Best Rental Property Insurance in California

Rental properties are one of the best investment assets one can have. Making sure you have the proper rental property insurance in place is critical in protecting such a large asset. This will provide peace of mind for any landlord. The rental property insurance marketplace offers numerous insurance providers—all offering the ‘Best Rental Property Insurance in California.’ It is hard to evaluate between them unless we know few basic concepts. This article touches upon the idea of residential homeowners insurance for rental properties, which keeps you a step ahead in this industry.

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Best Commercial Property Insurance in California

Commercial property insurance is generally part of a Business Owners Policy (BOP). No matter if you are an apartment complex owner, starting your own business, or have a well-established business running for years—knowing the intricacies of commercial property insurance can help you choose the best carrier in the market.

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California Residents – What You Need to Know About Life Insurance

Having the right life insurance is pivotal in planning for the future of you and your loved ones. Life insurance can help you fulfill promises you’ve made your family when you are gone.

Don’t leave the future of you and your loved ones to chance. Don Williams & Associates can help you find the right life insurance coverage for you, and help ensure that your policy continually meets your needs.

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What you should know about flood insurance

You’ve probably heard this horror story before — someone loses a home due to a flood and learns after the fact that standard homeowners insurance doesn’t cover flood damage.

At Don Williams & Associates, we want you to be educated about all of the risks you may face – before a loss occurs – so you can determine what insurance coverage is appropriate. Spring is a prime season for flooding, so now is a good time to review your options.

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Making a Case for a Fire-Wise Landscape

You’ve heard all about the record dry weather across the country, and you’ve probably heard about the increased threat of wildfires, too. But, have you considered the fire risk of your own landscaping here in Los Gatos?

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4 Things to Consider When Insuring a Second Home

Everyone loves vacation. But, vacationing in your own seasonal home? Even better.

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Clients often think they don’t need renters insurance — “Nothing I have is worth that much,” they’ll say, or “I don’t have a lot of stuff.”

That’s how most people think of renter’s coverage: protection for stuff, and nothing more. After all, it’s inexpensive and it doesn’t even cover the structure itself. So how important can it be, especially if you don’t think you have anything valuable to protect?

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The 2020 fire season in California resulted in a year of record setting wildfires that burned across the entire state. With over 9,600 fires and 4 million acres burned, 2020 ended as the largest wildfire season in Californias modern history.

5 of the 6 largest wildfires in Californias history occurred just  in 2020. What does this mean for homeowners in California? As mentioned in a previous article, hundreds of thousands of homeowners have had their homeowners insurance non-renewed or cancelled as a result of the recent fire seasons. The aftermath of the 2020 fire season will most likely lead to a significant increase in homeowners facing the exact same problem.

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What is the California Fair Plan?

The California Fair Plan is an insurance pool made up of all the insurers who are admitted to write property insurance in California. The Fair plan was created as a last resort insurance option for customers who can not obtain insurance with an admitted carrier.

Created in 1968, the Fair Plan is not a state agency and does not have any taxpayer money or public funding involved in financing the Fair Plan. So how does the Fair plan stay financially solvent? If the Fair plan does not have enough capital to cover claims and expenses they will access the member companies to cover those costs. As I mentioned above, all licensed insurers that write property insurance in California are member companies of the Fair Plan. Companies like Nationwide, Safeco, State Farm, Allstate, etc.

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