Claims & Recovery

What Exactly Is Inflation Guard? Inflation guard is an optional feature you can add to your homeowners insurance policy. Simply […]

Understanding Home-Based Business Insurance Needs Homeowners policies typically don’t cover business-related activities happening at your residence. For instance, if you’re

Understanding Base Sublimits and Why They Matter Let’s be honest—many of us have something special in our homes beyond just

What Is Replacement Cost? Replacement cost covers the full amount it takes to rebuild your home at today’s prices. This

What Exactly Is Defensible Space? Defensible space is a safety buffer you create around your home to protect it from

Yes, ordinance-or-law (OoL) coverage can help rebuild an older home to comply with current codes. This insurance provision covers the

Understanding Coverage A and Rising Costs Let’s be frank: building materials have been crazy expensive lately—especially here in Southern California.

Roof settlement can significantly reduce your home insurance payout if you’re covered under an actual cash value (ACV) schedule. ACV

### What Does An Umbrella Policy Provide That Standard Liability Doesn’t? When your standard home liability limit runs out—and believe

The FAIR Plan Explained Yes—more homeowners in California are indeed shifting onto the FAIR Plan. So what’s behind this trend?