Protect Your Home From Earthquake Damage

Did you know houses built before 1980 are more vulnerable to earthquake damage, because they were built before modern seismic building codes were in place? If you own an older home, visit the California Residential Mitigation Program (CRMP) website to learn how to strengthen it to make it more resilient ...

The Importance of Insurance for New Homeowners

Insurance is one of the many expenses that new homeowners have to take on, and many don't realize how important it is. Although you may think it's no different from car insurance, home insurance can protect you from losing hundreds of thousands of dollars from your home being lost ...

4 Easy Steps to Buying Earthquake Insurance in CA

Step 1: Know Your Risk. Learn the facts about California earthquakes, your risk, and how to get prepared. Step 2: Get a Free Cost Estimate. The cost of your policy depends on many factors: the earthquake risk where you live, the age of your home, construction type, ...

Sharing the Road with Buses: When to Stop, Warning Lights, Passing a School Bus

The precise definition of a bus varies a little from state to state, though it is safe to assume that any vehicle used for passenger transportation that is designed to carry more than ten people qualifies. We will discuss the challenges you face when sharing the road with ordinary passenger ...

Flood Insurance Myths: What You Need To Know

Statistics show that floods are the most common and costliest natural disasters in the United States. Flooding and flood-related events accounted for about 20% of the billion-dollar natural disasters in the United States from 2010 to 2021.  Some researchers predict that by 2050, the cost of damage from flooding will increase by 25%. That ...

A proactive solution to one of the most common claims!?

One of the top claims filed by homeowners each year relates to losses caused by non-weather-related water loss, with 44% of homeowners experiencing water damage in their home over the past one to two years, according to Chubb's "2021 Homeowners Risk Report." Fortunately, it has become easier to prevent such ...

Spotlight on: Dog bite liability

About 69 million U.S. households own dogs, according to the American Pet Products Association’s 2021-2022 Pet Owners Survey. The American Veterinary Medical Association states there are nearly 85 million dogs living in U.S. households. About 4.5 million people are bitten by dogs each year, most of them ...

Do I need car insurance if I don't drive my car?

What happens to your car insurance when your vehicle is temporarily parked? Maybe you have a sporty convertible you only take out in summer, or maybe your pride and joy is gathering mothballs while you’re overseas for work. No matter the reason, there are ways to minimize insurance costs ...

Leave the Fireworks up to the Professionals

Nothing kicks off the summer season like the 4th of July holiday. It is an enjoyable time that includes all the things we love, such as warmer weather, great food and grand pyrotechnic displays. The Santa Rosa Fire Department would like to remind residents that the possession, storage, sale, and ...

How Expensive Is It to Insure a Custom Built Home?

Building a custom home is one of the best ways to ensure you get whatever you want out of a property. Although you’re probably trying to save money since it can be expensive to build custom:  it’s vital that you remember to consider insurance as well. From ...

10 Reasons You Should Hire A Realtor to Sell Your Home

If you’re thinking of selling your home, your mind may be swirling with questions about the process. While it may be tempting to try selling your home on your own, there are many reasons why you may want to consider working with a professional real estate agent. To ...

Top 3 Commonly Denied Claims

It’s not often that we have to tell someone that their claim has been denied, but there are some reoccurring situations that result in denied claims.  Educate yourself about these commonly denied claims to prevent an unpleasant surprise! Leaky roofs: Homeowners policies generally exclude maintenance and wear and ...