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Most people believe this is TRUE because they think the HOA insures the interior (including contents) and exterior of the unit. In some cases, the HOA policy will cover both the interior and exterior, but it never covers your contents or personal property.

Most of the time, the property owner is responsible for the “walls-in.” This is also known as an HO-6 policy where the homeowner is responsible for the paint, flooring, baseboards, fixtures, cabinetry, sinks/toilets, fixed/attached appliances, etc. and their personal property.

I truly believe that renters insurance is the best bang for your buck. On average renters insurance usually runs between $20-$25/mo and covers two main things:
1. your personal property
2. the unintentional actions of you, your family members and your pets.

COVERAGE #1: PERSONAL PROPERTY
Personal property is all of your “stuff.” This is anything you would take with you if you moved.

Walk down any street in any neighborhood with a pit bull and you will most likely experience a feeling similar to Moses when he parted the Red Sea. Almost everyone will cross the street or get out of the way. However, walk down the same street with a 100 pound golden retriever and people would smile and ask to pet the dog.

We used to refer to “Fire Season” as the summer months. Fires would usually start in July and keep us on our toes until October. Unfortunately, this is no longer the case and thanks to global warming and arson, fire season is now year round.
Summer doesn’t end in September. We now have the hot and dry “Summer” weather from June to November causing plants to dry out and brush to become more hazardous.

Several decades ago, a large fire was about 15,000 acres, today it is common for a fire to be 100,000 acres.

So, what can you do to be prepared?

SNAP, Spay Neuter Action Project, is a local, grassroots animal welfare charity that offers reduced-rate and low cost spay/neuter services for low income pet owners and caretakers of feral/stray cats.

In the past, “Fire Season” used to consist of only a few months a year. Unfortunately, this is no longer the case. Fire season is year round…especially in southern California.

What does this mean to you in regards to your home insurance? With the recent wild fires, insurance companies had more fire claims than they ever could have predicted. Because they’ve paid out much more than anticipated in losses/fire claims, most insurance companies reevaluated their underwriting guidelines.

We all know that our dogs love to join us wherever we go, be it walks, holidays or days spent in the countryside. However, travelling with a dog tends to fall in to one of two categories for many owners, it’s either one of the most pleasurable aspects of dog ownership, an experience filled with joy and excitement for all involved – or – it’s a living nightmare, punctuated with bouts of stress, worry and discomfort for both dog(s) and owner(s). K9 Magazine is here to help…

I.I.I. Study Shows Dog Bite Claims Cost Nearly $390 Million Annually

NEW YORK, Sept. 14 /PRNewswire-USNewswire/ -- Man's best friend is sinking its teeth into homeowners insurance costs. Dog bites account for one-third of all homeowners insurance liability claims, costing $387.20 million in 2008, up 8.70 percent from 2007, according to the Insurance Information Institute (I.I.I.).