• FREE Home Insurance Policy

    FREE Homeowners Insurance – No Kidding!

    Through the past 25 years, clients have repetitively asked if HDA Insurance has a referral program as an incentive to clients wishing to refer family, friends, neighbors, colleagues and acquaintances.    HDA Insurance is a preferred processor of property insurance and does not charge any fees; many brokerage houses will write a new policy charging a […]

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    12/14/2014
  • Christmas Tree

    Christmas Hazard Caution – Keep It Merry!

    Decorations, ornaments and lights are an uplifting part of the holidays.  It is important that you take special precautions to make sure they’re safe for everyone and everything concerned.  In the midst of fun, excitement and getting together, something overlooked in the rush could cause a fire or hurt someone  We have some tips to assure […]

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    12/09/2014
  • Eat, Drink, and be Married!

    Wedding Plans – Don’t go it alone! Are you making arrangements to get married? December is the most popular month for engagements and more couples are choosing to tie the knot during the winter for gorgeous snow-filled photos. Did you know there were over 2 million weddings in the United States last year? The average […]

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    12/03/2014
  • Hot Water Heater Damage

    Water Heater Failure – Is It Insured?

    Must Read For Homeowners! To the astonishment of many, plumbing repairs are not covered by Homeowners Insurance.  There are very few instances in which plumbing systems will be replaced or repaired in the event of a loss; one of those instances would be a fire in which the home was destroyed and needs to be […]

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    12/02/2014
  • What is Escrow? Does Escrow Include Taxes & Insurance?

    The term ‘Escrow’ has two meanings.  Escrow is used mainly in the Western States as the process of closing the purchase or refinancing transaction of real property; Escrow Companies exist to facilitate the purchase, sale & refinancing of real property transactions.  In States where Escrow Companies are not used, Mortgage and Title Companies utilize ‘Closing Professionals’ […]

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    11/30/2014
  • ITV - High Value Home Insurance

    INSURANCE TO VALUE – ITV – PROPERTY INSURANCE

      Is Your Most Important Asset Properly Protected?  – Homeowners Insurance As your single most valuable asset, it is of great importance to properly insure your home by selecting sufficient coverage to rebuild your home following a total loss.  The insurance industry refers to the value as ITV (Insurance To Value).   What is ITV? […]

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    11/28/2014
  • Deceased Homeowners Insurance

    Does Homeowners Insurance Remain In Force When The Insured Dies?

    Homeowners Insurance is property specific and is written as the Owner Occupied Primary Residence of the Titled Owner.  The Homeowners Insurance Policy is not transferrable and would need to be cancelled in the event of a change of ownership. Homeowners Policies include an Occupancy Clause which outlines the conditions and requirements regarding reporting occupancy changes; […]

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    11/19/2014
  • Rental Agreement - Renters Insurance Online

    Why do Landlords Require Renters Insurance with Additional Interest Clause?

    First of all, let us differentiate between Landlord requirements and State Tenancy Contract requirements.    There are some States where the Courts have been inundated with numerous and in many cases, senseless claims; this has prompted some States to require the Standard Tenancy Contracts to include the requirement for Tenants to carry Renters Insurance; thereby allowing insurance […]

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    11/18/2014
  • Nevada Home Insurance Online

    Nevada Homeowners Insurance – Nevada Hazard Insurance

    State of Nevada – Insurance The State Motto is ‘All for Our Country’, meaning that the State would give all its allegience to the United States of America. Nevada is known as ‘The Silver State’ originating in the mid 1800’s during the silver rush days. With a population of  almost 3 million people, it houses […]

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    11/08/2014
  • Oregon Homeowners Insurance

    Oregon Homeowners Insurance – Oregon Hazard Insurance

    State of Oregon – Insurance The State Motto is ‘Alis Volat Propriis’, a Latin term meaning “She Flies With Her Own Wings”.   Oregon is known as ‘The Beaver State’ originating in the early 19th century when Oregon’s streams were a great source of beaver pelts used for the fashionable fur hats. With a population of  […]

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    11/02/2014