January 23, 2019

Every home has three values that you should be concerned about.

Assessed value is the value that the city/county can collect taxes on. This value is often 1-2 years behind the current market.

Market value is what your house might sell for to a new buyer- a better value c...

December 28, 2018

It might seem counterintuitive to not use the insurance that you have been paying for.  In fact, at first glance you night think I am crazy to say not to submit a claim!  However, it sometimes is best not to submit the claim.  Let me explain with an example of a client...

September 17, 2018

I talk about the fact that I can be the “one broker you need for all your insurance needs”.  I feel it is critical that I know my clients and any potential risks they may face.  By understanding everything they are doing, I can help them make an informed decision o wha...

August 27, 2018

With the sudden change in our weather it reminds me that sometimes things change suddenly in our lives.  Sometimes we don’t think about changes in regards to our insurance for months. 

What changes have you made this summer? 

  • Bought a new car? 

  • Added a driv...

July 30, 2018

Coverage A in your home policy spells out how much money you would have to rebuild your home if it were a loss.  It is shocking to realize that an estimated 75% to 97% of the people who lost their home in the California wildfires last year, did not have enough insuranc...

June 7, 2018

In today’s economy, everyone is pinching pennies.  So why worry about umbrella coverage?  Shouldn’t a home and auto policy leave you adequately covered?

Unfortunately, we live in a world of lawsuits.  Large damages can be awarded, be extremely expensive and have lo...

August 27, 2017

“An annual insurance review should be part of your important financial planning each year.”

Insurance companies and agents are persistent about getting you to review your home owners insurance each year. While this is likely something you don’t like to do, here are 5 re...

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Three values of a home

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January 23, 2019