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Importance of Earthquake Insurance

Living in California allows you to enjoy the mild climate and the hundreds of beautiful west coast beaches. However, it also comes with the danger of being caught in an earthquake. California has one of the highest risks of being hit by an earthquake out of all the states in the country. The only way to ensure that your home and belongings are protected from an earthquake is to invest in the right earthquake insurance policy. Only about 12 percent of homeowners in California have an earthquake insurance, which is way down from the 30 percent of people that had earthquake coverage in 1996.There is no wrong time to invest in an earthquake insurance policy, except when it is too late. If California experiences another earthquake like the 1994 Northridge Earthquake, or the most recent in Napa, more than half of the homeowners in the state will not have the ... Read more

Thanksgiving Sweet Potato Casserole

If you are a new homeowner then you are probably excited about throwing your first Thanksgiving holiday party! There is so much to do decorate the house, get a nice festive centerpiece and of course prepare a delicious meal for your guests. You want your first Thanksgiving in your new home to be a memorable and festive one. You have your turkey, all the ingredients for the dressing, potatoes, vegetables, buns, and pies but something is missing. How about a sweet potato casserole it is easy to make and will make a wonderful addition to the dinner table. One your guests will be talking about for years to come. Sweet Potato Casserole Four sweet potatoes (peeled and sliced) Half a cup of light brown sugar Half a cup of margarine or butter One (10-ounce) bag of white mini marshmallows One tablespoon of orange juice One tablespoon of Cinnamon One tablespoon of nutmeg Half a tablespoon of allspice Directions – ... Read more

Homeowners Halloween Safety Guide

Anytime you have visitors to your home there is a potential for liability issues. This is true for holidays like Halloween. If you want to minimize your exposure there are some safety tips you should observe. Here is a brief guide to making sure guests and trick-or-treaters have a safe Halloween when visiting your home. Turn the porch light on. Having an exterior light on not only helps visibility but it also lets neighbors know that you are welcoming trick-or-treaters. Don’t use an open flame in your Jack-o-lantern. It is much safer to use a battery powered light or even a glow stick to illuminate your carved pumpkin. Remove anything that may be an obstacle on your sidewalk and porch. It is getting darker earlier so make sure planters and other obstacles aren’t an impediment to those who are visiting. Secure your pets. You don’t want to take the chance of your pet ... Read more

How Earthquake Insurance Can Help

Earthquake insurance is available to homeowners nationwide. However, the special coverage is particularly important in California, which, after Alaska, is the most earthquake prone state in the United States. If you own a home in California, you will have to purchase your earthquake insurance separately, as it is not included with most homeowners insurance policies. Earthquake insurance premiums vary according to a number of factors, including whether a home has frame-wood or frame-stucco siding, which make it less susceptible to earthquake damage than homes built of brick or stone, which will crumble when jostled. The cost of earthquake coverage depends on where you live. For example, in the Midwest, where earthquakes rarely occur, coverage can cost as little as 50 cents per $1,000 of your home´s value. On the West Coast, however, where earthquakes are a far more common occurrence, the cost is higher, often $15 per $1,000, or about $7,500 per ... Read more
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