Insure your possessions for catastrophic events, not situations you can cover out of pocket. Keeping this rule in mind will keep your insurance costs down. You need to have high deductibles which will keep the premiums low. Again, any losses below the deductible is your responsibility to pay.
Are you prepared when an earthquake strikes?
Make sure your water heater is properly secure and strapped. Securing your water heater is a building code requirement.
Make sure you have a plan for everyone in the house and don’t panic.
I have not written a post in a couple of months, not because I’m on vacation or ill, but because I haven’t received any questions about insurance from my viewers.
First thing to do is talk to your insurance agent to determine if you have the right coverage for your risk, (car, home or ?). Once you determine what coverage is needed adjustments should be made to meet your budget.
Has it been a year or more since you reviewed your policy with your agent? If so, your not alone, this is the case for most people.
Have you made changes to your home? Have you remodeled your home or added to it since your last talk with your agent?
The California wildfires are at it’s worst. Yes, the fires were man-made.
No, the policy won’t terminate if the payment is missed by the due date, but you will receive a letter stating the policy will terminate if the missed payment isn’t received by the date specified in the letter. Most companies will give you plenty of time to get your payment in, the time varies from company to [...]
When you are seeking a home quote for insurance you will be asked many questions. The insurance agent will enter the information into a replacement cost estimator to determine the amount of insurance needed to rebuild your home. The home must be insured to 100% full replacement cost.
A lot of people get confused when asking for [...]
You don’t want to be caught unprepared!
Has it been a year or more since you reviewed your policy with your agent?
Have you made changes to your Home?
Snow and ice accumulation can damage natural gas meters and outdoor appliances such as barbecues and water heaters. To prevent potential damage or insurance claims:
Install a shelter above your natural gas meter to prevent snow or ice accumulation.
Use a broom, not a shovel to clear snow or ice off natural gas meters and outdoor appliances.
Keep [...]
