FAQs

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

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 ...

Every driver in California must carry liability insurance, and for policies issued or renewed on or after January 1, 2025 the minimum is 30/60/15 (Vehicle Code 16056). Whether to ...

Collision Physical Damage Coverage is defined as losses you incur when your automobile collides with another car or object. For example, if you hit a car in a parking ...

Some of them you control and some you do not, and in California the state sets the rules for which ones an insurer may use. Three factors must carry ...