FAQs

Underwriting questions establish the risk being priced, and in California the permitted questions are narrower than in most states. Proposition 103 fixes the order for personal auto. Driving safety ...

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, and the filings are the part to plan around. A mid-term cancellation is normally allowed, and any unearned premium is returned. Whether it comes back pro rata or ...

Yes, and not only yours. Underwriters pull motor vehicle records on every listed driver, so the schedule you submit is the schedule you are rated on. For an owner-operator ...