What is underinsurance?  Underinsurance describes when an insurance policy has a stated limit that does not adequately cover the replacement cost of the insured item. This could include a home, auto, jewelry or artwork. The process of adequately insuring property is also known as “insuring to value.”

In this article, IINC addresses underinsurance and how to prevent it.

California is a state fractured by faults, rich with thick, combustible vegetation and vulnerable to violent storms.  Millions of Californians are exposed to natural hazards which may have disastrous consequences.

Following a disaster, federal recovery relief may be available to victims.

Wildfire season isn't limited to summer and fall any more.  Before things really heat up, California homeowners can take simple steps to protect their homes and neighborhoods against wildfires.

A list of California Insurance laws benefitting survivors of natural disasters.

Did you know that most homeowners insurance policies do not offer protection against flood losses? Standard homeowners policies will cover the damage a storm might cause to your home and possessions, but exclude damages from what is known as "rising water." Why? Insurance is essentially a device to spread risk, and few homeowners really need or would purchase this coverage.