• Flood Insurance - Residential & Commercial

    7 Facts About Flood Insurance

    HDA Insurance has compiled the following 7 facts regarding Flood Insurance Policies and coverage afforded under such policies.   The following items are only displayed to offer the common understanding of the topic and in no way to be used as a determination, change or modification to the actual policy verbiage written by the National Flood […]

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  • Earthquake Warning System

    California Earthquake Warning System Approved

    Funding has been received to help implement the California Earthquake Warning System; the system has not been designed to prevent earthquakes but rather to provide enough time following the warning for utilities to shut off gas lines, elevators to come to a safety position, trains to brake and people to hide in a safe place […]

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  • FREE Home Insurance Policy

    FREE Homeowners Insurance – No Kidding!

    Through the past 25 years, clients have repetitively asked if HDA Insurance has a referral program as an incentive to clients wishing to refer family, friends, neighbors, colleagues and acquaintances.    HDA Insurance is a preferred processor of property insurance and does not charge any fees; many brokerage houses will write a new policy charging a […]

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  • Christmas Tree

    Christmas Hazard Caution – Keep It Merry!

    Decorations, ornaments and lights are an uplifting part of the holidays.  It is important that you take special precautions to make sure they’re safe for everyone and everything concerned.  In the midst of fun, excitement and getting together, something overlooked in the rush could cause a fire or hurt someone  We have some tips to assure […]

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  • Eat, Drink, and be Married!

    Wedding Plans – Don’t go it alone! Are you making arrangements to get married? December is the most popular month for engagements and more couples are choosing to tie the knot during the winter for gorgeous snow-filled photos. Did you know there were over 2 million weddings in the United States last year? The average […]

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  • Hot Water Heater Damage

    Water Heater Failure – Is It Insured?

    Must Read For Homeowners! To the astonishment of many, plumbing repairs are not covered by Homeowners Insurance.  There are very few instances in which plumbing systems will be replaced or repaired in the event of a loss; one of those instances would be a fire in which the home was destroyed and needs to be […]

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  • What is Escrow? Does Escrow Include Taxes & Insurance?

    The term ‘Escrow’ has two meanings.  Escrow is used mainly in the Western States as the process of closing the purchase or refinancing transaction of real property; Escrow Companies exist to facilitate the purchase, sale & refinancing of real property transactions.  In States where Escrow Companies are not used, Mortgage and Title Companies utilize ‘Closing Professionals’ […]

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  • ITV - High Value Home Insurance


      Is Your Most Important Asset Properly Protected?  – Homeowners Insurance As your single most valuable asset, it is of great importance to properly insure your home by selecting sufficient coverage to rebuild your home following a total loss.  The insurance industry refers to the value as ITV (Insurance To Value).   What is ITV? […]

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  • Deceased Homeowners Insurance

    Does Homeowners Insurance Remain In Force When The Insured Dies?

    Homeowners Insurance is property specific and is written as the Owner Occupied Primary Residence of the Titled Owner.  The Homeowners Insurance Policy is not transferrable and would need to be cancelled in the event of a change of ownership. Homeowners Policies include an Occupancy Clause which outlines the conditions and requirements regarding reporting occupancy changes; […]

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  • Rental Agreement - Renters Insurance Online

    Why do Landlords Require Renters Insurance with Additional Interest Clause?

    First of all, let us differentiate between Landlord requirements and State Tenancy Contract requirements.    There are some States where the Courts have been inundated with numerous and in many cases, senseless claims; this has prompted some States to require the Standard Tenancy Contracts to include the requirement for Tenants to carry Renters Insurance; thereby allowing insurance […]

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