What Does Homeowners Insurance Cover? A standard home insurance policy (also known as an HO-3) protects your house for any issues that aren’t specifically excluded in the policy. Common exclusions include earthquakes, flooding, sinkholes, power failure, neglect, wear and tear, and intentional damage. Personal property (your belongings) is covered for specified “perils” in a standard…

Your standard home insurance policy doesn’t cover flood damage. And with flooding becoming more frequent, especially after fires due to burn scars, you may want to consider flood insurance to protect your home. California may be in the middle of a severe drought, but serious storms with flooding still occur. In October 2021, the Bay…

California is a hot spot for earthquakes. According to the U.S. Geological Survey, California has more earthquakes that cause damage than any other state. The California Geological Survey says that there are around 200 potentially dangerous faults and over 70% of Californians live “within 30 miles of a fault where high ground shaking could occur…

Whether you’re about to close on your first house in California or switching insurance companies, you want to acquire a policy at a reasonable price with good coverage. Here are guidelines for both new and longtime homeowners: Evaluate your rebuilding costs. Reach out to a contractor or your insurance company to figure out the cost…

The Official Drag Specialties Battle of the Baggers Round II Sonoma, presented by Custom Dynamics Motorcycle LED Lights & Accessories , Schedule!!!! It’s going to be jam packed with excitement, you don’t want to miss it! Sign up for Drag Racing, brought to you by Brad Boyle Motorsports, on the world famous NHRA Sonoma Raceway…

Is it necessary to have complete coverage on a financed vehicle? Your lender will almost always require full coverage auto insurance on the vehicle you’ve financed. This safeguards their investment in your vehicle. They want to know that if it is damaged or destroyed in an accident or by another risk, the vehicle will be…

Life Insurance Considerations Three Things to Keep in Mind If you’re interested in purchasing life insurance, you should consider the following: Never assume a health condition automatically disqualifies you from obtaining life insurance. Sure, maybe your health is less than perfect but you may be eligible for coverage, so always check with a licensed insurance…

Many property owners often have misconceptions about flood insurance, such as whether they can get it, when they can buy it, and how much it costs. Here are some of the most common myths and facts about flood insurance and the National Flood Insurance Program (NFIP): Myth: You can’t buy flood insurance if you live…

Homeowners don’t want bad things to happen to their houses because they’re expensive, sad, and a pain to deal with. Insurance companies also don’t want bad things to happen because bad things cost them money. Risk mitigation might involve: Having a smoke alarm with working batteries. Having a fire extinguisher. Living near a fire department.…

Most people would say their car is one of the most valuable assets they own — if not the most valuable. Despite that, however, some people make it downright easy for thieves to drive off in their pride and joy. Here are some things to do to not find your car gone 1. Leave your…