Understanding the Value of Your Home

The valuation of your home influences your homeowners insurance policy, but how is that value determined? There are several ways to determine your home’s insured property value, including replacement cost, fair market value, assessed value, and actual cash value. Navigating these different measurements of value can leave you wondering which property valuation method is the Read More

6 Scenarios That May Warrant a Commercial Insurance Review

Your business can undergo significant changes even after an insurance underwriter has assessed your risk and worked out a fair price for your coverage. However, if you don’t conduct a commercial insurance review from time to time, you may fail to spot new liabilities incurred due to changes in your business. Some occurrences or developments Read More

4 Essential Elements of a Whole Life Insurance Policy

According to a recent study, 55% of Americans have a life insurance policy. What happens if you die without the appropriate coverage, like the unprotected 45%? You might leave your family in serious financial trouble. Owning a whole life insurance policy is one of the most practical ways to protect your loved ones from such Read More

6 Unexpected Benefits of Having Renters Insurance

If you live in an apartment, rental home, or other rented space, you can’t afford to skip out on renters insurance. Though your landlord would still be accountable for the physical structure of your rental property, their obligations will never extend to the damages incurred by your personal belongings or accidental injuries caused to third Read More

Are Flooded Basements Covered by Homeowners Insurance?

Accounting for around 90% of all natural disasters that happen in the U.S., flooding is by far the most common type of natural disaster in the U.S., with about 20% of flooding occurring in low and moderate-risk areas, as reported by the National Flood Insurance Program (NFIP). For this reason, flooded basements are a common Read More

A Guide to Auto Insurance in Lancaster, CA

Car crashes are quite common in the state of California. The state recorded about 9 motor-vehicle deaths for every 100,000 residents in 2018, as reported by the Insurance Institute for Highway Safety (IIHS), placing California among the top five most dangerous states for motorists in the U.S. In terms of economic impact, car crashes cost Read More

4 Reasons Why You Should Buy Life Insurance As a Young Adult

If you are a young adult in your 20s, now is a good time to plan your financial future. In general, this entails creating a solid financial plan that will help you build an emergency fund and save for retirement. More importantly, it will help you pay off your debts, allowing you to create a Read More

How to Find the Right Homeowners Insurance in Lancaster, CA

For a first-time homebuyer, the whole process of buying a home and obtaining homeowners insurance coverage can be incredibly overwhelming. Consequently, most first-time buyers tend to give little thought to the latter process. This is a big mistake because the median home cost in Lancaster, CA, is about $290,000, whereas the median home cost across Read More

How You Can Cut the Cost of Your Home Insurance in Lancaster, CA

Home insurance protects you from financial loss and gives you the resources you need in case you lose your home to a fire or other catastrophic event. With the cost of home insurance steadily on the rise, many homeowners are constantly looking for ways to lower their premiums while still keeping their high-end coverage. There Read More