• Renters Insurance

    How to Insure a Rental Property – Landlords Insurance

    If you own a home and rent it to others, Stillwater Insurance Group offers a Landlords Insurance Plan also known as a Tenant Occupied Dwelling Fire Policy.   It is essential to assure that the correct insurance form is in place for your rental home;  don’t be surprised in the unfortunate event of a claim with […]

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    06/28/2014
  • Safe Home Insurance

    Are You Safe With Stillwater Homeowners Insurance?

    Stillwater Homeowners Insurance provides coverage for your home and personal property from a  variety of perils, such as Fire, Theft, Wind, Vandalism, Water Damage, Hail etc…  Stillwater covers your home and personal contents;  if your home is uninhabitable due to a covered loss, the named insured will be paid for living expenses due to the […]

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    06/19/2014
  • Home Mortgage Loan

    A Mortgage for Your New Home

    Most people buying a new home need a mortgage loan to assist with the purchase; there are some options regarding where to go for assistance.   It is common for the loyal customer to contact his or her personal banking institution for assistance; however, it is no secret that the traditional banks for one reason or […]

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    06/15/2014
  • Hazard Insurance - HOA

    Understanding Hazard Insurance Requirements

    Your homeowners’ association Master Policy may not provide comprehensive coverage for your dwelling? Unit owners enjoy the benefits of  community living with a homeowners’ association governing community issues including insurance, most unit owners don’t understand the details of insuring their property against fire, water damage, and other hazards. A common misunderstanding is that the coverage provided by […]

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    06/12/2014
  • Federal Reserve System

    Are Interest Rate Hikes In Near Future?

    There is no indication that the Federal Reserve will raise the central bank’s rock-bottom interest rates despite the fact that there have been some recent positive economic indicators. Consumer spending has always been a major percentage of the overall GDP (Gross Domestic Product) in the U.S.A.; after the recession in 2008, consumer spending was at […]

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    06/01/2014
  • Escrow Impound Account

    Escrow – Impound Account and Home Insurance Updates

    An Escrow or Impound account  serves as a bank account associated but separate from your mortgage loan account.   Money is deposited each month thus building up a savings balance until an invoice is presented for home insurance and/or property taxes. Most mortgage companies pay bills that are presented approximately 2 weeks ahead of the due […]

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    05/30/2014
  • Impound Account

    Impound Account – Escrow Accounts

    During the most trying financial times, it is difficult for homeowners to receive letters from their mortgagee scheduling a mortgage payment increase due to interest rate hikes on a variable mortgage account.  Another upsetting scenario may be a notice advising that due to the increase of property tax rates and/or hazard insurance premium, there will […]

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    05/26/2014
  • Understanding Home Insurance

    Would You? Should You? Could You? – Homeowners Insurance

    We are often asked what the price is for Home Insurance.  A more helpful question may be “For the requested coverage, what will the premium be?”  Could you imagine buying 5 lbs of apples or 10 lbs of potatoes and not reviewing the product before checking out from your local Supermarket?  Apples could be insect […]

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    05/20/2014
  • Travel Insurance

    Travel Insurance – Why Worry? Be Safe? – Affordable Travel Insurance

    Protecting your vacation and money spent is the first objective of travel insurance.  In addition to protecting you from trip cancellation and medical emergencies,  we also look after your personal belongings.   Our travel insurance offers reimbursement for lost, damaged or stolen luggage and belongings. In addition, our administration center offers assistance in replacing lost prescriptions, […]

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    05/17/2014
  • Palomar Specialty

    High Value Residential Earthquake Insurance Program

    HDA Insurance is pleased to announce that we have added a new admitted carrier to our Residential Earthquake platform. Palomar Specialty Insurance Company, an “A-” rated carrier by A.M. Best Company, will serve the high value home segment. Our current programs provide limits up to $5 million coverage A in all California counties except Los […]

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    05/13/2014