If you’ve been dismayed at being dropped by your homeowner’s insurer or have seen your premiums rise dramatically in the past few years, you should know you’re not alone. While the insurance crisis is especially severe in California, homeowners across…
As homeowner’s insurance companies become more selective about whom they will or won’t cover, one element that can make or break the deal is the age of the roof. Some insurers in states at high risk of natural catastrophes are…
If you’ve been insuring your vacation rental with a standard homeowner’s policy, it likely won’t be enough to cover the various types of damage that are inherent when renting out property, like a guest accidentally breaking that $3,000 65-inch flat…
Homeowner’s and renter’s insurance provide essential protection against a variety of risks, from property damage to liability claims. However, it’s crucial to grasp the concept of sublimits within these policies, as they can significantly affect coverage for specific items. What…
In 2022, the American Pet Products Association estimated that there were approximately 88 million pet dogs in homes across the United States. Sadly, each year sees about 4.5 million reported dog bites, with 800,000 of those requiring medical attention, and…
When your home is damaged, you face not only the loss of property but also the challenge of covering your living expenses while waiting for repairs. Luckily, a standard homeowner’s policy includes coverage for “loss of use,” reimbursing you for…
Title: The Dangers of Self-Insuring Your Home in California As more Californians struggle to find affordable homeowner’s insurance, some are considering self-insurance as an alternative. While this may seem like a viable option, it comes with significant financial risks and…
Homeowner’s Endorsements: Crucial Coverages You Might Not Realize You Need When you own a home, it’s important to be aware of potential risks that your standard homeowner’s insurance policy might not cover. Luckily, there are additional coverage options called endorsements…
Preventing the Four Most Common Water Damage Claims Many homeowners who end up filing claims for fire or water damage often wish they had been more diligent with repairs and maintenance. The truth is, the majority of these claims could…
Theft or loss of a laptop, cellphone, or tablet can have serious consequences unless proactive measures are taken to minimize potential harm. Apart from the financial loss, having sensitive information on the device increases the risk of identity theft. Here…