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Moving from your State to another—Insurance timing is critical

There are plenty of reasons you might be fed up with California: Our governor, homelessness, crime, wildfires, cost of housing, food, gasoline. The list goes on. Whatever your reasons, auto insurance transfers done right can be a comforting thing. Yes, I just described “auto insurance” as a source of comfort. Before you move out to …

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What parts will go into my car for repair? OEM coverage?

There has been a rash of thefts of automotive catalytic converters.  These converters are central to a car’s ability to regulate emissions to State standards. This is of particular interest in California, home to some of the most rigid restrictions on the planet. Thieves will target makes and models with particularly easy to reach converters, …

What parts will go into my car for repair? OEM coverage? Read More »

What constitutes a “Hardened Home” in Fire Country?

So, here we are on the precipice of yet another drought summer and potential Wildfire-Palooza in California.  More and more of California is moving into what is labeled Special Hazard Interface Area (SHIA).   These areas are being viewed very carefully by the insurance industry as it tries to manage homeowner risk.  Fire hardened homes and …

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WHAT DOES A PERSONAL UMBRELLA INSURANCE POLICY COVER?

A Personal Umbrella policy, or simply an Umbrella, is meant to help protect you from large and potentially devastating liability claims or judgments. Personal umbrella coverage comes into play when your aggregate underlying liability limits, from a homeowners or auto insurance policy, have been reached. What Is Typically Covered by an Umbrella Insurance Policy Bodily …

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Auto mileage reporting to my Insurance Company. How is it their business anyway?

In California, the California Department of Insurance keeps watch on the Insurance industry operating in California. Thirty plus years ago, they were ordered by Voters to study, suggest and enact how insurance rates could be made “fairer”. One of those suggestions, that was supposed to make for more equitable rates, was that rates could only …

Auto mileage reporting to my Insurance Company. How is it their business anyway? Read More »

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