FAQs

When you apply for an insurance policy, you’ll be asked a number of questions. Among other things, the agent might ask you your name, age, gender, and address. You’ll ...

By using an agent to purchase insurance, the policy holder receives more personal service. An agent with whom there is direct contact can be vital when purchasing a product ...

In practice, yes. An association's governing documents, the CC&Rs, nearly always require property and general liability coverage for the common areas, and lenders financing individual units require evidence of ...

These terms describe how much of the physical structure the HOA's master property policy covers, and they directly affect what individual homeowners need in their own HO-6 policies: Bare ...

Two forces drive it, and both are about supply rather than anything specific to one association. Fewer carriers are competing for California association business than a few years ago, ...

A lapse in the master policy creates problems on several fronts at once. Lenders: mortgages on units typically require the association to maintain coverage, and a lender can force-place ...

Yes, D&O is one of the coverages most associations carry, and the reason is structural. Board members are volunteers making binding decisions for all owners, and claims can be ...

Underinsurance is the most common gap we find when we review association policies, and it usually stays invisible until there is a large claim. The mechanism is straightforward. The ...

Yes, a cancellation can be done at anytime before the renewal period. What happens if I paid in advance? If you paid your premium in advance and cancel before the end ...

Your commercial trucking insurance rate is impacted by your personal driving record if you are an owner-operator with a CDL. A professional driver's license means that any accidents or ...