FAQs

Yes. We coordinate personal, specialty, and life coverage so it works as one program.

No. California does not allow credit to be used in pricing personal auto.

No. Both are excluded from standard California home policies and arranged separately. We help you add them where the exposure warrants.

There are a few things that help. The most useful is a comprehensive review of your policy and needs with your agent, because quotes for the same coverage on ...

The typical homeowners policy has two main sections: Section I covers the property of the insured, and Section II provides personal liability coverage for the insured. Almost anyone who ...

Covered losses under a homeowners policy can be paid on either an actual cash value basis or on a replacement cost basis. When “actual cash value” is used, the ...

Here’s a checklist of things you should consider when you purchase homeowners insurance: Determine the amount and type of insurance that you need. The coverage limit of your house ...

Note: what follows describes the Insurance Services Office HO-3 form. Most carriers write their own version of a homeowners policy, so treat this as how the pieces relate rather ...

Most homeowners policies cover personal property while it is away from home, often with a lower limit for property usually kept at another residence. The perils and limits that ...

Homeowners policies exclude earth movement, which is broader than earthquake and takes in landslide and sinkhole as well. Earthquake coverage is bought separately, usually as a California Earthquake Authority ...