There are many factors that affect ever-changing home replacement costs. Due to fluctuating building costs, supply and demand and our everlasting economic standing your homeowners coverage needs to keep pace with the current replacement cost of your home. As a consumer, it is very important to review your California Home Insurance policy at least once [...]

For many that would mean financial disaster. Home Insurance avoids such risks. Clearly, not many people are faced with seeing their home burn down but damage and loss to your home can occur in many ways. Storms, gas explosion, vehicle accident and flood may spring to mind. But don’t forget that a thief will probably [...]

When you take out home contents insurance (Contents insurance is insurance that pays for damage to, or loss of, an individual’s personal possessions whilst they are located within that individual’s home. ), it’s a good idea to make sure your cover is “new for old”. This means that, if you have to have a damaged or stolen [...]

  Purchasing a home is an exciting and responsible step in ones life. Whether it is your first home or one in many homes, owning a property is a person’s largest asset. When you purchase a house, you put your life savings into the down payment or the entire purchase of the property. The most [...]

for my rental property? Is it a good idea to switch home insurance to rental insurance when a tenant is living in my rental property just in case if they smashed some holes on the wall, or some damages on the property? Thanks!

Buying a house and the bank wants to see an insurance policy purchased up front, this is a little different than I remember the last time we bought a house as they took care of everything. My question is how much am I required to insure? The loan amount will be for around $300,000 but [...]

When I shop for a home insurance I am always asked if my home is currently insured or if there are lapses in my insurance policy. Some companies outright refuse to give me a quote when I tell them that I haven’t had home insurance in the last 3-4 months. I am wondering why this [...]

Which would you chose; to go in debt to pay for insurance in case something happens so you do not lose your home? Or not pay for insurance and hope to god nothing happens bad enough to make you lose your home anyway by not having insurance? If you had to pay your insurance and [...]

The home is either livable or NOT livable…it matters NOT what disaster ruined the home.. Why then is it that you have to pay extra for each different type of circumstance? An accident is an accident…. a disaster is a disaster… the home can only be burned, flooded, distroyed by earthquake / tornado / hurricaine [...]

I’m in the process of buying a foreclosure home (Saratoga,CA, can’t transfer the insurance since it has already lapsed) that has a detached unpermitted cottage (2 bedrooms, kitchen, bathroom and living room total of 900 sq ft), the main home also has a unpermitted converted garage that is used as a in law quarter (separate [...]