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The Affordable Care Act: Why you are restricted to open enrollment.

The Affordable Care Act, also known as Obamacare, was signed into law in 2010. The act was passed to provide affordable health insurance coverage for all Americans regardless of pre-existing conditions.

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How does the Fair Plan and DIC work together?

If you are a homeowner in California you have seen your homeowner's insurance rates increasing over the last couple of years, sometimes dramatically and even without having filed a claim. One of the major reasons for this has been the devastating wildfires that have plagued our state over the last couple of years.

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Why Your Kids Need an Email Address Before Their First Birthday.

When exactly is a good time for your child to have an email address? This question may seem quite complicated, but the answer is pretty simple, as soon as they have a name!

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Some Boating Myths Debunked.

Driving a Boat is the same as driving a car. No it is not! Boats float on top of the water and generally the water is always moving. Boats cannot simply maneuver as precisely as a vehicle can on asphalt. Boats have no brakes, and even if they did have brakes you still have the movement of the water as well as wind playing a factor in moving you about.

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The Property
of Others.

There are many businesses who repair or service property of a customer or that that is owned by another party. Should this property be damaged or destroyed, there may be obligations under an agreement or contracts to repair or replace it.

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Why is Condo Ownership so Complicated?

Condo insurance is often treated as a one size fits all type of policy. Real estate agents often tell buyers the HOAs master policy covers the structure and that the buyer only needs to cover their personal property and personal liability.

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