True or False: Home, Condo or Townhome owners don’t need home insurance because they pay HOA fees.

Most people believe this is TRUE because they think the HOA insures the interior (including contents) and exterior of the unit. In some cases, the HOA policy will cover both the interior and exterior, but it never covers your contents or personal property. Most of the time, the property owner is responsible for the “walls-in.” […]

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Renters Insurance…The Best Bang For Your Buck!

I truly believe that renters insurance is the best bang for your buck. On average renters insurance usually runs between $20-$25/mo and covers two main things: 1. your personal property 2. the unintentional actions of you, your family members and your pets. COVERAGE #1: PERSONAL PROPERTY Personal property is all of your “stuff.” This is […]

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Does your Homeowner or Renters policy cover PDA’s, smartphones or iPhones?

Most phone carriers (Sprint, Verizon, T Mobile, etc.) offer insurance on their phones. Depending on the carrier, there are a few different types of insurance coverage (standard and total equipment). The monthly cost is between $4-$8. If your phone is lost, stolen or damaged, you can make a claim with your carrier, pay your deductible […]

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Wild fires and brush and home insurance!

In the past, “Fire Season” used to consist of only a few months a year. Unfortunately, this is no longer the case. Fire season is year round…especially in southern California. What does this mean to you in regards to your home insurance? With the recent wild fires, insurance companies had more fire claims than they […]

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Avoid Being Bitten With a Lawsuit by Being a Responsible Dog Owner

I.I.I. Study Shows Dog Bite Claims Cost Nearly $390 Million Annually NEW YORK, Sept. 14 /PRNewswire-USNewswire/ — Man’s best friend is sinking its teeth into homeowners insurance costs. Dog bites account for one-third of all homeowners insurance liability claims, costing $387.20 million in 2008, up 8.70 percent from 2007, according to the Insurance Information Institute […]

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