• 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 […]

    Read More
  • 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 […]

    Read More
  • 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 […]

    Read More
  • Trampolines and Insurance

    Trampolines and Homeowners Insurance – Hazard!

    Insurance companies will not insure homes where a trampoline is present! (Trampolines are a Hazard and a Great Liability Risk) Trampolines are not a welcome site when a Homeowners Inspector shows for the site inspection; inspectors are instructed to report the presence of a trampoline. It is commonplace for a homeowner to offer to pay […]

    Read More
  • Secondary Homes – Vacation Homes – California Program Update

    Secondary Home Insurance!!!  Now Permitted on a Standalone Basis!             Until now, Insurance Companies would require a homeowner to insure the primary home with said carrier before considering accepting the risk of a secondary home.   It is true that a secondary home presents greater risk and it would be prudent for […]

    Read More
  • Homeowners Insurance Discounts

    Money Saving Tips for Homeowners Insurance

    Amongst so many ways to discount and credit your homeowners insurance policy, mortgage companies require your house (collateral) to be insured.  You deserve every available discount but must take a little time to assure that you are receiving all the credits available for the particular insurance company that you select.  The following are some tips […]

    Read More
  • New Jersey

    New Jersey Homeowners Insurance Updates

          New Jersey Homeowners Insurance Revisions are as follows: Newer Home Discount – Utilities Rating Plan – have been increased and expanded to include homes up to 39 years old. Age of Insured Credit – a new discount introduced for all policy types that is based on age of the insured. Marital Status […]

    Read More
  • Vicious Dog

    Prohibited Dog Breeds – Animal Liability – Homeowners Insurance

    America’s favorite pet – we all love our dogs but our insurance companies carrying our homeowners insurance may not.  In fact the breed of your dog may determine whether or not you will be able to obtain preferred insurance coverage for your home. Insurance carriers are in the business of evaluating risk and publishing underwriting […]

    Read More
  • Burglary Prevention - Insurance

    11 Things Burglars Don’t Want You To Know

    Of course I look familiar. I was here just last week cleaning your carpets, painting your shutters, or delivering your new refrigerator. Yes, I really do look for newspapers piled up on the driveway. And I might leave a pizza flyer in your front door to see how long it takes you to remove it. […]

    Read More
  • Free Condo Insurance Quotes

    Your Condominium Insurance – What Is Walls-In Coverage?

    Free Condo Insurance Quotes Online In Less Than 3 Minutes Condo Insurance is also known as Townhome Insurance, Walls-In Coverage and Form HO6.  Since Condominium Buildings, Attached Townhomes and Co-Ops alike are constructed around community style living, the Homeowners Association (HOA) carries a Commercial Package Insurance Policy covering the Common Building Structure(s), Common Areas and […]

    Read More