Have you just recently bought a new home? Don’t get caught up in the excitement of closing payments and forget to protect your home by getting homeowners insurance. According to ISO in 2018, 5.7% of insured homes had a claim, with 98.1% of the claims being for property damage, including theft. Hence, what should come to … Read more
Are you a new homeowner in California in search of the best homeowners insurance for your new home? According to the Insurance Information Institute (I.I.I.) Consumer Insurance Survey of 2016, 31% of Americans see homeowners insurance as a financial burden. But have you ever thought about what could happen if your home wasn’t protected? The nationwide … Read more
When something bad happens, most people’s first thought is whether insurance will cover and pay for it. Their next step is to pick up the phone, call and ask us. While we wish we could simply tell everyone that “it’s covered,” it is more complicated than that and we’d like to explain why. In any … Read more
History First, let’s dispel the common belief that the California FAIR Plan (CFP) is a government agency – it isn’t. There are no taxpayer dollars involved and the individuals in charge are not government officials. The FAIR Plan is financed collectively by each admitted insurance company that writes insurance in California. The California FAIR (Fair … Read more
Why Do I Need Umbrella Insurance? Most people would be surprised if they did a close review of the coverage they have under their policies. Many would find their auto insurance limits inadequate to cover a helicopter or ambulance ride* for the person they’d injured. And that’s to say nothing of the ensuing medical bills … Read more
California’s Commissioner, Ricardo Lara, issued two very important press releases at the end of last year. The releases contained important information on a variety of changes for the ever-volatile home insurance market in California. FAIR Plan Changes Effective December 5, 2019 Commissioner Lara issued a mandatory one-year moratorium on non-renewals for more than 800,000 homeowners throughout the … Read more
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