Earthquakes & Deductibles

Do I need Earthquake insurance This is the biggest question I always get.  My answer is always the same.   You buy insurance in case something happens, if you want […]

It's all about you, being independent

The dictionary defines independent as: not influenced by the thought or action of others. There are other definitions but for America, I think this defines it best. I don’t know about you, but when I think about the word […]

I lost my wedding ring, am I covered?

Are my jewelry, guns, and valuables covered? First, not all homeowner’s policies provide coverage for jewelry, guns, and certain valuables. There are several different homeowners and rental policies that cover […]

Ice Dams

Ice dams occur when ice builds up along the eaves (the overhangs at the edge of your roof) of your roof. Ice dams form when snow and ice melt off the […]

Homeowners Tips: Identity Recovery Coverage

High-tech gadgets, smartphones, desktop and laptop computers, online gaming sites, social media networks and other high-tech platforms are all susceptible to cyber-criminals whose mission is to steal your identities. You may have […]