Aegis Blog

10 Things Californians Should Know About Homeowners' insurance

10 Things Californians Should Know About Homeowners' insurance

If you own a home in California, there’s a good chance you’re going to need homeowners’ insurance. Recent disasters have proven that the out-of-pocket expenses of rebuilding or repairing a home can be devastating. Homeowners’ insurance is your guarantee that you won’t be left out in the cold if a disaster comes to your doorstep. Whether you’re a first-time buyer looking for coverage for a new home or you’re simply renewing the existing protection on a home you’ve owned and loved for years, there’s a few things you need to ...
California Homeowners Struggle to Find Insurance In Aftermath of Fires

California Homeowners Struggle to Find Insurance In Aftermath of Fires

In the aftermath of the most destructive fires California has ever seen, homeowners are facing a big problem. The California Department of Insurance has received increased complaints, evidence, and feedback from consumers that homeowners’ insurance coverage in high-risk areas is increasingly difficult to obtain and unaffordable for those that need it. 1 in 3 CA Homes in High-Risk Areas There are an estimated 3.6 million Californian homes in the wildland-urban interface (WUI), of which 1 million are in a high or very high risk-of-fire area, according to the report, Availability and ...
What Contractors Need to Know to Rebuild California

What Contractors Need to Know to Rebuild California

It’s difficult to comprehend the incredibly vast scope of rebuilding that needs to be done in California. Northern California lost more than 14,700 homes, with several neighborhoods being entirely wiped out. Sonoma County alone lost around 5,000 homes, with 1,300 of those homes destroyed in the Coffey Park neighborhood alone. In Southern California, the Thomas fire destroyed 1,000 structures in Ventura County; one neighborhood lost more than 400 buildings. Homeowners are, understandably, very eager to overcome this destruction and get their lives (and homes) back. But they face daunting challenges to ...
How to Choose the Right Contractor Insurance so You Can Get Building

How to Choose the Right Contractor Insurance so You Can Get Building

Ready to get to work? Contractors in California have a big job to do. After seeing the most devastating and destructive fires in its history in the fall and winter of 2017, California is now facing a season for rebuilding. There will be months and even years ahead where rebuilding California will be priority number one. California contractors, subcontractors, and artisan tradespeople interested in joining the rebuilding effort will need to prepare for the work ahead. That means having your contractor license, insurance, and bonds in good order and ready to ...
3 Things Contractors Need to Rebuild California

3 Things Contractors Need to Rebuild California

One of the most destructive wildfires in California history roared through wine country in October, killing at least 42 people and displacing thousands more when 8,400 structures succumbed to the flames. A few short months later, a rash of Southern California fires fanned by high winds and dry December conditions destroyed more than 1000 structures, spread over 300,000 acres, and caused massive evacuations. Californians up and down the state are wondering: How can we rebuild after all this? California Governor Jerry Brown and President Trump have declared a state of emergency ...
7 Reasons Your Homeowners Insurance Could Be Cancelled (and what to do about it)

7 Reasons Your Homeowners Insurance Could Be Cancelled (and what to do about it)

Own a home? Then there’s a good chance you have homeowners insurance. Approximately 95% of homeowners are covered; most lenders require homeowners insurance as a way to protect their interest in the property. Even if you’ve paid off your home, keeping it insured is still a smart move; it generally covers structural damage, loss from theft, and shelters you against costly liability lawsuits if someone is injured on your property. And, as thousands of Californians learn during fire season each year, homeowners insurance can cover the devastating loss of your ...
5 Questions to Ask When Selecting Insurance for Your Ski Shop

5 Questions to Ask When Selecting Insurance for Your Ski Shop

When you own a ski or snowboard shop, getting the right insurance in place is an important task. Whether you’re in the middle of peak season or you’re in the middle of planning and preparation during off-season, there’s no wrong time to make sure you have the right coverage. Before you settle on just any basic commercial liability or business owner’s policy, however, you want to make sure you’re choosing the right coverage for your shop. After all, your business is completely different than the coffee shop next door. So ...
Protecting High-risk Homes in CA: the Wildfire Survival Guide Infographic

Protecting High-risk Homes in CA: the Wildfire Survival Guide Infographic

California’s fall fire season is quickly becoming one of its most destructive yet. Since the start of the Fire Siege on October 8, CAL FIRE responded to 250 wildfires in California. At its peak,11,000 firefighters battled 21 major wildfires that forced 100,000 people to evacuate, destroyed an estimated 8,400 homes and businesses, destroyed over 245,000 acres, and tragically took the lives of 42 people. CALFIRE announced that the Tubbs Fire alone has broken the record as the most destructive wildfire in California’s history. CA Wildfire Facts Wildfires can quickly destroy acres ...
Patent Insurance Basics: What You Need to Know to Protect Your Company

Patent Insurance Basics: What You Need to Know to Protect Your Company

Insurance coverage plays a key part in protecting your business. When you want to take measures to prevent problems with your intellectual property, you need the right type of policy. When your company invents and develops products, you need patent insurance to limit the risk of financial loss due to challenges from competitors or to protect yourself from outside interest in your item or process. What is Patent Insurance? When you take out a patent, it means you own the intellectual rights to a specific product or process. For example, your ...
A Small Business Owner's Guide to Intellectual Property Insurance

A Small Business Owner's Guide to Intellectual Property Insurance

Is your business protected against intellectual property theft? Intellectual property can be more valuable than your business’ building and the assets inside. Intellectual Property (IP) insurance can help you defend your patents, trademarks, copyrights and trade secrets against intellectual property infringement. What Is Intellectual Property (IP) Insurance? An intellectual insurance policy is designed to financially protect you in the event that you are victim of intellectual property infringement. In other words, if someone steals your protected idea or design. It also provides protection if you find yourself in the unfortunate position ...

 

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