• Affordable Care Act

    Understanding Health Insurance Metal Levels

    There are many options to consider when buying Health Insurance. The Affordable Care Act (ACA) has made it simpler to compare plans by requiring insurance companies to offer plans that fall into one of four levels of coverage for individual and small group plans. The four categories are named after metal levels: bronze, silver, gold […]

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    05/28/2015
  • Condo Insurance

    Difference between Condo (or Townhome) Insurance & Homeowners Insurance

    Although there are great similarities between buying a house, a townhouse or a condo, there also some key differences.  In the case of a townhouse or condo, a Homeowners Association exists for the purpose of governing the property common to all unit owners.  The building structure and common areas are usually insured by a Master […]

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    05/07/2015
  • Does Homeowners Insurance Cover Termite Damage?

    Homeowners insurance policies are meant to cover damage to the home from covered perils which are sudden and accidental in nature;  for this reason, termite damage is generally not covered.  Although each year termites cause more than $4 Billion in damage, there is a great reluctance by homeowners to subscribe to a pest control service […]

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    05/04/2015
  • Renters Insurance Required

    May a Landlord Require Tenants to Have Renters Insurance?

    There are many benefits to both the Landlord and the Renter as a result of the Landlord Requiring the Tenant to buy a Renters Insurance Policy. The past couple of decades have offered us much needed insight on increasing issues which may involve insurance in a growing population.   As a result of multiple municipalities with […]

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    04/10/2015
  • Burned House - Insurance

    Homeowners Insurance Company Keeps Increasing Coverage Limits

    The average homeowners insurance premium has been increasing by an average of 6% since 2009 and reaching the all-time national average high of $1,000 as of 2013. Many homeowners take a look at the annual premium and feel that a reduction of coverage will be their only way to reduce the premium; most of the […]

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    04/06/2015
  • Homeowners Insurance Deductible

    Understanding Your Homeowners Insurance Deductible

    How Does My Deductible Work? When buying home insurance, it is imperative to understand exactly how the deductible applies to the policy and to which section and coverage on the policy it will apply to. Without this understanding, a consumer cannot make a sound decision about buying home insurance. The deductible is simply a dollar […]

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    03/24/2015
  • Renters Insurance Tips

    America’s Trusted Source for Renters Insurance           You may have found the perfect apartment, condo, townhouse or single family home to rent, Congratulations!  How are you going to protect your personal belongings and liability exposure? America is a vast nation spanning from the Atlantic to the Pacific Oceans, an approximate 3,000 miles […]

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    03/21/2015
  • Why Have Homeowners Insurance? What’s the Point?

    Fire Insurance is an expected expense for all property owners; it is common to find home owners who don’t know what their Homeowners Insurance or Landlords Insurance Policy covers. When one needs the insurance, it is not the right time to inquire about the limitation of coverage provided by the current policy. Understanding the purpose […]

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    03/16/2015
  • Spring Ahead

    Daylight Saving Time 2015 – Let’s Spring Ahead!

    Daylight saving time 2015 begins on Sunday, March 8 at 2:00 a.m.   It’s time to spring ahead, just wind your clocks one hour ahead on Saturday night and sleep in an extra hour on Sunday morning to catch up for the lost hour! This is a happy time for many as they look forward to […]

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    03/06/2015
  • Earthquake Fault

    9 out of 10 Homeowners Do Not Buy Earthquake Insurance in California!

    As consumers inquire about purchasing Earthquake Insurance, many of them ask ‘What percentage of people have Earthquake Insurance?’.    The percentage of California homeowners with earthquake insurance has steadily declined during the past 10 years despite the rising estimates of the probability of a major earthquake. According to the State Department of Insurance, it is estimated […]

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    03/05/2015