Earthquake Insurance – Do you need it?

Many people assume their residential insurance policy fully protects them, but if you look at a typical policy, you will see it does not cover earthquake loss. And government disaster-relief programs are extremely limited—they are designed to help you get partly back on your feet, but not to replace your home and everything you lose. So if an earthquake strikes tomorrow, will you have the financial resources to pay for earthquake damage to your home and its contents? For more information, call us, or visit us at hfiservices.com. This article is courtesy the California Earthquake Authority.

Are you prepared for college?

Getting ready to send your kid off to college? We all know the usual checklist… socks, underwear, new shoes and a haircut. But what about insurance? Coverage can vary widely from state to state. You need a local agent in Chico California to help.

Does your family scholar have a laptop? Is it covered? What about a stereo and headphones, or an IPod? You should consider the following:

• The number one crime on college campuses is theft.
• Your young adult may own more stuff than you realize.
• You may not have a list of what to report to the insurance company if there is a loss.
• Many items are not covered automatically under your homeowner’s policy, or there may be limits in coverage. Items such as jewelry, laptops, and some other electronics may not automatically be covered in full.

Claims are handled more quickly when there is an inventory of your young person’s personal property, and especially when there is photo documentation.