If you are one of the many California residents who owns a rental property this article is just for you. Rental properties are a great way to bring in extra income, but it is critical you have the right landlord insurance policy in place to protect your rental property. What is Landlord Insurance? Landlord Insurance protects your building, just like a homeowners insurance policy, while also providing you with liability coverage in the event someone is inured on the property. You can purchase landlord insurance as an individual, under your LLC, or even under a trust. What does Landlord Insuranc ..read more

Looking for homeowners insurance in Sacramento, Ca usually means looking for the best combination of coverage and price. Whether you live in the north, east, west, or south part of Sacramento, you deserve the most competitive rate possible. New Homes vs Old Homes Brand new homes almost always have the lowest prices for homeowners insurance across the Sacramento market. This is because newer homes have a much lower probability of having a claim. Having new plumbing, electrical, roof, hvac, etc. are all features that insurance companies favor. Although California fires are still a concern, insur ..read more

Understanding the factors that impact the cost of your apartment complex insurance can be complicated. The location of the property, size of the building, and amount of coverage needed to insure the building all impact the pricing of apartment complex insurance. Because of how complex commercial insurance for apartment buildings can be it is important to have an experienced broker. Don Williams & Associates, Inc. can help, call us today at 408-402-3646. Key Rating Factors Insurance companies look at four major factors when evaluating a property insurance submission: the buildings construct ..read more

Protecting your property and assets is crucial as a homeowner in California. That’s where insurance comes in. But with so many different types of insurance available, it can be overwhelming to figure out which policies are truly essential. In this blog post, we’ll take a closer look at the 5 essential types of insurance for California homeowners, including what they cover, how they work, and why they’re so important. Homeowners Insurance– Homeowners insurance is a must-have for any homeowner in California. It provides protection for your home and personal property in the event of a covered lo ..read more

As a homeowner in California, protecting your property against natural disasters is a top priority. One such disaster that could potentially wreak havoc on your home is flooding. While many homeowners assume that their homeowners insurance will cover flood damage, the truth is that it does not. That’s where flood insurance comes in. In this blog post, we’ll take a closer look at flood insurance in California, including what it covers, how it works, and why it’s so important. First and foremost, it’s important to understand what constitutes a “flood” in the eyes of insurance companies. Essentia ..read more

As a landlord in California, you may be familiar with the importance of having insurance for your rental property. But do you know exactly what kind of insurance you need? And are you aware of the specific risks that landlords in California face? In this blog post, we’ll take a closer look at landlord insurance and what you need to know to protect your investment. First off, let’s define landlord insurance. This type of insurance is designed to protect rental property owners from financial loss due to damage or liability claims. It can cover a range of risks, including property damage, loss of ..read more

Need a Homeowners Insurance comparison in Scottsdale, AZ? If you’re like most homeowners in Scottsdale, AZ  your home is your most valuable asset, and should be protected as such. When your home is damaged or destroyed, you need your claim settled by an insurance company that understands the importance of the place you call home. Our insurance professionals are here to make sure purchasing home insurance in Scottsdale is as simple as possible! Scottsdale Homeowners Insurance If you’re not using an independent agent like us, it can be hard, if not impossible to tell the difference between ..read more

For Austin, TX homeowners, landlord insurance is one of the most important things you can have in place to protect your investment. With the ownership of a rental property, you take on significantly more risk by owning a home that you do not occupy. As most Austin, TX landlords have come to find out, renters can be irresponsible.  You try your best to vet your tenants to find a good fit for your home, but you have no control over your tenants choices and behaviors. You face a major liability exposure by having a tenant occupied home. If a tenant or a tenants guest is injured on your prope ..read more

Whether you’re working on a remodel or building a new home from the ground up, it is important to understand what type of insurance policy you need in place to protect your home. A builders risk policy, also known as a course of construction policy, covers the costs of repairing your home and can cover any building materials. Who Buys Builders Risk Insurance? Homeowners, business owners, and contractors are the most common residential builders risks customers. Depending on the terms on the construction contract, the homeowners or contractor will be responsible for obtaining builders risk insur ..read more