The California wild fire destruction over the past few days has been immense.  The loss of life and property caused by these fires has been heart breaking.  Our thoughts and prayers go out to all who have been impacted by these fires and all of the men and women that continue to battle the fires.

As I think about our own home and business, I do feel a sense of relief that the likelihood of a wild fire in our neighborhood is extremely remote.  With that being said, I do consider the other types of total fires losses we have seen reported to our agency in the past few  years.

At  our agency  we have had. a boiler explosion, a malfunctioned air conditioning unit, a painter leaving combustible materials, a laptop overheating, a lightning strike, a chimney fire and an electrical fire.

All of these types of fires  left our home insurance clients with massive amounts of damage to their properties.

Would the limit of insurance that you have selected on your home be sufficient if this happened to your home?

Since your home is probably one of your largest investments, we would like to suggest that all home owners review a few parts of their home insurance policy.

1. Review your limit of insurance You should be able to REBUILD your home with today’s constructions pricing.  Nationwide it is estimated that 40% of all homes are under insured.  Please check the amount of coverage you have selected.
2. Review your Ordinance of Law coverage Because we live in an area of older homes, this coverage is extremely important to include on your policy.  This would provide you with additional costs to rebuild that are associated with required updates to building codes or ordinances.
3. Check your home smoke and fire alarm equipment Make certain that they are working.  If you do have a home alarm, remember to submit this to your insurance agent for additional savings on your policy.

Give us a call or send us an email if you would like to review your limit of insurance.   This will only take about five minutes of your time and provide you with the security of knowing your property is insured to its correct value.