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Ken May Insurance Services Blog: home insurance

View the latest blog posts from Ken May Insurance Services.

Liability claims are very costly, especially in a sue-happy state like California. It is important to have sufficient liability coverage on your property insurance in case somebody gets injured on your property. This is vital on home owner’s policies but extremely important on renter’s insurance policies as well. READ MORE >>

While deductibles on auto policies are usually $250, $500, or $1,000, deductibles on homeowner’s policies are usually $1,000 or even $2,500. On the surface, this just doesn’t seem right. Or is it? Let me explain. READ MORE >>

By Ken May Everybody knows that insurance costs money. Just like going to the grocery store, you buy items that you need or want and pay a price. It’s the same on an insurance policy except that they call it a premium instead of a price. I’m not sure why. It may be because a fancier name enables them to charge more (lol). READ MORE >>

By Ken May The basic rule when this happens is that the insurance policy of the property that was damaged pays for the loss. For example, your neighbor’s tree falls over and damages your house. In this case, your homeowners insurance would pay for the loss. READ MORE >>

Dwelling Replacement Cost and Extended Replacement Coverage             With the horrific wild fires that Northern California experienced, I think that now is the time to review your Dwelling Replacement Cost and Extended Replacement Coverage on your homeowner’s insurance policy. READ MORE >>

Mercury Insurance is now using FireLine It’s always exciting when the insurance company in which you place the most business with opens up their homeowner’s insurance program to allow even more clients! READ MORE >>

Wind and dry vegetation is a recipe for disaster in California. By Ken May              California Senator Dianne Feinstein stated that California could be in for a severe fire season. Weather events of the recent past seem to support her prediction. READ MORE >>

by Ken May It is not surprising that many people don’t really understand what a homeowner’s insurance policy covers. This is actually a good thing for me in that it keeps my job viable. Here are some numbers and facts that I believe you will find interesting. READ MORE >>

What is the first thing you think of when you discuss homeowners’ claims? Being in California, I naturally think of our biggest claim which is wildfires. If you lived in other parts of the country, you may automatically think about tornadoes, hurricanes, or some other catastrophic loss. READ MORE >>

Did you know that in 2016, dog bites and dog-related injuries such as knocking down children, cyclists, and the elderly accounted for over one third of all homeowner’s claims? This includes attacks on post office workers. These claims added up to a total payout of over $600 Million. READ MORE >>

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