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Homeowners Policy Exclusions: What Isn’t Covered

No matter what type of homeowners insurance policy you buy, there will always be perils the policy will NOT cover or exclude. It is important to understand these exclusions so you can make a decision on what additional insurance you will need to purchase for your real estate. For example, do you know which of these circumstances is NOT covered

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Insuring Jewelry and Other Valuables

Do you have valuable stuff? There is a giant misconception for most policy owners that ALL of their personal property is insured under their homeowners, renters, condo or dwelling policies. Almost all of your personal property is insured under your homeowners policy, however, most valuables have sublimits that leave you severely underinsured. What coverage is built into your homeowners policy

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Condo Owners Policy vs. HOA Master Policy

Anyone who owns a condo or townhome should be aware that their personal possessions, personal liability and upgrades to the unit may not be covered under the Condominium Master Insurance Policy and therefore they will need to take out their own Condominium Unit Owners Policy. It’s important to understand the cost of Condominium Unit Owners Policies and Condominium Master Insurance

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Swimming Pools and Lawsuits

Let’s face it; having a pool on your property is great! Pools look great, families love them, friends love them and they increase the value of your property. On a hot day in California or Nevada you need two things: a BBQ and a swimming pool. Have family & friends over, fire up some great food and splash away. Having

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Life Insurance Advice

Getting life insurance advice these days is simple. There are hundreds of people in your life, in your family or at your work that are willing to shower you with opinions on the subject. These same people also give you advice on restaurants, cars, hotels and where the best beach parking is located. Unlike decisions on beach parking, life insurance

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Risk Management

Risk Management is the identification, assessment and prioritization of risk and the methods used to reduce and manage such risks. Everyone utilizes a variety of levels of Risk Management in their daily lives. From an individual taking out a life insurance policy on a spouse to an international manufacturing firm implementing safety procedures, we all utilize Risk Management in one

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