What is Umbrella insurance? Umbrella insurance is additional liability insurance in excess of your primary auto, homeowners or boat insurance policies. This type of policy is written to protect you from catastrophic liability claims and lawsuits; the main purpose is the protection of assets. The Umbrella Policy: 1. Provides excess liability coverage above the limits […]
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During the past year, we’ve realized what a competitive niche we have to offer on Small Business Owners Packages and Lessors Risk policies. We are able to write the Property, the Tenant Business or both the Property and Business in an owner occupied scenario. Presently admitted to underwrite in the following 17 States: Arizona, Idaho, […]
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Texas has recently seen changes with insurance carriers either declining to insure homes in higher risk areas or simply excluding the perils of wind and hail from homeowners insurance policies. For homeowners who have a comprehensive homeowners insurance policy inclusive of wind and hail coverage, it is commonplace to find a separate deductible for ‘Wind […]
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Hazards of the Pacific Northwest Region The state of Washington has a significant earthquake risk; from the Cascadia Subduction Zone, which extends from Vancouver Island to Cape Mendocino, to the Seattle Fault Zone that runs underneath Puget Sound and the city of Seattle, millions of people are at risk. Earthquake insurance is one of the […]
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Meeting Daily Customer Service Needs – Direct Insurance – 24/7/365 HDA Insurance® Platinum Service™ helps you modernize how your insurance company serves you in ways you expect. Consider: • How Google, Uber, Airbnb and Amazon have changed customers’ expectations today. • That those who used to want in-person service now expect efficiency and expertise no […]
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Subsequent to the horrific 2017 wildfires in California, homeowners are finding it increasingly challenging to find reasonable home insurance. In some areas, insurers are now declining to insure homes leaving homeowners to the option of going to Substandard Carriers or the California Fair Plan for much less than desirable coverage at an exorbitantly higher premium. […]
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This is a great time to review your risk of earthquake damage to your home! An alarming number of homeowners were unprepared and uninsured following the devastating natural disasters in 2017. Don’t let this happen to you! Earthquakes occur regularly in the Pacific Northwest. Experts all agree that we are long overdue for a […]
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If your New Year’s resolution is to improve your finances, you’re not alone! A simple, solid and easy to follow plan is needed for success. We have a few ideas to help you manage your money in the coming year. Outline a budget. A budget is a simple summary of the dollars earned and the […]
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Insurance premium is always based on risk. Homes with an alarm system tend to have less burglaries, thus generating a lower premium. Simply generalized, discounts are given for less risk and surcharges are imposed for more risk. Insurance carriers also consider credit history as a rating factor; there are actually only 3 states which actually […]
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Successful Origination Team Seeking Partner? Our partner mortgage origination teams and our mutual clients reap the benefits of the Loan Officer’s consultative approach! If you don’t have a Homeowners Insurance Quotation accompanying each 1003, you may be missing your competitive edge; we can offer the following: Super Competitive Rates, Financial Stability, 50 States 1 Hour […]
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