Schneiderman Insurance Agency, Inc. Blog |
 Campervans are ideal for a staycation; they are blissful and have that open-road feel. However, purchasing campervan insurance is not among the most exciting aspects of van life, but it is essential. You certainly don't want to spend all that time and money converting your van only to find out after an accident that it's not covered.
Your car and homeowner's insurance will cover some of the costs of a towable camper. Insuring your campervan could be confusing; for full coverage on a camper, you need to get insurance designed to cover it.
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 Is it possible for a disaster app on your smartphone to warn you about an earthquake before it happens?The April 5th, 2018 5.3 magnitude Los Angeles quake is proof of that possibility. Those who had signed up for the Quake Alert disaster app reported a warning thirty seconds before the shaking started. Likewise, early warning systems warned Mexico residents sixty seconds before the 8-magnitude earthquake last September. The science may not be perfect yet, but these warnings could prevent some injuries and give first-responders an edge.
 Today we are rattling off about the shaky subject of earthquake insurance. We touched on this a little bit in our Financial Preparedness series, including best earthquake insurance practices, but we are going to go a bit more in-depth on for this update.
One of the most commonly asked questions is, “Do I need earthquake insurance?” The answer is not simple. Just like your house isn’t like everyone else’s, what to expect from an earthquake insurance policy (or even your homeowners insurance policy) is unique to your situation. Hopefully, after reading, you’ll have a better understanding of what to consider when shopping for earthquake insurance.  Rental property is a huge investment that needs regular maintenance, care, and the right insurance to protect it from damage. But how do you protect your property? What kind of insurance do you need?
Renters aren't usually responsible when a big appliance breaks, someone gets hurt on the property (even if it's not the tenant's fault), a forest fire damages or destroys your home, or burglars just take everything. You'd be left holding the bag for these and other bad things that people or nature did.  California faces more than a lack of rain. The Los Angeles Times declared that California is in an earthquake drought, and the end of the drought will bring destructive results.
 The major difference between renting and leasing is the contract's duration. A lease is for a longer time, usually more than a year, while a rental contract is usually for a shorter amount of time, usually just a few months.
You don't need to have your car insurance to rent a car. If you don't have your policy, the rental car company will make you buy liability coverage. You will also be able to add extra coverages, such as collision and damage to the tires.  Knowing what your homeowner's insurance covers and what it doesn't can help you decide if you can rebuild your home by buying new things for it. Homeowners must "check-up" on their insurance policies once a year to ensure they keep up with local construction costs, home improvements, and personal property inventories.
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