Archive for the ‘Home Insurance’ Category
The Earthquake Automatic Gas Shutoff Valve
July 7, 2015Earthquake Shutoff Valve: Automatic Shutoff Valves ( Earthquake Shutoff Valve ) are created to automatically shut off gas flow in the event of an earthquake. In past major earthquake disasters, much of the damage has been done by fires starting after gas lines ruptured and ignited. Automatic gas valves may help to prevent this in […]
Insurance in Marin County
June 26, 2015I have written in the past about the extremes of writing homeowners insurance in and around wonderful Marin county. Many of these factors also are true in Sonoma and San Francisco counties and really also in and around most of the San Francisco bay area. That post mostly focused on the terrain in writing homeowners […]
The Home Deductible Conundrum
June 19, 2015Will choosing a higher deductible lower my insurance premium? Should I choose a lower deductible or a higher deductible? What deductible should I choose for my new home? The Home Insurance Deductible: A deductible is “An amount the insurer will deduct from the loss before…” paying out the policy up to the limits. Says IRMI […]
Ordinance Law and You
June 12, 2015What is meant by Ordinance and Law Coverage? How much Ordinance and Law Coverage Should you have in California? Ordinance & Law Coverage: In personal homeowners insurance – Ordinance and/ or Law Coverage is coverage that protects your home from the added cost of repairing or replacing your home from a covered loss due […]
Flood Insurance Questions
June 12, 2015Below are some common Flood Insurance Questions that I get. You do not really need to understand all of this stuff in order to buy flood insurance, but in some situation it certainly can not hurt you. In a very general sense I find clients need to understand more when they are in one […]
Insurance changes for newlyweds
May 29, 2015Congratulations on your recent nuptials! With all of the pomp and all of the pageantry, coming back to the real world can be difficult. However, getting married creates a full list of to dos. Now start working on Insurance for newlyweds When newlyweds think of the subject of getting your finances together after a […]
Non Standard Home Insurance
May 18, 2015What exactly is the non-standard insurance market? How do I know if I need non-standard home insurance. Should I hide facts about my home when applying? Non Standard Homeowners (Home) Insurance is a type of homeowners insurance for those that do not qualify or are refused standard home insurance. You usually may discover this either […]
Tiny Business Insurance
May 6, 2015What is Tiny Business Insurance? Is Tiny Business Insurance Real? How do I know if I need tiny business insurance? If you are new to the world of entrepreneurship, you may not have heard of small business insurance. Most likely you have been told you need to think about incorporation and that you need […]
Specific Insurance Questions for Personal Lines
May 1, 2015Below are some of the more specific Insurance Questions I get from time to time. In complete opposite to the common questions blog post we had in the past, this is a post dedicated to some of the more exact, yet equally important questions that I have found that both prospects and clients alike may have. […]
How to lower your Auto and Home Insurance Bill
April 29, 2015What can I do to lower my home and auto insurance bill? What can I do? Where can I start? Though similar this is a distinct and different question from How do I buy either cheap Home or cheap Auto Insurance. That question is more based on how you shop around – this question is […]
What documentation is required for Flood Insurance
April 15, 2015Flood Insurance is a rather unusual form of Insurance in that it is essentially created and backed by the federal government through FEMA, with the exception of Non Admitted Flood policies. FEMA stands for Federal Emergency Management Agency. All Homeowners Insurance (that I know of at least) excludes the peril of flood from Homeowners Insurance. […]
What is a Fire Protection Class?
April 9, 2015One of the most important things when underwriting a home for Homeowners Insurance is the Fire Protection Class. The fire protection class is a score that ranks from 1 to 10, with one. being the safest number and ten being the highest risk. The Fire protection class is an ISO product. This score is […]
