This post has been updated to include the latest 2022 Maps. Wildfire zone risk in California has become a huge concern for all of us, whether we are homeowners, Association members, or Insurance companies. For safety and insurance reasons it’s important to know your proximity to the higher risk wildfire zones and how the new …
My insurance tips are the results of my 21 years as a Farmers Insurance Agent – here are the main ones. The most frequent call I get every winter is from our home and rental property owners who had rain water enter their building after a big downpour or storm. Of course, I have to …
Auto & Home Insurance Tips To Protect You In Winter Read More »
I love surprises, but only good surprises, and I don’t want any of my clients getting a bad surprise and discover they did not have the right type or amount of insurance coverage after an Urban Fire or out of control Wildfire! This blog post describes the 5 insurance coverages every condominium owner needs to …
5 Insurance Coverages every Condominium Owner Needs Read More »
Some of you are close to the wildfires raging around us in Sonoma, Marin, Napa, Lake, and other counties of California and perhaps wondering about your wildfire coverage. Be advised if you are “mandatorily evacuated,” Farmers Insurance will pay your “hotel and other living expenses” for up to 3 weeks. It has to a mandatory …
As a result of the recent protests and riots round the country I received quite a few calls asking me if riot damage is covered by insurance. Riot and civil commotion are covered perils or accidents under your home, rental property, condo, renters, auto and business insurance policies with Farmers Insurance.
I am concerned about Fire Season this year because we had so little rain. After insuring homes, rental properties and businesses for over 20 years, I am both proud and grateful that after the terrible fires of 2017 and 2018, none of my clients were under-insured, as so many others were. The reason that my …
Whether you own a café, delicatessen, pizzeria, yogurt or ice cream shop, fast, family style or fine dining restaurant(s), there are 5 important restaurant insurance coverage’s every owner needs to have: 1. General Liability Insurance: This type of coverage most owners know that they need to have and normally get limits of $1,000,000 to satisfy …
Restaurant Insurance: 5 Tips for Restaurant Owners Read More »
It’s smart to buy Loss Assessment coverage in your individual home owner policy because if the Association’s board had to make a special assessment due to a liability or property loss, you may be “assessed” by the board to pay your share of the property deductible, or for any monetary damages not covered by insurance. …
Loss Assessment Coverage for Homeowners in an Association Read More »
“Tell me and I forget Teach me and I remember Involve me and I learn” -Benjamin Franklin I often get asked by smart HOA Board Members and Managers, “what is the difference between Walls In and Walls Out insurance coverage, and what about a home owner’s investment in upgrades, are they insured, and by which …
SOUND THE HORN: Beware of this Coverage Gap in Your Home Policy Read More »