This New Year Resolve to Review Your Insurance

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While you may have made some good New Year’s resolutions, to make sure that you are not leaving anything to chance you should also revisit your insurance policies. You may have acquired new property, upgraded your home or bought new stuff for your house and, considering the increasing risks of natural catastrophes, you may now have more risk than you’re aware of. By taking a little time, you can ensure you’re adequately protected and that you won’t have any unpleasant surprises if you have to file an insurance claim. We recommend you do the following: Talk to us Call us…
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Multi-Line Discounts May Save You Hundreds of Dollars a Year

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Looking to save money on your insurance premiums every month? You should consider taking advantage of multi-line discounts. Many insurance carriers offer significant discounts for customers who place multiple types of insurance with the same company. In some instances, annual savings may amount to more than $300, according to a new survey by Quadrant Information Services. The insurance information firm recently took a state-by-state look at the savings consumers could realize by bringing multiple personal insurance lines together under the same roof – a practice known as “bundling.” Savings varied by state, as well as the type of insurance policies…
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How to Protect Your Home from Wildfires

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Forest fires consume some 8 million acres in the U.S. each year, according to insurance industry sources, with most major fires occurring in western states. The most recent example of the devastation that such fires can cause is of course the wildfires that swept through the Napa Valley in California in October.  If your home is in an at-risk area, take these steps to increase the chances of it surviving a wildfire with minimal damage. Prepare ‘defensible space’ “Defensible space” is essentially the last-ditch firebreak immediately around your home. Many fire prevention concepts are organized around the concept of maximizing…
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Toilet Failure Is a Leading Cause of Residential and Commercial Water Damage

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Leaky plumbing fixtures and burst pipes are common reasons behind insurance claims for home and commercial water damage every year, but toilet problems stand out as one of the leading causes of serious water damage. That said, many toilet-related plumbing issues are preventable with regular maintenance and a watchful eye, which can take care of small problems before they turn into major ones. If a toilet is causing problems, call a professional immediately. The worst damages arise because a person does not call an expert, and water damage that may not be visible on the surface continues to spread and…
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Earthquake Risk Requires Smart Planning and Insurance

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Life in most of parts of California comes with the inherent risk that an earthquake can strike suddenly and without warning. You probably didn’t know that the state has more than 10,000 seismic events every year, but fortunately most of them are too small for people to even notice. Although the entire Northwest of the United States is at high risk of earthquakes, nine of the most costly quakes in the last century occurred in California. According to the U.S. Geological Survey, there is a 70% probability that an earthquake of magnitude 6.7 or larger will strike the San Francisco Bay…
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