• California Wildfires

    California – Homeowners Insurance Premium Rising?

    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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  • Earthquake Insurance

    Happy New Year …. Time for an Earthquake Insurance Check-Up!

      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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  • Budget & Savings

    Becoming Financially Organized

    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 Credit Score

    Insurance Companies Using Credit Scores

    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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  • Savings Ahead

    Loan Processor Shortcut – Institutional Alliance

    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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  • Is Homeowners Insurance Based On Market Sales Value?

    Homeowners and Landlord Insurance Policies are both a form of Fire Insurance. Mortgage companies refer to the coverage as Hazard Insurance where most homeowners refer to it as home insurance. The primary coverage item on each of these policies is listed as ‘Dwelling Coverage’; dwelling refers to the primary structure on the property, the house […]

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  • Daylight Savings Ends

    Daylight Savings Time Ends

    Clocks fall back again on Sunday 5th November at 2 AM, it then becomes 1 AM.   It is that time of year again;  time to walk from room to room, indoor and outdoor timers, watch drawers and car gadgets adjusting the time to one hour earlier. Also a great time to change any battery […]

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  • Renters Insurance

    Why Buy Renters Insurance?

    The majority of renters feel that renters insurance is unnecessary. Many legitimately think that the landlord has them covered or that their belongings aren’t worth insuring. Most certainly, the Landlord has the property insured; however, Landlords’ coverage doesn’t offer any protection for the tenant’s liability or personal contents in the rented home, condo or apartment. […]

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  • Condo Townhouse Insurance

    Why Do You Need Condo Insurance?

    Why would you buy Condo or Townhome Insurance if you’re already paying your Condo Association a fee inclusive of insurance? While the Condo Association Master Policy does cover the building, an individual Condo Unit Owners policy is necessary to protect the interior of your unit, personal property, and personal liability coverage. HDA Insurance will bridge […]

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  • Homeowners Insurance

    Why I Should Buy Homeowners Insurance . . .

    You want to feel safe and secure in your own home, without worry or stress that all you have will ever be lost. After all, your home is your prized possession and perhaps your most valuable asset. Besides the fact that homeowners insurance is almost always required by your mortgage company, what better way to […]

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