Homeowner’s policies and Replacement cost coverage

Nationwide mailed out a letter to everyone that has a homeowner’s policy with them.  This letter is titled “Get extra coverage for extra piece of mind”.  This letter focus’ on the replacement cost coverage that you can have on your home.  Most companies offer two percentages, for example 125% or 150%.  Nationwide is now also … More Homeowner’s policies and Replacement cost coverage

The importance of having enough coverage – and understanding what coverage you DO have

Something unexpected happens, something that you never thought in 100 years would happen and it happens to you! It’s important to make sure that you know your limits and how you are covered for the unexpected. By taking a few minutes of reviewing your coverages with your agent, you might be able to prevent some … More The importance of having enough coverage – and understanding what coverage you DO have

Defensible Space

Defensible space   I’m sure some of you have been getting phone calls regarding possible non-renewals based partly on having 100 feet of defensible space around your home. With respect to clearance, it isn’t just insurance companies that require it, but also CAL FIRE. This “defensible space” is broken down into two zones: 0-30 feet … More Defensible Space

El Niño

With peaking El Niño conditions, weather experts are predicting heavier than normal amounts of precipitation for many areas in the Southwest. Some ideas that might help you avoid a claim. Proper maintenance is key. This includes keeping gutters free of debris, ensuring downspouts are clear and water drains away from the foundation of your home. … More El Niño

With winter coming, are you prepared? When thinking of your home, here is a list of things to consider to winterize your home. Make sure that all of your heating vents are clean and uncovered. Cover swamp coolers and air conditioners. Make sure that your exposed water pipes are covered.  Also make sure that your … More