Wednesday, December 9, 2015

Does my home insurance cover damage caused by earthquake or flood?

NO.  A standard homeowner policy does NOT generally cover damage caused by earthquake and floods.  These sources of damage require additional coverage or a separate policy. READ MORE >>

Friday, November 27, 2015

Earthquake Insurance Coverage

Earthquake coverage can only be a covered loss if added onto your homeowner policy.  All standard homeowner policies EXCLUDE earthquake coverage; however, many insurance companies will allow t... READ MORE >>

Wednesday, November 11, 2015

Is Guarantee Rebuilding cost offered on Homeowner Insurance?

Many insurance companies have changed the wording on homeowner policies from Guarantee Replacement Cost to Extended Dwelling Coverage with a percentage such as 25%. READ MORE >>

Thursday, October 29, 2015

Why do homeowner losses cause increases and cancellation?

I have seen many insurance companies Non-Renew homeowner policy due to 2 small claims.  I advise is to not report a claim unless you know it's an expensive claim, such as a hail loss. READ MORE >>

Tuesday, October 13, 2015

2016 ACA Open Enrollment Period

The Open Enrollment Period for Affordable Care Act(ACA) is from 11-1-2015 to January 31st, 2016.....that is it, then enrollment is OVER unless Qualifying Life Event(marriage, divorce, loss of a job with it's benefits, move to a new state or child birth). READ MORE >>

Wednesday, September 30, 2015

Loss Assessment for Condo Policy

If you own a Condominium or Villa(shared wall type of dwelling) you may be familiar with Assessments.  A Condo insurance policy does not cover all types of assessments, in fact maintenance items simply are not covered. READ MORE >>

Wednesday, September 2, 2015

Are deductibles ever waived?

When will an insurance company waive a deductible?  Assuming a person has full coverage on an auto policy most companies will waive a deductible for minor glass repairs(less than size of $1.00 bill). READ MORE >>

Wednesday, August 5, 2015

Is Mold covered by homeowner policy?

A recent homeowner experienced mold in the attic.  The question any insurance claims office will ask/look for when visit the site is WHERE did the mold come from/HOW did mold get to where it is? READ MORE >>

Wednesday, July 8, 2015

Auto Insurance Optional coverages

What else can be added an auto insurance policy?  First and foremost higher auto liability limits are an absolute must.  Medical Payments, Underinsured Motorist,  Roadside/Towing c... READ MORE >>

Sunday, June 21, 2015

Does homeowners protect against damage by bugs, insects etc

I have personally experienced the nuisance of wasps, carpenter bees etc to home.  Carpenter bee damage simply is NOT covered by homeowner policies. READ MORE >>