Category Archives: Homeowners Insurance

How to keep Family and Friends safe in the pool

Many children drown or are injured in residential pools every year. By implementing a good set of safety rules, parents can help keep their kids and visitors safe. Some people may think it sounds rude to lay down a list …

17th June 2013 No Comments

Homeowner’s Liability. It Goes Beyond Your Home.

One misconception about homeowners liability insurance coverage is that it only covers incidents in the home. In actuality, your Personal Liability coverage under a homeowners insurance policy is really not associated with any location, other than the limitations and exclusions …

17th June 2013 No Comments

Notify your Agent before starting a remodeling project.

In the upcoming year, home improvement activity is expected to rise. For those who plan to be a part of this rising number, it is important to have the right type of insurance and the right amount of coverage. Insurance …

3rd May 2013 No Comments

California Earthquake, April 2012

  In light of this week’s earthquake in California, I have had several conversations about earthquake coverage.  Earthquakes are not an event that is covered by a homeowner’s policy.  Similar to flood insurance, earthquake insurance must be purchased separately.   …

26th April 2012 No Comments

Reduce Fire Hazard by cleaning your dryer hose

Within the U.S., clothes dryers were involved in an estimated 15,600 structure fires, fifteen deaths, 400 injuries and $99 million in direct property damage annually. This is a huge fire safety issue. The odds are that the view behind your …

12th March 2012 No Comments

Homeowner’s Policies & Jewelry

      After receiving valuable jewelry, it’s important to contact your agent immediately. Keep in mind that most homeowners policies place limitations on coverage for personal valuable items. This means that owners of these valuable items may not receive …

31st January 2012 No Comments

Important Homeowner Exclusions

        Property exclusions exist in Sections A and B of a homeowners insurance policy. The following are some of the most important exclusions to know:   Collapse  – If a home collapses, there is no coverage provided …

24th January 2012 No Comments

Insurance Checklist for Home Buyers

      There are several issues to consider when looking for the perfect home to purchase. One of the most overlooked issues is insurance coverage. However, it is one of the most important aspects of home ownership. It’s essential …

17th January 2012 No Comments

Preparing for a claim

  Remember that you are responsible for substantiating losses that occur due to an insurable peril. The key to establishing the value of articles that have been stolen, lost or damage is to document and inventory your belongings ahead of …

10th January 2012 No Comments

What discounts are available to me on my insurance policies?

  Everybody loves to have discounts applied on their home owners and auto insurance policies – myself included. Here is a list of items that most carriers will give discounts for, so if any of these apply to you, please …

7th November 2011 No Comments