Why Earthquake Coverage Matters & Why It’s Not Included in Your Homeowners Policy Most homeowners are surprised to learn that earthquake damage is not covered under a standard homeowners insurance policy. With small tremors becoming more common across many regions, understanding this gap, and how to close it, is more important than ever. Even minor...

Open enrollment is STILL here , but the clock is ticking. You can still get coverage for 2026, but applications must be submitted by Jan 15th! If you’ve been quoted a higher rate, don’t assume that’s the final word. There is still time to get a second opinion, explore your options, and make sure you’re...

Open Enrollment is almost here and whether you’re renewing your current ACA plan or exploring new options, a little preparation goes a long way. Here are a few key things to consider before the window opens: Take a moment to look over your current health plan. Are your doctors still in-network? Have your prescriptions changed?...

Flood Insurance: What You Need to Know in 2025 With floods dominating the headlines lately, many homeowners are asking: “Do I need flood insurance, and how soon does it take effect?” Whether you’re in a high-risk zone or just want peace of mind, here’s what you should know—especially about the 30-day waiting period that often surprises people...

“When Thunder Roars, Go Indoors” isn’t just a catchy phrase—it’s a lifesaving reminder. Each year, lightning strikes the United States about 25 million times, and while fatalities have decreased from around 55 to fewer than 30 annually, hundreds of people are still seriously injured. Many of these injuries go unreported, and most occur during outdoor...