You’ve worked so hard to build equity in your home… Your home is possibly your most valuable asset, very possibly the asset that your retirement may be relying on; your home is also located in one of the most earthquake prone areas of the country. Mortgage companies require you to insure against Fire, Lightning & […]
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It has now been almost five years since California experienced the last earthquake of magnitude 6 or greater. The prior large event occurred in Napa, California. Experts all agree that this period of calm will end, usually with destructive results. The timing is unknown… Earthquakes must happen! Earthquakes are necessary to relieve the immense tectonic […]
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25 years after the Northridge earthquake, why most homeowners aren’t interested in earthquake insurance The devastating Northridge earthquake, 6.7 magnitude temblor, struck in the very early morning killing 60 people. Recently, Bay Area residents were awakened by the jarring of a 4.4 quake on the Hayward Fault near UC Berkley. During the past week, there […]
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How to Prepare for the next Earthquake… As our thoughts and prayers go out to the residents of the Philippines, this is yet another reminder that catastrophes do not come with warning. Each catastrophic event serves as another reminder of the importance of being prepared for the next earthquake with the hopes that it isn’t […]
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April is Earthquake Preparedness Month. If you haven’t already thought about it, now is the perfect time to get prepared for the next earthquake. Not only is it crucial that you be prepared, but spread the news to all your family, friends, neighbors and colleagues! Thousands of people, people who never thought they would experience […]
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Homeowners will contact the Claims Department for many reasons: inquiries and reports of fire damage, smoke damage, wind damage, water damage, burglary, personal injury and many more… It would be much better for the homeowner if he or she had a good understanding of their home insurance policy and coverage before filing a claim. It […]
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You wouldn’t set out to your child’s graduation party without looking great, so why would you list your home for sale if it weren’t looking its best? With the best first impression, your home will bring an appropriately impressive offer as you’d expect! Don’t make the mistake of many homeowners seeking for a lazy shortcut […]
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Many Landlords are shocked to hear that their Homeowners Insurance Policies will not cover a home that is tenant occupied! Facts about Insuring Rental Homes Residential 1 – 4 Unit Dwellings which are tenant occupied should be insured by a Personal Lines Landlords Policy; mortgage companies refer to all sorts of property insurance as ‘Hazard […]
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As a small business owner, general liability insurance may protect your company when the unexpected occurs. Liability insurance (also known as commercial general business liability insurance) covers a variety of situations, including injury or damage that occur on your property or that are caused by you or your employees. It can also cover costs associated […]
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2019 has brought great grief to the Real Estate Market; with the huge Fire Losses in 2017 and 2018, many insurance carriers have reduced their geographic service areas in order to underwrite against adverse selection. Rising interest rates, high market values and strict mortgage underwriting has left an increasing appetite for the rental market; not […]
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