Happy 4th of July!

Fire up the grill, crank up the homemade ice cream, and get out some lawn chairs to watch a big fireworks show with the whole family. It’s time to celebrate our Independence Day! What’s your favorite tradition for our national birthday party?

CHIC (Pearl)

After three years stuck inside hiding from the pandemic, I can’t wait to get out and cheer for a big patriotic parade, with floats and classic cars and VIPs you’ve never heard of waving to a bunch of people they’ve never met. We recommend the Rose, White & Blue Parade along the Alameda in San José!

GEEK (Kevin)

By now, if you’ve been reading these emails, you should know where to find me on the 4th: watching a pile of mouth-watering meat as it slowly sizzles and pops on my barbecue. You can keep the parades and the fireworks. They’re fun to watch, but I’d rather be eating! Who’s coming to dinner?

Good Neighbors

How’s that song go? “You don’t know what you got ‘til it’s gone?” Well, the song is about a park, but the same could be said for our sense of connection with the people closest to us. And we’re not talking about the family we get. We’re talking about the family we choose.

This Fourth of July, spend some quality time with your neighbors. You never know when you might need their help!

Running the Carrier Numbers

When it comes to home insurance, it’s one thing to find a policy that fits your home. It’s another to find a policy that fits your budget. Surplus lines carriers can check both boxes. These “non-admitted” carriers don’t come with California Insurance Guarantee Association protections. But they’re a flexible option if your current provider kicks you to the curb. Just run the numbers using a service like A.M. Best to make sure they’re financially sound.

Fighting Fire with Insurance

Insurance companies are shying away from new policies in California and raising rates on existing customers after years of wildfires have devastated their bottom line. How can you keep your current plan or find a new policy that fits your budget?

CHIC (Pearl)

If your insurance company tells you they’re not renewing your policy, don’t panic! You’re entitled to 45 days notice before the policy expires, which gives you time to shop around for a replacement policy or renegotiate with your current provider. If you don’t receive proper notice, don’t hesitate! Call the California Department of Insurance (DOI) at 1-800-927-HELP or go online to insurance.ca.gov and check to see if your policy has a guaranteed renewal provision. And if you think you’re out of options, you’re not. Call the California FAIR Plan at 1-800-339-4099. FAIR warning: This policy can be expensive, and it only covers certain losses, so you may need to buy Differences in Conditions (DIC) insurance too.

GEEK (Kevin)

Who wants to spend all day and night and part of the weekend filling out forms and running themself ragged with research? Okay, some of us love this kind of stuff. But for the rest of us, I recommend getting an insurance agent. The DOI website offers a tool to help you find an agent or broker near you, as well as other resources. Before you decide on an agent, check to see if they work exclusively with one insurance company or have access to multiple carriers so you know you’re getting the best deal. And come prepared with questions for your agent such as: What is covered and what is not? Can I get the full cost to rebuild if disaster strikes? Does it cover demo or debris removal? Is there a coverage limit?

Hello Summer!

It’s hard to believe that the longest day of the year has already come and gone, but the solstice arrived like clockwork on Wednesday. So Bring on the parades and homemade ice cream and (legal) fireworks. It’s Summertime!