Insurance Articles

More than likely if you own a home you’ve heard of homeowners insurance and possibly a home warranty as well. Although very similar and designed to protect your home, they are different in many ways. In this article we will go over some of the basics of both to help you understand the differences. Home […]

Depending on what caused the actual damage, your homeowners insurance policy should cover damage to your fence. Within your homeowners insurance policy, there’s something called other structures coverage. This coverage protects you if your fence is damaged due to vandalism, storms or other covered perils. However, it more than likely will not cover you for

In the last 12 months you may have been spending more time at home due to the pandemic. A lot of us have even remodeled our homes to accommodate a home office. According to Bank of America’s survey around 70% of Americans have decided to take on home improvement projects than in 2019 versus 2020.

On average the cost of homeowners insurance in California is roughly $1,279 annually. However in Lodi California rates can average out to a lot lower than the California average. In Lodi California we found that the average rate can range anywhere from $515 to $945 per year. With the national average coming in at around

One of the easiest ways to save money and make your life more convenient in the process is to bundle your insurance policies. As you may have guessed, bundling your homeowners insurance and auto insurance is simply getting both policies from one insurance company. What sparks most peoples interest is the amount you may save

Wildfire season is well underway, with wildfires scorching a record breaking number of acres up and down California, and the peak of the season is yet to come. Mercury Insurance (NYSE: MCY) today announced two new programs the company is launching to help Californians better protect their homes and families if they live in areas prone to wildfires. Homeowners

Let me start off by saying, I am not a tax professional and you should seek counsel from one before making any changes.  Typically, your homeowners insurance is not tax deductible. That goes for most of the costs associated with homeowners insurance, they are not tax deductible on your federal tax return. Your homeowners insurance

Parametric insurance covers you whether or not a particular event takes place. For example a natural disaster. Homeowners in California may be interested in parametric insurance if they live in a high risk area for natural disasters like wild fires.  How parametric insurance works Most common types of insurance will reimburse you for repairs if

If you have a mortgage on your home, there’s a good chance your lender will require that you carry homeowners insurance. Although, homeowners insurance may not be a requirement if your home is paid off. What happens if you’re denied homeowners insurance coverage? If you’ve recently been dropped from your policy you may thinking what

Most homeowners insurance policies will cover you for sudden & unexpected water damage that may have been caused by faulty plumbing or a burst pipe. Please keep in mind some homeowners insurance policies will exclude damage that happens gradually over time. For example a very slow leak you neglected to take care of. Flooding caused