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Real-Estate Matters: Homeowners insurance comes with caveats
Posted: April 3, 2019
Q: I read your recent column (Jan. 27) about insurance coverage. In the past, I had three house fires that I had to deal with. None of these fires were my fault. Every time, I had problems with my insurance companies. In the column you mention that you had friends who had a $1 million homeowners replacement policy, and how the insurance company paid $2...
Forgiveness isn’t free—and it raises your insurance costs
Posted: November 26, 2018
Think twice before paying for accident forgiveness If you pay extra for accident forgiveness with your car insurance, you might think your premium won’t go up if you cause a crash. But don’t bet on it — it’s not quite that simple. With accident forgiveness, insurers say they won’t raise your rate solely due to an at-fault accident claim. Some offer it as a free loyalty...
Wildfires in California have destroyed thousands of homes, and the devastating pattern is making fire insurance more expensive and complicated than ever
Posted: November 13, 2018
More than 7,000 structures have been destroyed as three wildfires continue to burn their way through California, according to the Los Angeles Times. Thanks to heightened wildfire activity across the state, it's becoming harder than ever for California homeowners to obtain and keep fire insurance, reported the Associated Press. "As California wildfires grow larger and more intense, an increasing number of insurance companies are not...
Majority of small businesses lack cyber security plans, could leave consumer information vulnerable
Posted: November 7, 2018
A new survey released by a small business watchdog website shows nearly 80 percent of small businesses don't have a cyber security attack plan in place. "They're worrying about sales, marketing, operations. The cyber security side and making sure customer data and internal systems are protected is generally an afterthought," cyber security consultant David Schohl said. It's not just retailers. Schohl said any business that...
The Best Ways to Insure Expensive Jewelry and Valuable Items
Posted: October 25, 2018
It often seems there's an insurance policy to cover just about everything you own. You can cover your home, the contents of a rental home, your car, your business, your health, and even your life. But when it comes to insuring expensive jewelry and valuable items, things get a little bit complicated. Now: Part of that complication is due to the way jewelry and valuable...