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3 months ago · by · 0 comments

Will my home insurance go up if I make a claim?

Filing a home insurance claim may affect your insurance premium. However, your premiums may go higher depends on the type of claim you make, such as your claim history and your property assessments. There are possible chances that your premium rates may rise after a claim and, in any instance, that you made a liability claim previously. Homeowners’ insurance does not entirely depend on your history claims; they also depend on your property’s location and the risk of disaster.

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3 months ago · by · 0 comments

How do homeowners insurance vs. renters insurance differ?

Homeowners insurance and renter’s insurance both provide coverage against the risk of financial ruin of the policyholder against liability costs, property damage, medical payments to others, including the additional living expenses. Most individuals, not to mention first seekers, are having a hard time understanding the difference between home and renters’ insurance coverage, since, they are most likely the same. However, there is also a difference between these two forms of insurance. As a matter of fact, homeowners’ insurance coverage is for an individual who owns their home or apartment; on the other hand, renters’ insurance is usually available for tenants.

Homeowners’ insurance covers the structure and personal property of the policyholder, while renters’ insurance only covers the personal property. Renters’ insurance policy does not cover damages to the building.

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3 months ago · by · 0 comments

Does Incidental Damages Is Covered Under Homeowners Insurance?

Incidental damages are a kind of damages that are associated with legal damages or related to actual damages. If the incidental damages that you are referring to are concurrent causes of loss, then the answer is yes. Homeowners’ insurance could pay incidental damage claims, as long as the caused of the damages are due to proximate cause — or a covered peril. 

Under the concurrent causation, any loss are applicable for coverage. With this doctrine, it says that if a loss is due by two perils, should one of it is excluded peril and the other is covered — then the loss could be covered. 

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11 months ago · by · 0 comments

The Risks of “Airbnb” and Home Sharing

Want to share your home? Hear us first. Just a few years ago, taking a trip involved contacting travel agencies, booking hotel rooms and making plans far in advance. Today, however, smartphones and the internet have helped create new sharing services that allow homeowners to connect with travelers and rent out their homes, spare bedrooms or other accommodations for a fee.

Airbnb, the most popular of these sharing services, offers a convenient platform that can provide homeowners with an extra source of income. However, renting through Airbnb can also expose you to substantial risks and leave you with costly property damage and liability claims.

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11 months ago · by · 0 comments

Renters Insurance

Why Do I Need Renters Insurance?

Just because your landlord has coverage doesn’t mean that you do too. In most cases, your landlord’s insurance policy covers only structural damage to the building itself. Renters insurance protects your possessions in case of a covered loss from fire, smoke, lightning, vandalism and theft. It also extends beyond on premise theft and hazards, covering property that is stolen from your car or is lost or damaged anywhere you happen to be.

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11 months ago · by · 0 comments

Homeowners Insurance Policy Questions & Answers

The best time to learn about what’s included in a basic homeowners insurance policy is before you have a claim. We’ve gathered the answers to the most common “Am I covered if…” questions about your homeowners insurance policy to help you to minimize any coverage surprises.

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11 months ago · by · 0 comments

Why Do I Need Flood Insurance?

When floodwater from a severe, a week-long storm started pouring through the walls of Becky Bentley’s house, she knew she had to get out fast. In a short time, it took her and her son to run upstairs to grab the family cat, the rapidly rising water trapped them on the second floor of their home.

flood insurance

Why is flood insurance needed

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Company informations

2072 Orchard Dr. Suite A-2
Newport Beach, CA 92660

earthquakeinsurancelosangeles.com is a digital insurance comparison engine, providing rates and insurance services in all 50 states through its relationships with carriers and agency partners.

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contact@earthquakeinsurancelosangeles.com

(844) 234-5600

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