Here comes fall, which along with winter and spring makes up the best time in the Desert! With that in mind, I’m devoting this post to second homes. If you can swing it and enjoy the same resort location year after year, second homes are great! Continue reading “Insuring Your Second Home”
Regarding insurance, you may recall my advice to “sweat the big stuff”. In April, I pointed out that no personal insurable risk is bigger stuff than liability…the risk of getting sued. I asked my friends at Chubb Insurance to share some cases that you might find of interest. Click on the Summary below to see some real-life examples that could happen to anyone. Continue reading “Why Adequate Liability Insurance Limits Matter”
Here’s a frequently asked insurance question that I get quite often: Why is my house insured for a different amount than what I paid for it and its bank-appraised value? Continue reading “Why is My House Insured for a Different Amount Than What I Paid for It?”
Here’s a question that I get quite often: I keep seeing ads that say I can save on insurance by switching…should I be shopping for cheaper insurance? Continue reading “Should I Switch to Cheaper Insurance?”
Every business needs insurance. Proof of general liability insurance is required by your landlord before you sign your lease. Workers’ compensation insurance is required by the state before your employees can come to work. Other forms of insurance protect your business and your personal assets from business-related risk. The use of an independent, experienced insurance broker like Desert Insurance Solutions is highly recommended. Continue reading “Every Business Needs Insurance”
The other day someone asked me, “based on all your experience with insurance and risk, what is the one single most important thing people can do to be safer?” Continue reading “The Risks of Distracted Driving”
Last month I used the phrase “sweat the big stuff” and it doesn’t get bigger than liability risk. In the US in general, and California specifically, you can get sued for just about anything and the legal concept of “fault” frequently defies common sense. And unlike property coverage, a liability loss can exceed the value of your assets. So the risk is important and complicated, but it can be managed. Continue reading “Liability Coverage Checklist”
My last post covered “Sweating The Big Stuff” by insuring against big losses and managing the cost by being smart (high deductibles, package discounts, etc.). For our California clients, the big stuff includes earthquake risk. Continue reading “Earthquake Risk and Insurance”
This month I’d like to finish up my message on the three most important things about insurance: find a good agent, contracts are different and, today, sweat the big stuff. Continue reading “The 3rd Most Important Thing About Insurance: Sweat the Big Stuff”
As I mentioned last month, there are three important things to note about your insurance. The first, as we’ve discussed, is a good agent — preferably an independent one. The second important consideration, and one I’ld like to address here is your insurance contract – because contracts are all different. Continue reading “The 2nd Most Important Things About Insurance: Contracts Are All Different”