Jonathan Edewards

How much will it cost to rebuild after an Earthquake in Southern California?

Homeowners and Commercial Property owners may be surprised when it comes time to rebuild their properties following an earthquake or other catastrophic event.

Could Consumers Actually Benefit from the Silver Surcharge?

Silver 70 plans through Covered California are being surcharged. How to avoid the surcharge. There are several methods.

What do you need Liability coverage for?

The liability coverage on your homeowners or renters insurance policy covers you for your responsibility for property damage or bodily injury. It’s not always easy to think of an example, but here is a news article in which a homeowners insurance policy paid $100,000 to a man who broke his spine in the course of a search and rescue attempt.

How much is the penalty for not buying Health Insurance?

Starting January 1, 2014, most consumers must have health insurance. This may be through your employer, coverage you buy for yourself, Medicare, or Medi-Cal. Consumers who don’t have health insurance may have to pay a penalty called a “shared responsibility fee” that increases each year up to a maximum amount.

What happens to small businesses that suffer from an interruption of business?

Power outages, water damage, unavailability of employees to report to work, and the inability of customers to access your business could force you to close up shop in the aftermath of a major storm.