Sign Up  for Homeowner Insurance Workshop
April 24, 2025, 6pm to 8pm
at Rim of the World Recreation & Park District's
Hootman Community Center
2929 Running Springs School Rd, Running Springs

Space is limited, REGISTRATION is required - scroll to the form below

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

Thanks to Rim Park District for sponsoring this event!

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