Insurance Articles

California homeowners that live in high brush areas may find it difficult to find home insurance or they may have been dropped from an insurer in the past. Typically homeowners can choose from a variety of home insurance companies. Although, there are certain disasters and other economic pressures that may cause an insurance company to

When a home insurance company considers you for a homeowners insurance policy there is a good chance they will take the breed of dog you have into account. There are dogs that are more aggressive than others or may have a history of biting. Dog bites can lead to very costly liability insurance claims. Due

A Difference in conditions or DIC insurance policy provides expanded coverage for particular perils that may not be covered under your standard insurance policy. Difference in conditions coverage fills gaps in your insurance policy. Difference in conditions insurance is commonly used by larger organizations that may need to be covered for catastrophic perils.  Difference In

California FAIR Plan insurance is designed to provide coverage for high risk homeowners and renters that are having trouble finding protection through other insurance companies.  As of November 14th 2019, the California Insurance Commission ordered the FAIR Plan to start including coverage for non fire risks by June 1st, as well as double the coverage

If you leave your home unoccupied for a particular amount of time, you run the chance of your homeowners insurance company voiding your coverage. Due to this it’s important to know what is considered a vacant home and how you can protect yourself from risk.  What is considered a vacant home in homeowners insurance? What

There are many homeowners insurance companies that offer benefits and savings to seniors living in Lodi California. Another great feature that may be appealing to seniors is the identity and fraud protection that some home insurance companies may offer.  What are the best insurance companies for seniors? When you’re looking for a good insurance company

With the coronavirus still very active, you may be interested in knowing whether or not your home insurance covers you if the worst were to happen. Other forms of insurance such as health, auto and life insurance may be more easily affected by the virus. Where as homeowners insurance can get a little more complicated. 

Typically your standard homeowners insurance policy will provide around 10% of its main dwelling coverage to protect other structures. These other structures can be sheds, gazebos, garages and fences. Your homeowners insurance policy should define the protections for these structures as Coverage B. In addition, your main residence would be protected by Coverage A.  Both

A homeowners insurance deductible is a specified amount of money that you agree to pay to the home insurance company before a claim can be made. Your homeowners insurance deductible influences the price of your home insurance premium. For example the higher you choose your deductible to be, the lower your premium will end up

In most cases, your homeowners insurance policy will cover your child while they attend university. They must be under the age of 24 and need to be full time students living in on-campus housing. If your son or daughter does not meet these qualifications, more than likely they will need to purchase their own renters