I feel the earth move under my feet…

… and (sadly) the wine came tumbling down, tumbling down. Now, while I am certainly keeping those 208 individuals injured (happy there were no casualties reported) in Sunday’s Napa earthquake in my thoughts and prayers, being the insurance guy that I am, my mind also turns to the property damage and how the businesses and homeowners will recover. It also got me to thinking that most people may not be aware that earthquake damage is not covered on a standard homeowners, renters, condo owners or commercial general liability...

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Points on… Renters Insurance

> One of the biggest misconceptions that renters have is that their property inside the rental unit is the responsibility of the property owner. The property owner’s insurance does NOT cover your belongings that you have in the rental property nor are they responsible for damages to your belongings. > On a renters insurance policy you will need to decide if you want, “market value” which is how much your property is worth in today’s market orĀ  “replacement value” which is how much it would cost today...

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