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TIPS, TRENDS AND TALES OF THE INSURANCE WORLD
In-depth answers to frequently asked questions along with the latest news and industry updates.

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 …

WHAT DOES A PERSONAL UMBRELLA INSURANCE POLICY COVER? Read More »

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 »

Rental car insurance…yes or no?

What about Rental Car Insurance? You know the drill.  You’ve been here before. You’ve just come off the plane, picked up your baggage and gone to the rental car counter.   What fun!  You’re tired from the flight, about to begin an ambitious vacation or a challenging business project in a place you’ve never been before. …

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Preventing water losses at home

It’s eight o’clock on Friday night.  You’re about ready to go out and get dinner and drinks with friends.  You hear water running somewhere.  Odd, you think, and off you go investigating.  You find in short order that your water heater has chosen this moment in time to have a catastrophic leak-down. Fortunately, you are …

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