Category: Home Insurance

Having a plan, being prepared is the answer! We are all reading about the devastation of wild fires in California. Not counting the damages for 2019, the 2016-2018 losses more than doubled the previous 40 years of California fire losses. How do you react? First, fire is only one of the exposures that a homeowner [...] Read More

With the recent increase in wind, water and wildfire claims, it should be of little surprise that home insurance rates are on the rise. Couple those events with water damage from leaky pipes and insurance companies are reacting by evaluating future rates and policies. So how do you decide on a home insurance policy? Here [...] Read More

If a hurricane hits locally, are you protected? With hurricane Dorian moving on leaving too much devastation in its wake, it’s sensible to pause and wonder if a 185 MPH hurricane had hit locally, are you properly protected? There are two issues to consider with a hurricane: wind and water. Wind coverage outside of Florida [...] Read More

Many successful people will tell you that one of the keys to success is to surround yourself with likeminded people that have skills that complement and support your efforts. Selecting the right insurance agent adheres to that theme, in an effort to make your success bullet proof from the surprises in life. There are a [...] Read More

Why is my house insured for $2.8m when I couldn’t sell it for $2m? This is the question we field at Shepard Insurance Group daily from our clients. Unfortunately the answer is one you won’t want to hear. Over time, property values have softened for real estate sales, the number of buyers has reduced, and [...] Read More

As we approach the tail end of Hurricane season scientists continue to gather data on the storms, and insurance companies continue to react to that data. Here is what is clear: Based on the Saffir-Simpson Wind Scale (SSHWS), developed by civil engineer Herbert Saffir and meteorologist Robert Simpson, wind must exceed 74 miles per hour [...] Read More