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What Does High Value Mean in California?
Let’s face it, California is not a cheap place to live. Just about anywhere you look home prices are way above national averages. Rising home values are creating a new concern for many California home owners. Because an increasing number them are finding their homes classified as HIGH VALUE. But does that mean your home requires HIGH VALUE INSURANCE?
High Value Insurance is related to dwelling replacement cost not the purchase price or square footage. So, the calculation method for replacement costs illustrated on the “Home Insurance” page of this website is not usually used for high value luxury homes. If your home has a dwelling replacement cost of at least $1,250,000, you probably need High Value Insurance.
How do I know if I need a BOP?
Business Owners Insurance or Business Owners Policies (BOP’S) are a MUST for business owners whom meet some basic criteria.
- You run your business from a physical location, store, converted garage, home or an office space whether it’s owned or rented.
- Your business has a need for liability coverage if someone were hurt or injured at your work place leaving you exposed to a lawsuit.
- Your business has assets to protect if destroyed, damaged or stolen. These assets could range from furnishings to equipment, inventory to cash and should most likely include the possible loss or misuse of client/customer data.
Business Owners Insurance Policies Have Options
Have You Ever Really Thought About Why
You Might Need Life Insurance?
I don’t know if there has ever been a more misunderstood product or concern. So many people think that life insurance is for when they die. When your age or health finally deteriorates to a point of no return. Most people don’t want to even think about life insurance coverage during their prime years, but that is when the real concerns start. When a life insurance agent designs your policy correctly, it involves a layered approach. A significant reduction in the expense and increase in the coverage can often be achieved during the time when it could be needed most. You have to be careful to avoid the Worst Life Insurance Mistakes We All Make.
Don’t buy auto insurance until you read this!
Your Greatest Financial Exposure is Your Car
Auto insurance is such a basic necessity in California that many think all policies are alike. Even worse, they assume their insurance agents structure their policies to correctly cover their individual needs. Unfortunately, this just isn’t true. I routinely see middle to upper income families with the same low coverages as college kids with no assets! This can create an auto insurance exposure that can wipe you out financially and is one of the Worst Auto Insurance Mistakes We All Make.
Please be an educated buyer. Otherwise, you could end up with insufficient Insurance coverage to rebuild your California home!
California Home Rebuild Cost
California is a complicated place to buy homeowners insurance. Every home, every zip code, every insured individual needs to be systematically assessed, by an experienced insurance agent, before placing a home policy in force. Because that's the only way to make sure there is sufficient coverage for home replacement. Since the number one mistake in buying homeowners insurance is not understanding what insured to full replacement value actually means, let's look at what California Home Rebuild costs means.
