Insurance

California does not require a homeowner to carry insurance on their house or personal property. Lenders who offer mortgages, however, do require it. In most cases, homeowners in California will do whatever they can to protect their homes and belongings. This includes purchasing flood insurance in addition to your homeowners policy. If you don’t purchase a homeowners policy and the

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Homeowners insurance doesn’t typically cover earthquakes. So as a California homeowner, you should carry earthquake insurance if your property is to be fully protected. On average, in California, earthquake insurance costs $3.54 for every $1,000 of insurance coverage. This means to insure your single-family home at a $600,000 replacement cost, you’ll need to pay $2,124 in annual premium. In general,

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From an insurance perspective, condominium ownership differs from other types of home ownership in a few key ways. So, if you just bought a new condo, you may have a few condo insurance FAQs about how the coverage works. Read on to find the answers that can help you decide the best way to protect yourself. What to Know About

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Pet insurance is becoming more popular for fur baby parents who want to protect their animals just like they protect the rest of the family. With the cost of owning a pet rising along with everything else, it stands to reason that insuring your animals is a wise investment. Pet insurance offers many different types of coverage that will cover

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Living through an earthquake can be a scary experience. Once you check your family and pets to ensure everyone is in good shape, your next thoughts go to your property. It can be difficult to see the damage, so you may not even realize all of the things that could be wrong. As soon as the dust settles, you need

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Classic cars are unique and valuable assets, and they are popular attractions, as evidenced by the thousands of car shows and exhibitions that occur every year. Because of their value, classic cars are popular targets for thieves. In order to protect your classic car, here are some key safety upgrades for classic cars. Perhaps you are a fan of classic

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A homeowner trying to escape a high-risk flood zone can make their property more attractive by offering a flood insurance policy transfer to the buyer. Here are the advantages and disadvantages of offering a flood insurance transfer to the next homeowner when moving to a new location. Is Flood Insurance Transferable? Living in a flood zone determined by the federal

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Condo owners, especially those in California, have often been at a loss when it comes to finding and purchasing earthquake insurance for their homes. For many years, purchasing earthquake insurance coverage was impossible for condo owners. You had to rely on your HOA or other management organization that had control over the property where your condo was located. Now with

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Insurance companies take on a lot of financial risks to secure your policies. In return for them taking such a large risk, they rely on their clients to be as honest as possible when filling out applications and providing valuable information they will need to secure your policies. Whether intentional or unintentional, being dishonest can dramatically increase the risk a

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