The best type of claim? Not having one in the first place. Water damage is wreaking havoc on the insurance industry. Couple this with the fact of costs to repair a water damage claim and it’s not pretty. Also, does anyone really want to go through the hassle of water claim? Ask anyone who has been through one – it’s no fun.

Is your home or rental property titled in the name of your trust? You need to make sure it’s insured properly to avoid any issues in the event of a claim.

You bought a home, and you need insurance. You give us a call and we start explaining that not all home policies are created equal, and we’ve included “all risk” (also known as open perils, comprehensive, or HO5) coverage to your personal property. Since this can be a bit involved, we’re here to help clear it up.

Why you should have this important – and inexpensive – coverage on your condo insurance

As you are well aware, California has had quite a few fires these past couple years, and it’s heavily affecting the insurance industry.

This is a question we are asked almost daily. It’s a hard market right now and trust me…we as agents aren’t exempt.

There are a few options for the scenario, but what's the best choice for you?

So you need to file a claim with your insurance, and you're thinking, where do I start? Well, we've got the answers.

So you're renting a storage unit and you want to make sure your items inside are properly covered and protected - we have the answers.

Want to know the benefits of using an independent insurance agent versus using an online insurance company? Read on!

Actual Cash Value or Replacement Cost, what's the difference and which should I choose?

So you're taking a vacation and you're wondering “do I need to purchase extra travel insurance?” We've got a few tips to help you decide.

This is a very common question that we get, and there are different answers depending on the violation.

Check out this great infographic from Safeco insurance on why higher auto limits are recommended which includes real claims examples!

To keep it simple, the deductible is the amount you pay out of pocket in the event of a claim. Have $5,000 worth of collision damage on your car, and a $500 deductible? The insurance company will pay out $4,500. Keep reading to see what deductibles apply to different types of insurance, and recommendations from us.

To answer this question briefly, unless your landlord requires that you carry renters insurance, you don't need it. That being said, we do strongly recommend it; the benefits and low cost may surprise you.

Did you know that most homeowners and renters insurance policies have a limit on items such as jewelry, cameras, firearms, collectibles, etc.?

This is one of our clients' most common questions, so I figured it would be a great subject for a blog post.

First off, you should know that flood damage is not covered by your homeowners insurance (look into a separate flood insurance policy) where as water damage is typically covered under your homeowners insurance (verify with your insurance agent!), but what determines what is flood damage and what is water damage?

Did you know some insurance companies offer an extra glass coverage to repair or replace your windshield, and there's no deductible? Keep reading to find out more about this coverage and a few extras!

Now we'll go over what is not automatically included on auto insurance, and are optional for you to choose in Part II of auto insurance coverages.

We realize many clients (or would-be clients, give us a call!) would like to know exactly what their auto insurance covers, so keep on reading to find out! Also, I'll be splitting this up into 3 blog posts because I understand how boring it is to read about insurance.

Welcome to our first Pappazi Insurance Agency blog post; this will just be an introduction to what you can expect to see on our blog here, keep reading to find out!