Archive for the ‘Underwriting Criteria’ Category
Fireline and Your Home
May 13, 2016What is a Brushfire Score? What is a Fireline Score? Why does it matter? How we Can Help! The fireline score is one of numerous metrics used by home insurance companies to assess how likely it is that you home may be burned in a forest fire. Fireline is a registered Verisk trademark and product. […]
All About Flood Insurance in California
March 10, 2016Flood Insurance can be one the simplest forms of insurance for many. However it can become extremely complicated in certain situations. Most readers of this article will be able to read just a portion of it to get what they need. Others may find benefit in reading the entire blog post. This article was originally […]
Newly Mapped Flood Insurance
March 3, 2016What is the newly mapped flood insurance program from FEMA? How do I qualify for the newly mapped program? To Begin: Flood Insurance on the face of it, can be the simplest form of insurance. However, once you get into the details it can quickly become extremely complicated. The primary reason for this is […]
2016 Insurance
January 8, 2016Can you believe it is already 2016? How to clean up your insurance in the new year. Last year I put a short piece online through patch, about 2015. This year, I opted to have it my own site. 2016 Insurance: A quick list of Insurance things to check for the new year. Confirm […]
Mortgage Company & Homeowners Insurance
January 4, 2016Why does my mortgage company get listed on my homeowners insurance policy? How does it get removed? What rights does the lender have? Mortgage Company and Homeowners Insurance Homeowners Insurance contains a special mortgage provision. This provision or clause allows your mortgage company special rights. Your lender will require you […]
The Insurance Loyalty Surcharge
December 11, 2015Have you been with the same insurer for eight years? Did you know that staying with the same insurer can end up costing you more money? Are you aware of the difference between a captive agent and an independent agent? How long have you been with your insurer? Who gets charged with Insurance Loyalty Surcharge? […]
Most common perils not covered under homeowners insurance
November 19, 2015What are the most common perils not covered under a homeowners policy? What to look for and what to ask. The most common perils not covered under homeowners insurance polices very somewhat from state to state and much more so with what insurance policy you may have. Kindly read your own insurance policy to read […]
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 […]
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 […]
How your roof factors into your insurance costs
January 8, 2015Your Roof and your Homeowners Insurance How the age type and condition of your roof can affect your pocket book. What do you mean my roof can factor into my home insurance costs? An Insurance company may decline my home because of my roof? I might not be able to pass an insurance inspection because […]
Top 18 Reasons to Call Your Insurance Agent
December 2, 2014You probably know all the reasons why to contact your insurance agent, but have you thought about when to contact them? Here’s a partial list of the top 18 reasons you should give your insurance agent a call.
