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Running a business from home comes with flexibility, convenience and cost savings—but it also comes with risks many entrepreneurs overlook. If you’re operating a home-based business in California, your homeowners insurance likely doesn’t provide enough coverage to protect your business assets or liabilities. Homeowners Insurance May Not Be Enough Most standard homeowners policies exclude business-related […]

Insurance companies assess risk based on patterns. If your driving behavior suggests a higher likelihood of filing a claim, your premium may reflect that. Speeding can impact your rate. Even a few miles over the limit can be enough to trigger a citation, and multiple violations over time may signal a pattern. Insurers often view […]

While electric and gas-powered cars share many common risks on the road, the differences in build, repair costs and value can influence how insurance companies assess them. Factors That May Influence Premiums for Electric Vehicles One key consideration is the cost to repair or replace an electric vehicle (EV). EVs have high-tech components such as […]

Your home’s age may be a key consideration in determining insurance premiums. While older properties may offer architectural charm, they often have increased risk factors. Factors such as dated electrical systems, aging plumbing, and worn roofing materials may increase the likelihood of claims, which in turn could lead to higher premiums or more limited policy […]

Understanding the right type of auto insurance is essential for protecting yourself, your family, or your business on California’s busy roads. At , we often hear questions about the differences between personal and commercial auto insurance. Knowing how these policies differ can help you make informed decisions and ensure you have the right coverage for […]