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Earthquake Preparedness

Everyone is used to the idea of having an earthquake in California… but all 50 states and 5 U.S. territories are at some risk for earthquakes. Even if you don’t live near a fault line, less severe earthquakes can interrupt living patterns and are still able to cause injuries to you and your loved ones. Earthquakes can happen at any …

Aerial view of homes in a tightly packed suburb.

Know Your Insurance: Reviewing Your Homeowners Insurance Policy Limits

Courtesy of LA Member Choice Insurance Services, LLC With ever-fluctuating home values, are you confident your homeowners insurance policy limits are enough to cover the cost of rebuilding your home, should the unexpected happen? We also need to know if you made a major lifestyle change—for example, if you’ve gotten married or taken in an elderly parent who owns expensive heirlooms. …

A small paper home, a binder labeled Home Insurance, and an Insurance Information Form on a clipboard sit on top of paper blueprints for a home.

Deductibles Decoded: What Works Best for You?

Unexpected financial losses can strike at any time of the year, but it could be particularly devastating during the holiday season. Homeowners and automobile insurance may help you handle the stress of certain covered losses. However, you should understand and be comfortable with the financial risk a deductible represents. A deductible is the amount a policyholder must pay out of …

A woman handing a key to a family while standing in an empty white room.

Protect Your Property: Coverage for Landlords and Renters

In the last decade, the U.S. homeownership rate has declined from a peak of just over 69% in 2004 to 63.4% in the second quarter of 2015.1 On the flip side, there was a stark rise in renter household growth from 2010 through 2014, reaching approximately 900,000 new rental households annually.2 New renters just striking out on their own may …

A red holiday ornament with a set of diamond wedding rings resting on top.

Personal Property Coverage Is Vital for Your Valuables

Another holiday season has come and gone, but the expensive gifts you may have received remain to be enjoyed in the new year. The National Retail Federation estimated that holiday sales during November and December 2015 would reach a total of $630.5 billion, up 3.7% from 2014.1 Approximately $34.2 billion was expected to be spent on electronic gadgets alone.2 Whether …

A young girl sitting beneath, and looking up at, a holiday tree with an ornament in her hands.

Season’s Greetings: Celebrate the Holidays Safely

’Tis the season for traveling to see family and friends, preparing your home for party guests, and partaking in the festivities. It’s easy to get caught up in the flurry of the holidays and neglect the potential dangers associated with this time of year. Social host liability laws exist in 43 states and may hold homeowners liable for accidents that …