Auto, Home, Renters and Earthquake Insurance • CA License #0D46359

auto

Distracted driving

Posted by on Jul 9, 2013

Distracted driving is a major cause of automobile accidents. With the increased use of cell phones in recent years, many would even say distracted driving has become epidemic in the United States. Distracted driving is defined as any activity which takes the driver’s focus off driving and onto some other activity inside the car, or vehicle – while that vehicle is in motion. Some people use the terms “texting while driving” or “talking while driving” to refer to distracted driving. According to the National Highway Traffic Safety Administration, “crashes linked to distracted driving claimed 5,474 lives and led to 448,000 injuries across the United States in 2009. That amounts to 16 percent of the traffic fatalities in 2009, the same percentage as in 2008.” A poll conducted in October, 2010 found that “93 percent of American drivers engage in distracted driving, such as texting behind the wheel, eating behind the wheel or even kissing behind the wheel.” That is a lot of distracted drivers on our highways and roadways! What can be done? Most people, of course, do not want to...

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homeowners

10 Things Home Insurance Won’t Cover

Posted by on Aug 21, 2013

Home Insurance Exclusions It’s important for every homeowner to know the ins and outs of his or her home insurance policy, but sometimes knowing what isn’t covered can be just as important as knowing what is. Here are 10 home insurance exclusions that every homeowner should be aware of. 1. Mold Damage Most home insurance companies exclude mold damage from their policies. Unlike a fire or tornado, insurers see mold damage as a problem that grows over time, and homeowners are expected to take preventive measures to prevent mold spores from spreading throughout the home. If left unchecked, mold can cause structural damage to the home as well as serious health issues for residents. 2. Floods, Earthquakes, Landslides As many homeowners found out in the aftermath of Hurricane Katrina, flood insurance is not covered under a standard home insurance policy. For protection against flood damage, you’ll need to purchase a separate flood insurance policy. Earthquake and landslide damage are also notable home insurance exclusions. You will need separate coverage for damage caused by these perils. 3. Aggressive Dog Breeds If your pet is a poodle...

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earthquake

I feel the earth move under my feet…

Posted by on Aug 22, 2013

Did the ground move? Being prepared is a high priority if you live in an area that is prone to earthquakes. Learn how to prepare for an earthquake so that you can survive this natural disaster safely. These earthquake safety tips will help protect your property as well as your family. Earthquake drills help you practice what to do when an actual earthquake hits. Brace yourself in an inside corner of the house or building, covering both your face and head with your arms. You can also look for a sturdy table or desk to hide under, making sure to get away from glass doors and windows. Deeds, social security cards, insurance policies (including earthquake insurance), wills and other valuables and important documents should be placed in a fireproof safe. Create both a digital list, which will be kept online with a data storage service, and a pencil and paper list of your household inventory valuables. Enough bottled water and food for three days should be stored away. Utensils, a battery operated radio, batteries, first-aid kit, flashlight, and a can opener...

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renters

Renter’s Insurance — The Basics

Posted by on Oct 3, 2013

Source:  CoverHound.com In the slightly confusing insurance world, renter’s insurance is something of an oasis of clarity. Your landlord most likely has insurance, but it probably only covers the building that you’re in. Renter’s insurance protects the property of those who rent their homes against theft and damages caused by accidents (fire) and natural disasters (hailstorms, lightning, wind). Despite its intrinsic straightforwardness, renter’s insurance does offer some choices for consumers. Renters can work with carriers to set limits in terms of coverages and deductibles; higher coverage amounts and lower deductibles mean higher monthly payments. Another interesting variable is the actual cash value (ACV) of belongings versus the replacement cost. Most items depreciate in value over time, so the cost of replacing them will exceed their ACV. Accordingly, replacement policies will be more expensive but will likely still appeal to those who are attached to their belongings, whether for sentimental or professional reasons. If you’re not too attached to your stuff and like to keep things fresh, an ACV policy might be attractive. One of the best options available to those who...

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Recent Posts

Renter’s Insurance — The Basics

Renter’s Insurance — The Basics

Source:  CoverHound.com In the slightly confusing insurance world, renter’s insurance is something of an oasis of clarity. Your landlord most likely has insurance, but it probably only covers the building that you’re in. Renter’s insurance protects the property of those who rent their homes against theft and damages caused by accidents (fire) and natural disasters (hailstorms, lightning, wind). Despite its intrinsic straightforwardness, renter’s insurance does offer some choices for consumers. Renters can work with carriers to set limits in terms of coverages and deductibles; higher coverage amounts and lower deductibles mean higher monthly payments. Another interesting variable is the actual cash value (ACV) of belongings versus the replacement cost. Most items depreciate in value over time, so the cost of replacing them will exceed their ACV. Accordingly, replacement policies will be more expensive but will likely still appeal to those who are attached to their belongings, whether for sentimental or professional reasons. If you’re not too attached to your stuff and like to keep things fresh, an ACV policy might be attractive. One of the best options available to those who opt for renter’s insurance is personal liability coverage. This protects you against a lawsuit stemming from a visitor getting hurt at the property you rent. If someone slips on a puddle under your icebox and tears up her knee, you might be vulnerable to a lawsuit; renter’s insurance can protect you. Most renter’s policies include liability coverage but you should check with your provider just to make sure. If your rental property is indeed rendered uninhabitable by an accident or natural disaster renter’s insurance can cover the cost of temporary alternative housing. Renter’s insurance is a good way to protect your family and your belongings in the case of an accident inside the property you’re renting. It’s not terribly expensive, and can also be secured at a discount when bundled with our insurance types, especially...

I feel the earth move under my feet…

I feel the earth move under my feet…

Did the ground move? Being prepared is a high priority if you live in an area that is prone to earthquakes. Learn how to prepare for an earthquake so that you can survive this natural disaster safely. These earthquake safety tips will help protect your property as well as your family. Earthquake drills help you practice what to do when an actual earthquake hits. Brace yourself in an inside corner of the house or building, covering both your face and head with your arms. You can also look for a sturdy table or desk to hide under, making sure to get away from glass doors and windows. Deeds, social security cards, insurance policies (including earthquake insurance), wills and other valuables and important documents should be placed in a fireproof safe. Create both a digital list, which will be kept online with a data storage service, and a pencil and paper list of your household inventory valuables. Enough bottled water and food for three days should be stored away. Utensils, a battery operated radio, batteries, first-aid kit, flashlight, and a can opener should be a part of your earthquake emergency...

10 Things Home Insurance Won’t Cover

10 Things Home Insurance Won’t Cover

Home Insurance Exclusions It’s important for every homeowner to know the ins and outs of his or her home insurance policy, but sometimes knowing what isn’t covered can be just as important as knowing what is. Here are 10 home insurance exclusions that every homeowner should be aware of. 1. Mold Damage Most home insurance companies exclude mold damage from their policies. Unlike a fire or tornado, insurers see mold damage as a problem that grows over time, and homeowners are expected to take preventive measures to prevent mold spores from spreading throughout the home. If left unchecked, mold can cause structural damage to the home as well as serious health issues for residents. 2. Floods, Earthquakes, Landslides As many homeowners found out in the aftermath of Hurricane Katrina, flood insurance is not covered under a standard home insurance policy. For protection against flood damage, you’ll need to purchase a separate flood insurance policy. Earthquake and landslide damage are also notable home insurance exclusions. You will need separate coverage for damage caused by these perils. 3. Aggressive Dog Breeds If your pet is a poodle or a Chihuahua, your home insurance company probably won’t bat an eye. Owning a pit bull, Rottweiler or other dangerous breed, however, may make it difficult-in some cases, impossible-to find home insurance coverage. Depending on your location, insurer and other factors, home insurance exclusions may apply to the following dog breeds:   Pit bulls   Staffordshire Terriers   Doberman Pinschers   Rottweilers   Chows   Akitas   Presa Canarios   Wolf-hybrids If you own a “blacklisted” breed, you may be charged more for coverage or denied a policy altogether; you can ask your insurer to exclude your dog, in which case you’ll be financially responsible for any damage it causes. 4. Neglect Insurers expect homeowners to care for their homes and repair minor problems. This includes sealing cracks, minimizing water damage, fixing damaged pipes, scheduling regular inspections and more. For example, if a storm causes your tree to fall onto your home, you’re probably covered. However, if your tree collapses onto your home because of a termite infection that went unchecked, you may be responsible for the resulting damage. 5. Sewage Backup Infamous...

Distracted driving

Distracted driving

Distracted driving is a major cause of automobile accidents. With the increased use of cell phones in recent years, many would even say distracted driving has become epidemic in the United States. Distracted driving is defined as any activity which takes the driver’s focus off driving and onto some other activity inside the car, or vehicle – while that vehicle is in motion. Some people use the terms “texting while driving” or “talking while driving” to refer to distracted driving. According to the National Highway Traffic Safety Administration, “crashes linked to distracted driving claimed 5,474 lives and led to 448,000 injuries across the United States in 2009. That amounts to 16 percent of the traffic fatalities in 2009, the same percentage as in 2008.” A poll conducted in October, 2010 found that “93 percent of American drivers engage in distracted driving, such as texting behind the wheel, eating behind the wheel or even kissing behind the wheel.” That is a lot of distracted drivers on our highways and roadways! What can be done? Most people, of course, do not want to be involved in an accident, but there seems to be a prevailing “it won’t happen to me” attitude among many. There are ways to prevent distracted driving, and some of those ways are discussed in more detail in our section on this website titled “Distracted Driving Prevention.” Perhaps driver’s education is one way to approach it, with special classes on the dangers of texting while driving and talking while driving being included in the classes. Several states in the U.S. have adopted laws prohibiting texting while driving, while others are in the process of doing so. Of course, law enforcement is only useful to a certain degree. Ultimately, educating the public on distracted driving is the best answer. If public resources are invested to forewarn the public that distracted driving is the leading cause of all traffic accidents, hopefully people will begin to take the message to heart and distracted driving statistics will start to...