• 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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  • 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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  • 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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  • 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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  • 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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  • 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 […]

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  • 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 […]

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  • 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 […]

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  • 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 […]

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  • 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 […]

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