12/09/2020
Jacob Ganzler, owner of Petaluma Insurance Agency was the spotlight member of the week of December 2nd.
Highlights from Jacob's presentation:
"Nature...she pardons no mistakes. Her yea is yea, and her nay, nay. ~ Ralph Waldo Emerson”
The new normal:
Increased risk of large scale wildfire is a reality for many homes in California. Your high value home carries with it a unique set of insurance challenges. Petaluma Insurance Agency's new ebook will attempt to explore a few areas that we hope you will find informative. Data is showing premiums and losses are both generally up, while the number of available home insurance companies are generally going down over time. This, for the time being appears to be the new normal.
Remodel, rebuild & new construction:
Congratulations on remodeling, rebuilding or newly constructing the home of your dreams. You’ve worked hard, want to protect what you’ve built, and are building. Coverages for this kind of construction / renovation or installation may fall outside of a typical homeowners policy.
Your home and household may have insurance needs that go beyond just home insurance, such as:
Earthquake — This being California, which is prone to earthquakes, the possibility of a large earthquake is above zero.
Flood — Flood insurance typically has limited coverages, but may be the sole insurance remedy for most kinds of flood loss. It is typically a federal program and not part of a standard homeowners policy, though private flood insurance markets do exist.
Umbrella — A personal umbrella policy provides extra liability, typically a million dollars or more, that goes above and may fill in the coverage gaps of a home, auto and / or certain other policies.
And more, in and around your home — Boat, yacht & marine, collections and collectibles, autos, RVs, classic autos, fine art, jewelry, designer wear (couture & bespoke), musical instrument, scheduled personal property, equine, landlord / investment property, special events ... and much more.
We may be able to help you craft a custom solution right for you. As brokers we have access to a number of specialty insurance companies that may consider many other kinds of unique properties, and other things in and around your home. We are here to help, request quotes that are personal to you. Not only do different people have different insurance needs, the same person will likely have different insurance needs over time. To better address your specific questions, or concerns please connect with one of our brokers today.
