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 ...
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 ...
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Founded in 2011, Schneiderman Insurance Agency is local to the San Fernando Valley, and licensed across California, with our agency office located in Granada Hills, CA.
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Zachary Schneiderman CA License: #0H37316
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