From the category archives: Blog

Homeowners

6/19/2018 8:30 AM | 0 Comments

One of the questions many newcomers ask is: Are smart homes safer? Set up and used properly, they certainly can be. For example, smart doorbells with camera technology enable you to answer a "ring" at the front door wherever you are, so the caller doesn’t know whether you're at home or not.

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8/15/2017 8:48 AM | 0 Comments

Aldrich Taylor Insurance wants to make sure you and your family are prepared for a home fire. To help make sure you and your family stay safe at home, here are some important fire protection and prevention tips that provide some important ways to protect your home from fire. Call us today to make sure your home is fully protected 1-818-841-2940.

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11/19/2015 8:45 AM | 0 Comments

El Nino is upon us and it is time to consider  flood insurance. This practical insurance can be purchased anytime, but the policy does not take effect for 30 days. While Earthquakes are the most common natural disaster here in California, flooding is the most common natural disaster throughout the country.  With the predicted heavy rain weather on it's way It is very important to keep in mind that flooding is not commonly covered in your typical homeowner's insurance policy, making it necessary to purchase additional coverage for this costly, devastating disaster. If you are in a high-risk flood zone (uncommon for a lot of our area), a federally regulated lender will require a  borrower to buy flood insurance in order to qualify for a mortgage loan. To satisfy the lender, flood insurance must be purchased in an amount that sufficiently covers the loan.  If you are NOT in a flood zone, don't assume you are safe!  Floods have been known to happen anywhere at anytime. The definition s ... [...]
10/19/2015 10:00 AM | 0 Comments

In our area of the country, the risk of an earthquake is never far from our minds. In areas along the San Andreas Fault line in California, the earth has a way of nudging people awake anytime we feel complacent. We have been relatively lucky, as truly devastating earthquakes on the level that we have seen in recent years in China, Mexico, Japan and Haiti, involving thousands and even hundreds of thousands of deaths -have been rare. That's due to a combination of California's strenuously enforced building codes - and pure dumb luck. Yes, we have had several quakes of 9+ magnitude strike low-populated areas of Alaska over the years. But as of this writing, we have not had a major metropolitan area host the epicenter of a 7.8 magnitude-plus earthquake in living memory. But that could change anytime. The Federal Department of Emergency Management has developed a threat matrix to help gauge your exposure to earthquake threats. In addition, FEMA has also published maps to help you determine your proximity to f ... [...]
10/5/2015 10:00 AM | 0 Comments

Crooked contractors wanting to steal from homeowners is a common problem. They often will offer bogus repairs that are not even necessary. In some cases, no work is even done. These dishonest contractors love times after heavy rain or wind. After such disasters pass, they are happy to swoop in on unsuspecting homeowners who are desperate for quick repairs.  While the majority of contractors out there are honest, it is usually the ones who go from door to door offering help who are untrustworthy. Good contractors have no need to solicit themselves in this manner. People who go knocking on doors usually say they walked by and happened to notice something wrong.  If there was a recent storm, they may simply show up and offer to fix something that is clearly damaged. Homeowners could lose thousands of dollars falling for these scams. In addition to this, the ensuing headaches from trying to pay even more for real repairs or trying to recover money from a con artist complicate the situation. If a p ... [...]
9/21/2015 10:00 AM | 0 Comments

When you buy a home and take out a mortgage, part of the agreement is that you will purchase adequate homeowners insurance coverage. Adequate coverage usually means that you are insured for the replacement of your home to 100% of replacement value  or that your home has enough coverage to address the amount of the loan. The latter just means that the mortgage company wants enough coverage to pay the outstanding loan balance but most homeowners policies do not cover the loan amount, just the rebuilding of a home. In a nutshell, the mortgage company wants to make sure that they are protected if your home suffers an insurable loss such as fire or water damage. If you are in a flood zone, they will require you to get separate flood insurance, as regular homeowners policies exclude damage caused by flood and ground water. Your mortgage company will, at a number of times, prompt you to provide proof of home insurance. This typically happens when: Your first purchase your home; this will be done through ... [...]