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Kevin Says Insurance Insider Blog

Wildfire Zone? See How Close You are to One

Wildfire zone risk 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. This post answers 3 key questions: How can you see and understand your wildfire risk level? What …

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5 Insurance Coverages every Condominium Owner Needs

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 …

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Fire Season Started June 1st – Are You Ready?

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 …

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Restaurant Insurance: 5 Tips for Restaurant Owners

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 …

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Loss Assessment Coverage for Homeowners in an Association

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.   …

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SOUND THE HORN: Beware of this Coverage Gap in Your Home Policy

“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 …

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