The California Earthquake Authority estimates that only 10% of homes in the state have earthquake insurance protection. While the costs of the primary insurance policy may not be too pricey ($798 statewide average), the high policy deductibles may cause homeowners to pause. Earthquake policy deductibles vary from 5% to 25%,
From severe weather to illness to political unrest, it’s worth considering how to protect your travel investment in case that dream vacation gets cancelled or interrupted. To manage these unforeseen events, most strategies include add-on purchases in the form of a cancellation waiver or travel insurance. The two products seem
As we quickly approach the holidays, many people start thinking about resolutions for the New Year. If making sure your assets are protected makes your list, it’s time to consider buying excess personal liability insurance. Excess personal liability, also called umbrella insurance, adds a layer of protection above your existing
California is a state with more than 2,000 fault lines and there are nearly as many modeled scenarios for “The Big One.” One worst-case earthquake model envisions a 8.5 magnitude temblor that would stretch the full 800-mile length of the San Andreas Fault. The EQECAT model, crafted by risk analysis
All forecasts are pointing to a strong El Niño winter, which means a high chance of significant rainfall for California. In 2011, the last rainy winter, more than 8,615 people were killed or injured in California in crashes involving rain, snow and fog, according to the California Highway Patrol. “You do not
Humans and dogs have been best friends for thousands of years, but the breed of dog you own could add complications to when you go to buy homeowners insurance. Some insurance companies hesitate to offer coverage to people who own dog breeds and mixes that are believed to be more
Residents in South Carolina will face a few more uncertain days waiting for floodwaters from stressed dams and swollen rivers to recede. A combination of tropical moisture from Hurricane Joaquin and a slow-moving low pressure system produced one to two feet of historic rainfall across the Carolinas over the weekend.
The possibility of losing an extensive designer wardrobe that spans the likes of Valentino, Dior and Chanel, may not be covered by your homeowners insurance. Unlike art, jewelry and watches, insurance companies have traditionally considered apparel to be among household “contents,” which are subject to deductibles and a host of
The Napa Valley is still recovering more than a year after a 6.0-magnitude earthquake struck. The temblor on Aug. 24, 2014 caused around $360 million in property damage. One year later, 62 properties remain red-tagged in Napa, meaning they are too dangerous to access. Another 900-plus properties have yellow tags,
It could be one of the most costly stumbles of all-time. A Taiwanese schoolboy was on a visit at a Leonardo da Vinci-themed art exhibit when he tripped, put his hand out to steady himself and punched a hole through a $1.5 million piece of art. The incident was captured
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