Aegis Blog

Do You Need Very High Fire Hazard Severity Zone Insurance?

Do You Need Very High Fire Hazard Severity Zone Insurance?

Do you need Very High Fire Hazard Severity Zone Insurance? From San Diego to Siskiyou, CAL FIRE has identified very high fire hazard severity zones (VHFHSZ): areas at extreme risk for wildfire. Every county in the entire Golden state has - at the bare minimum - moderate fire hazard severity zones. Many CA counties consist almost entirely of high or very-high fire hazard severity zone areas. In other words, if you live in California, there’s a ...
What To Do When Your Homeowners Insurance Gets Dropped

What To Do When Your Homeowners Insurance Gets Dropped

Your homeowners insurance got dropped. Now what? If your insurance carrier refused to renew your policy, don’t stress. It’s happening to more and more homeowners, particularly throughout California where wildfire losses are causing huge upheavals in the insurance industry. Knowing you’re not alone may make you feel a little better - but it doesn’t help cover your house. Here’s what will. Aegis Homeowners Insurance Aegis Insurance Market specializes in high-risk homes in Northern California. We’re a Truckee-based independent broker who ...
3 Risks to Avoid for a Happier Holiday

3 Risks to Avoid for a Happier Holiday

The holiday season isn’t always merry and bright. In the midst of bright lights and warm spirits, sometimes everything can go wrong. Here are three holiday risks to avoid this season, plus a few tips (and helpful insurance policies) to keep you caroling along without a care. Flammable Holiday Trees What great memories you made taking the family out to cut down a fresh tree over the holiday season! Trekking through the snow, choosing the perfect tree, hanging the ...
Understanding Homeowners Insurance NonRenewals

Understanding Homeowners Insurance NonRenewals

Californians who live in high-risk fire zones have their share of challenges protecting their homes from seasonal blazes, not the least of which is remaining insured. After facing mounting wildfire losses – more than $12 billion in 2018 alone – many property insurers are deciding that issuing homeowners’ insurance in certain areas of California is just too risky. Here’s what you need to know about homeowners’ insurance nonrenewals: Insurers Have the Right to Not Renew Your Policy There’s ...
What’s Not Covered by Homeowners Insurance?

What’s Not Covered by Homeowners Insurance?

Homeowners coverage is designed to give you peace of mind, knowing that your policy has you covered when your home and property suffer damage from unforeseen perils. While a typical homeowners insurance policy is quite comprehensive, there are certain types of damage that are usually not included. It’s important to know which perils aren’t covered under a typical homeowners insurance policy so that you can talk to your insurer about additional coverages that suit for your ...
Protecting High-Risk Homes In CA: The Wildfire Survival Guide Infographic

Protecting High-Risk Homes In CA: The Wildfire Survival Guide Infographic

In California, there seems to be no end to fire season.  And no end to the destruction that wildfires bring up and down the state. Each year, wildfires in California get larger and more destructive than previous seasons'. In 2017, 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 ...
What Does Homeowners Insurance Cover?

What Does Homeowners Insurance Cover?

Homeowner’s insurance provides unique coverage for your home and belongings. A very comprehensive policy that offers homeowners peace of mind, there is a lot to understand about homeowner’s insurance. Keep reading to find out what kind of protection this essential coverage can provide for the things that matter most to you. What is Covered Under Homeowner’s Insurance Homeowner’s insurance is a multi-line policy, offering both liability and property coverage. If someone is hurt on your property and brings ...
Who Needs Homeowners Insurance?

Who Needs Homeowners Insurance?

Do you really need insurance for your home? Homeowners' insurance is a little different than, say, auto insurance. For starters, if you own a home you’re not legally required to carry insurance on it. But there are some times when you may be required to carry coverage for your home for other reasons... and other times when it just makes good sense. Are you one of these three people who will need homeowners’ insurance? New Home ...
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 ...
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 ...

 

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