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JSW Insurance Blog: homeowners

View the latest blog posts from JSW Insurance.

After 3 years of devastating wild fires in California, insuring your home is getting more difficult and more costly. Many consumers who own a second home in the mountains are already discovering this as those homes tend to be in more forested areas; areas which are understandably more exposed to a wild fire. READ MORE >>

It can be frustrating to see your home insurance rates increase. However, this happens to most people over time. The costs increase for many reasons. Sometimes, it is due to the actions you take. If you file numerous claims, this can increase your costs. However, other factors are less in your control. READ MORE >>

Home insurance helps you to pay for expensive repairs to your home in many cases. However, whether it will pay to replace your gutters depends on the cause of the problem. Gutters are a critical component to your home’s structural integrity. As a result, you need to maintain them. READ MORE >>

Maybe your walls are looking a little worse for wear. Or maybe it is time to add a new color to your siding. If your home needs paint work, be ready to spend a little money. You might wonder if a new coat of paint counts as a home repair? Will your homeowners insurance cover it? READ MORE >>

Most Californians know that earthquakes can strike at any time, without warning. If a major quake hits, it brings with it a high likelihood of damages and injuries. Earthquakes can cause much more than a chipped mug or a broken picture frame. READ MORE >>

There may not be a more satisfying feeling than paying off your home. While this may mean you no longer have a mortgage, it doesn’t mean the risks against your property are fewer. Most of the time, mortgage lenders require homeowners to have home insurance while they have a loan. READ MORE >>

Earthquakes can strike anywhere, without warning. Even if you don’t live in an area prone to earthquakes, that doesn’t mean an earthquake won’t strike. Small tremors might result in shattered glass and broken shingles. Large earthquakes can cause massive destruction to even the most reinforced homes. READ MORE >>

Homeowners insurance is a necessity. It protects your home and possessions as well as satisfies your lender's insurance requirements. If you fail to maintain insurance, or even fall below the required coverage levels, your lender just may step in and put a policy in place, a very expensive policy. READ MORE >>

Why do you need to have personal umbrella insurance? Most homeowners and individuals believe they are not at risk for lawsuits. You do your job, you come and go as you should and you don’t do anything to bother other people. Yet, mistakes can happen and in some cases, there may be no way to avoid the risks you face. READ MORE >>

It’s an exciting process to buy a home. A lot of work goes into preparing for the process, including making big decisions about the size of a home you can afford. When considering that, also think about home insurance. It should be something you plan for within your budget. READ MORE >>

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