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How Does Earthquake Insurance Work In California?

5 minute read

After the recent Ridgecrest, California earthquakes, there has been a lot of buzz about “the big one” coming and how that will affect Southern Californian residents’ Earthquake Insurance rates. Whether you already have Earthquake Insurance coverage on your Homeowners policy or if you are looking to add it now, you should know that rates are predicted to change significantly.Read More »How Does Earthquake Insurance Work In California?

should i buy a fixer upper

Homeowners Insurance: Should I Buy A Fixer-Upper?

5 minute read

Have you ever heard of house-flipping? It’s a new trend for people to buy homes that are in bad shape but located in popular areas, and then “flip” them into modern homes that can be sold at a high profit. You may have heard of Joanna Gaines from the popular HGTV show, Fixer Upper. Her and her husband, Chip Gaines, became famous for flipping fixer-upper houses in Waco, Texas and making them into beautiful homes that any couple or family would want to live in.Read More »Homeowners Insurance: Should I Buy A Fixer-Upper?

Is Flood Damage Covered By My Homeowners Insurance?

5 minute read

From extreme flash floods to powerful winds, storms have recently torn through many states. Whether you live somewhere that only gets a few inches of rain or somewhere that receives rain in torrents, you might be wondering if your Homeowners Insurance policy covers flood damage. It’s important for you to know that most standard Homeowners Insurance policies do not, in fact, cover flood damage done to your home. This means that your best bet is to add Flood Insurance to your policy. Read More »Is Flood Damage Covered By My Homeowners Insurance?

ordinance or law coverage

Homeowners Insurance: Do You Need Ordinance or Law Coverage?

3 minute read

Insurance can be a tricky part of life, especially when it comes to your home. This is because there are so many types of houses, and many of them are unique. Luckily, insurance companies know you want to protect one of your most valuable assets in the best way possible. That’s why they offer many different types of coverages you can include on your Homeowners Insurance policy. One of these coverages that you may want to consider if you have an older home is Ordinance or Law Coverage.Read More »Homeowners Insurance: Do You Need Ordinance or Law Coverage?

Avoiding Holiday Disasters: Fire Safety Is Key!

8 minute read

Thank goodness that fires are covered in a standard Homeowners Insurance policy, right? Well, if you consider the fact that a Homeowners Insurance claim will only cover rebuilding your home, not its current value, you may decide to be a little more careful when it comes to fire safety during the holidays. Accidents and mishaps happen more often around this time of year, including fires in the home. We’ve made a list of the most common holiday disasters, along with a list of do’s and don’ts. We hope we can help you prevent a fire this year and wish you and your friends and family a happy and safe holiday. Make sure to share these important tips with everyone near and dear to you.Read More »Avoiding Holiday Disasters: Fire Safety Is Key!

couple in their new condo

What Should I Know Before Buying Homeowners Insurance or Condo Insurance?

4 minute read

Chances are that if you own a home you have Homeowners Insurance or Condo Insurance. Even after people have paid off their mortgages, they often opt to keep their Homeowners Insurance policies active to protect their assets. This is because it’s the only reliable form of protection for a very valuable asset. Are you in the process of buying a new home or considering other options for an insurance carrier? Then it’s important to educate yourself on Homeowners Insurance coverage options and the factors that affect a person’s rate first.

Read More »What Should I Know Before Buying Homeowners Insurance or Condo Insurance?