Insurance Articles

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

If your homeowners insurance has gone up, there are multiple reasons that may have caused this. The good news is there are several ways you can save money to get your rate back down. 5 easy ways to get lower homeowners insurance. Homeowners insurance rates are based off a few different factors. Some will be within

More than likely if your mortgage company requests that you purchase hazard insurance they are referring to homeowners insurance. Before closing on a home many mortgage companies will require that you have homeowners insurance to finalize the paperwork. This is so that the lenders investment and your home is protected from certain hazards. Typically, homeowners

Homeowners insurance is much more than just a luxury. In most cases it can often be a requirement. No matter which way you look at it, home insurance protects one of our largest investments. Knowing more about insurance that protects such a big asset can come in handy. In this article we go over some