Reducing Insurance Cost: HOA insurance coverage new rules apply, but you may still be able to lower your insurance cost. For instance, I recently quoted a newer Home Owner Association which was paying $72,000 for insurance. My quote with Farmers: $16,000! No kidding! The solo broker had placed the Association with a super Non-Competitive and Surplus Lines carrier. Their smart Manager recognized the huge […]
HOA Insurance Coverage New Rules Read More »
Unfortunately, both homeowners and auto insurance rates are expected to continue rising. Therefore, it’s unlikely that homeowner and auto insurance rates will stop increasing in the near future. But that doesn’t mean you can’t lower your insurance costs. The most serious reasons for the increases include the following: As a result, insurance companies are struggling
Will my Homeowners and Auto Insurance Rates Stop Increasing? Read More »
I’ve been selling life insurance for 26 years to families. Some years people have died, and I delivered a check to the husband or wife. It does not replace the tragic loss of their loved one, but it helps a lot so the surviving spouse can keep their house and have money in the bank.
When should I buy life insurance? Read More »
Clients are asking this solar panels impact on home insurance question, so I decided to answer it in this short blog post. Solar Panels As you probably know solar panels are devices that convert sunlight into electricity. They can help you save money on your energy bills as well as reduce your carbon footprint. Installing
How much are solar panels and are they covered by my home insurance? Read More »
Clients are asking about the impact on their home insurance of building an Accessory Dwelling Unit (ADU), so I decided to answer it as a short blog post. What is an ADU Yes, you can build an Accessory Dwelling Unit (ADU) at your home, subject to local permitting. An ADU is a small living or
Can I build an ADU at my home and how would my Home Insurance be impacted? Read More »
Clients are asking this question more frequently so decided to answer it as a short bullet point blog post.
Why are my Home Insurance prices increasing so much? Read More »
Insurance is the world’s Safety Net. We could not own and live in our homes, work in our businesses, drive our cars or protect our families (life insurance) without transferring the risk of loss to insurance companies for the price we pay them. I want to share with everyone my opinion about what to expect
Manager and Board Members Insurance Report 2024 Read More »
This post has been updated to include the latest 2025 Maps showing the State Responsibility Areas (SRA) and the Local Responsibility Areas (LRA) for Novato. Cal Fire’s predictions didn’t foresee the Altadena inferno. Now it’s changing its fire-hazard maps. “Gov. Gavin Newsom’s office said the maps, when completed, would add at least 1.4 million acres
Wildfire Zone? See How Close You are to One Read More »
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 »