Home Insurance for Smoke and Ash Damage from a Wildfire: Know What Is Covered

Wildfires can cause smoke and soot to come in contact with your property, damaging its structure and contents. It can also create a smoky atmosphere and odor that are harmful to health. Nonetheless, your homeowners insurance may reimburse such losses, depending on your policy type. Are You Covered for Wildfire-Induced Damages? Most standard home insurance Read More

Essential Steps to Take While Changing Your Homeowners Insurance

Sometimes homeowners need to switch their home insurance policy or provider, such as when they are moving, trying to save money, or get better coverage. Each homeowner has their own reasons for getting certain types of insurance, depending on how many occupants live in their home and several other factors. When Can You Switch Your Read More

9 Items That Are Not Covered by Homeowners Insurance in Lancaster, CA

When you buy a home, you need to ensure your real estate asset is protected by homeowners insurance. Without the basic coverage, you might have to pay twice out of your pocket for the same house, if it ever gets destroyed by a disaster. Even though home insurance provides broad coverage for property damage and Read More

A Quick Guide to Home Insurance in Lancaster, CA

Like many other parts of California, Lancaster city is prone to natural disasters such as earthquakes, wildfires, flash floods, and storms, among others. Homeowners in this region also face perils such as water damage, theft, and vandalism. Without the right home insurance coverage, these hazards and disasters can wreak havoc on your property as well Read More

6 Reasons Why Your Home Insurance May Be Canceled in Ventura

Maintaining a home insurance policy is the only way you will be able to repair or rebuild your home without having to pay out of pocket. There are reasons, however, that may cause your insurance provider to cancel your policy. Understanding what those reasons are will help you take appropriate action that will allow you Read More

What You Need to Know About Wildfires and Insurance Coverage

According to a recent article published in the New York Times, wildfires in the U.S. have grown larger and more destructive over the years.  For instance, in 2020 alone there were over 58,000 fires, more than 40% of which occurred in California per the National Interagency Fire Center (NIFC). Apart from killing at least 30 Read More

Can Mold Infestations Be Covered by Home Insurance?

A standard homeowners policy or condo owner insurance covers the house, related structures, personal property, yard, and liability. A common problem that can cause issues for homes is mold. Here is a look at how home insurance deals with mold coverage. When Is Mold Covered by Your Insurance? Your condo, homeowners or renters insurance policy Read More

Homeowners Insurance Policy: What is Other Structures Coverage?

One of the few peculiarities or needs associated with homeowners insurance is the other structures coverage. This article will provide what you need to know about addons or extensions, like other structures, on homeowners insurance. Other structures coverage is the part of a homeowners insurance policy that helps to pay for repairs or to replace Read More

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