Upcoming Homeowners' Insurance Workshops

June 28th, 10am to Noon
Lilleberg Museum /   Community Center
33659 Green Valley Lake Rd,
Green Valley Lake

July 26th, 10am to Noon
Crest Forest Seniors Leisure Shores Center
24658 San Moritz Dr., Crestline

Space is limited, REGISTRATION is required - scroll to the form below
[Can't make either of these workshops? Sign up to be notified of upcoming workshops here]

BRING A COPY OF YOUR MOST RECENT INSURANCE POLICY!!!

What will be covered?
General Property Insurance Issues
·    Standard Market Insurance, Surplus-line, and California Fair Plan.
·    The danger of being underinsured and overinsured.  What is the blue-print of your insurance policy: Actual Cash Value versus Replacement Cost?
·    Additional Interest vs. Additional Insured - What happens when there's a claim when legal vesting entities are not properly listed or omitted on insurance policy (i.e. trust, LLC, and/or individuals)?
· 'Real' versus 'Personal' property - Why insurance carriers deny homeowner insurance claim or under-pay in the event of Claims? Insurance policy type: HO5, HO3, HO6, HO4, DP1, DP3.
·    Properties: Seasonal, Primary, Probate property, Vacant, Rental,
Commercial/Business, and Vacant land.
•    General Liability and Personal Injury Liability - What can happen?
•    Deductibles: Declaration exclusions of 'perils' and co-insurance clause - what you don't know can hurt you?
•    Residential workers compensation, in-home and/or outside employee.
•    Additional living expenses and Loss of rent
•    What types of endorsements or add-ons might be useful?
•    Are you prepared when it comes to property insurance claim?

Other issues and resources to be addressed:
•    Firewise Community designation - discounts
•    Fire Risk Reduction Communities - discounts
•    Fire safe councils
•    Grant programs for fuel reduction