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
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
The Federal Emergency Management Agency (FEMA) wants Californians to buy flood insurance ahead of the predicted torrential rains from the strongest El Niño conditions in nearly 20 years. “We encourage everyone to take the threat seriously,” FEMA’s deputy associate administrator for insurance and mitigation Roy Wright said during a news
A new study from NASA’s Jet Propulsion Laboratory all but guarantees a sizable temblor will shake up Southern California in the near future. The study, published earlier this month by Earth and Space Science journal, claims there is a 99.9 percent chance of a magnitude 5.0 earthquake or greater in
More residents may see their fire coverage dropped by insurance carriers, while others living in high risk areas will see costs rise, California Insurance Commissioner Dave Jones said this week. Four years of severe drought have increased fire activity in the state. So far in 2015, a total of 813,163
The September El Niño forecast continues to point to the possibility of a monster climate event, according to the National Weather Service’s Climate Prediction Center. Climate scientists say there is a 95% chance that El Niño will continue through the winter months, which is essential to bring increased rainfall to
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
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