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Riverside Insurance Agency, Inc. Blog

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Part one discussed how a typical homeowner policy covers buildings and structures. Now let’s look at Coverage Part D, which is also a property coverage; as well as Coverage Parts E and F. These latter parts address coverage for injuries to persons or damage to property that belongs to others. READ MORE >>

Generally, a homeowners insurance policy includes at least six different coverage parts. The names of the parts may vary by insurance company, but they typically are referred to as Dwelling, Other Structures, Personal Property, Loss of Use, Personal Liability and Medical Payments coverages. READ MORE >>

In part 1, we began the discussion of the coverage limitations (exclusions) found in insurance policies. Here, we’ll continue. Exclusions are meant to insure that policy and pricing reflects precisely what the insurance coverage intended to cover. These limitations are fair. READ MORE >>

Even if you have auto insurance, there are still instances, called exclusions, when your policy won't provide coverage. Why should exclusions exist in an insurance contract? There are several different reasons. Exclusions are used to do the following: READ MORE >>

About California's Low Cost Automobile Insurance Program California Law requires that all drivers of vehicles within the State maintain evidence of financial responsibility. California's Low Cost Automobile Program (CLCA) was established by the Legislature in 1999 and exists pursuant to California Insurance Code Section 11629. READ MORE >>

Risk managers and business owners face increasingly serious information technology challenges. Regardless of business size, most companies report that they suffer at least one significant data breach yearly. They also share that they have been victimized by computer related vandalism (including denial of service attacks where operations are jammed). READ MORE >>

In part 2, we continue our discussion of how umbrella policies work. Umbrella vs. Excess Coverage A traditional umbrella offers broader protection, supplementing primary policies and handling a variety of other, less common losses. For instance, you may have to go to court after being accused of slandering another person. READ MORE >>

Let’s say you have a policy for your home and your family’s cars. You have just the right policy for the apartment you rent out to others as well as coverage for your boating excursions. Your homeowner's policy even has a special, added protection for the business that your spouse runs out of your home. READ MORE >>

This is the second part of our discussion of typical auto insurance coverages. Please be sure to see part 1 of this article Cars are expensive to buy and repair, providing great reasons for protecting them. If you borrowed money to buy your car, or if you leased the vehicle, the lender or leasin... READ MORE >>

Most state financial responsibility laws require proof that you are able to pay for any damage or injury you may cause while driving. Auto insurance is the way that most people comply with these laws. Typically compliance only takes liability insurance at some minimal limit that varies by state. READ MORE >>

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125 W La Cadena Dr. Suite B | Riverside, CA 92501 | Phone: 951-684-3500 | Fax: 951-684-3578 | tim@ria-cb.com

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