Monday, October 28, 2013

NFPA Safety Tips -- Halloween Safety

Planning ahead can help make this Halloween a fire-safe one. Taking simple fire safety precautions, like making sure fabrics for costumes and decorative materials are flame-resistant, can prevent fires.

Get the free NFPA "Be Halloween Safe" Safety Tip Sheet at

Friday, October 25, 2013

Wednesday, October 16, 2013

2013 New American Home moves into Phase 2

Construction on the 2013 New American Home moves into Phase 2 with the introduction of the rough trades and the installation of Sierra Pacific windows.

Thursday, October 10, 2013

California's Low Cost Automobile Insurance Program

California Law requires that all drivers be insured. However, too many low-income drivers remain uninsured because the costs of standard insurance premiums are beyond their financial reach. The California Low Cost Automobile Insurance Program provides affordable liability only auto insurance that meets the state's financial responsibility laws. More information is available from

Monday, October 7, 2013

Renters Insurance - Are You Prepared?

Renting a property usually means that you don't have to worry about a great number of issues that may arise. For instance, in many cases you could rent a place and if plumbing inside the property breaks down, you can easily call your management company and they would be responsible for fixing the issues that you might have. Whether it's a plumbing leak, or just a nuisance that you need help with, you'll get assistance with relative ease. Even though you have a helping hand here, you may not always get assistance. For example, if that same plumbing leak damages your property in any way, the company that you rent from is not necessarily responsible. That's where understanding renters insurance can come in handy.
Much like the policy that you would get on your vehicle or health, this option can help protect you against the cost of replacing a number of things that you can have stolen, broken, or damaged. For a small fee you will gain peace of mind in case anything happens. Whether it's a natural disaster like one of the many fires, or someone robs you, you'll be able to file a claim and get either a lump sum or your items replaced at a fair market price. Before you can file an accurate claim you're going to need quite a few details. Most renters will keep a list.
Some people find the task of making and organizing a property list difficult to manage. The reason this can turn into an irksome and painstaking thing is because you'll most likely have to get an itemized list going of all the things that you have in your home that you want protected. This is especially true if you have collectibles or things that aren't easily replaced with a lump sum. In that regard, you will need to have pictures, evidence of ownership, and more. This can turn into an arduous task, but it will be beneficial in the long run.
When you are shopping around for a policy, make sure that you understand the finer points of what is being agreed upon. Renters insurance can be as simple as an umbrella policy that covers a number of things, or a small basic option that will give you a little bit of assistance if anything goes awry. The price varies depending on what type of coverage you are looking for. You'll find that the overall cost is favorable as it most definitely gives you peace of mind that is hard to come by otherwise.
Weather you live in an apartment, condo, or home, you're not going to want to miss out on the opportunity to protect yourself when things go sour. Most landlords require renters insurance. But even if they don't, renters insurance coverage is one of the best options you have to protect your property, your family, and yourself from serious perils including liability. Buying your policy before disaster strikes can really be one of the best decisions you've ever made. Get in touch with a licensed insurance agent today and have them walk you through the options.

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Friday, October 4, 2013

Why Flood Insurance Is Separate From Homeowner's Insurance

Most homeowners insurance policy's do not include coverage for flood insurance. As a result homeowners generally need to get a second policy if they wish to insure for the risk of flood from rising water. This brings up the question of why insurance company's do not include flood coverage?
The primary reason is that a major storm can produce billions of dollars in flooding damage. The risk is so great that most insurance carriers are not willing to offer that coverage. A good example is that when hurricane IKE hit in 2008 the National Flood Insurance Program (NFIP) paid more than 44,000 flood claims totaling over 2 billion dollars in Texas alone. A more recent example is hurricane Sandy in 2012 where flood policy losses are estimated to be more than 12 billion dollars.
Another reason hazard insurance policy's do not usually offer flooding coverage is that insurance carriers are reluctant to compete for business with the federal government's NFIP program. Especially since the government program has been in effect selling the NFIP pollicy's at such a low cost that the program has racked up billions in losses.
The National Flood Insurance Program was created by the federal government in 1968. Public demand for a government flood insurance program started in the early 1960s. Widespread flooding along the Mississippi River resulted in most private insurance company's exiting the market for flooding insurance. The vast majority of flood policy's are now issued with the NFIP.
In my state of Texas there are actually some homeowners policy that do include flood coverage. However this is mostly for mobile homes, and carriers typically only offer flooding coverage in areas at low risk on floods.
Historically the NFIP has offered flood policy's at a cost below the true cost of providing the coverage. Taxpayers have been subsidizing the low rates offered by the NFIP. However the large losses from the NFIP are resulting in pressure to make the program more self supporting. In 2012 the Biggert-Watters reform act was passed. This made some changes that resulted in higher costs for many NFIP policy's. There is a very good chance that NFIP rates will continue to rise as the government tries to reduce losses from the program. As the cost of government flood policy's rise, it then becomes more likely that private insurers may begin offering some flood coverage with their hazard policy's in the future.

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Tuesday, October 1, 2013

Water Damage

Water is responsible for millions of dollars in damage to homes every year. Candysse Miller of the Insurance Information Network of California says if homeowners took just 10 minutes a years to inspect their homes for water damage and corrosion, they could save themselves time, aggravation and money. The Insurance Information Institute says look for old and worn out water hoses on your washing machine and dishwasher, Check your water pressure, be sure to ventilate your bathrooms. Plumber, Eric Brockmire, says know where the main water-shut off valve is located in your home. Nanette McElman of the Institute for Business and Home Safety homeowners should inspect their homes for leaks.