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What If I Cannot Get Coverage?

Insuring Your High-Risk Home Whether your dream home is situated on a sheer cliff that commonly gets battered by storms or you are looking to buy in a riskier neighborhood so you can get more house for your money, there may come a time where you want to purchase a home that insurers will consider high risk. Of course, you should have the freedom to buy whatever property will best meet your family’s needs, but this could present a problem. You may have a difficult time obtaining coverage if you live in a high-risk area. Fortunately, you have a few options for finding the policy you need. Talk To Your Agent: If you have a good relationship with your existing homeowners insurer, give them a call. Ask your agent which improvements you can make to make your home less risky to insure and if there is anything else you can do to ... Read more

Protecting Your Home Against An Earthquake

Safeguarding Against A Quake The state of California is no stranger to earthquakes. We face the very real possibility of the ground quaking because we live on a fault line. All California residents know that while we get beautiful weather year-round and access to great cultural opportunities, we pay the price with our earthquake risk. Are you familiar with how to protect your home against the ground’s shaking? Here is a quick guide to doing what you can to make sure your house is earthquake ready. Anchor any large bookcases, filing cabinets, water heaters, and other large and heavy furniture and appliances to the walls. Install ledge barriers on all of the shelves in your home. Move heavy items to the lowest levels possible to minimize falling dangers in the event of an earthquake. Affix small appliances to your countertops and computers to their desks or tables. Put latches on your cabinet doors to keep ... Read more

Cut Auto Insurance Costs With A Good Driver Discount

How To Get A Good Driver Discount Do you think your auto insurance is expensive? You are right. In fact, Californians pay some of the highest rates for the coverage of any state in the country. Compared to nearby states of Oregon and Nevada, we pay 50 percent more for our policies! The good news is that there is a way you can save on your auto insurance, no matter which insurer you go with for your coverage. That is because there is a discount created by state law, captured in Section 1861.025 of the California Insurance Code, which dictates that as long as you meet certain requirements your insurance company is required to give you a good driver discount. In order to qualify, you need to have had your driver’s license for at least three years in either the United States or Canada. During that time, you need to have been ... Read more

Local Events To Spice Up Your Summer

Dive Into Fun At These Great Local Events Can you believe we are already halfway through the summer? The warm season always flies by with the kids out of school and so much fun to be had, but with a little planning you can be sure to soak up every minute of it. To help you take advantage of the last month of summer, here are a couple of August events you should not miss! Weekend Glow Jump: On Saturday, August 8th, gather up the kids and head to Pump It Up on Neroly Road for a night of fun! From 5:40-7:00 p.m., Pump It Up is hosting an open jump so your kids can bounce, slide, twirl, and play in their safe and fun LED glow lit facility. Wear white or neon, and your whole family will glow in the dark! Admission is $10 and will get a glow bracelet ... Read more

Boating Safety Tips For Summer

Are You Ready For Summer On The Water? Before you head out to take advantage of the summer, though, make sure you protect your fun by using these boating safety tips. Check Your Life Jackets: Just having your life jackets on board will do no good if they are not worn. Ensure that they still fit all of your passengers correctly and have not experienced any significant wear since last season so that each person who boards your vessel will have the lifesaving gear he or she needs. Get Educated: Take a boating safety course with the Coast Guard Auxiliary or U.S. Power Squadrons to eliminate one of the top five boating accident causes (operator inexperience). Bonus: Taking one of these courses can help you save on your boat insurance! Review Your Coverage: So that an accident out on the water, while you are towing, or even in your driveway does not leave you facing a significant financial ... Read more
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