reasons. Their commitment to personalized service, comprehensive coverage options, and competitive pricing makes them a top choice for homeowners in the area.  1. Customized Coverage Options    Eugene C Yates Insurance Agency offers a wide

Eugene C Yates Insurance Agency stands out as the best car insurance provider in Sacramento, California. Known for its comprehensive coverage options, competitive rates, and exceptional customer service, Eugene C Yates Insurance Agency has earned a strong reputation in the community. They offer tailored policies to meet the unique needs of each driver, whether you’re

A recent UC San Francisco-led study reveals that stronger state insurance laws significantly enhance children’s access to mental and behavioral health services. The study, which analyzed data from nearly 30,000 U.S. caregivers, found that from 2016 to 2019, 1 in 8 caregivers struggled to obtain mental health care for their children. However, those living in

SACRAMENTO, California — On Friday, Insurance Commissioner Ricardo Lara issued an administrative order to accelerate the review of insurers’ rate requests, bypassing the earlier plan to implement changes through the California state Legislature and Governor Gavin Newsom. This action comes as Lara faces increasing political pressure due to property insurers exiting the state in response