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				<title><![CDATA[Insurance Information Network of California - Articles - Home]]></title>
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					  <title><![CDATA[Underinsurance Q & A]]></title>
					  <link>http://www.iinc.org/articles/317/1/Underinsurance-Q--A/Page1.html</link>
					  <description><![CDATA[What is underinsurance?&nbsp; Underinsurance describes when an insurance policy has a stated limit that does not adequately cover the replacement cost of the insured item. This could include a home, auto, jewelry or artwork. The process of adequately insuring property is also known as &#8220;insuring to value.&#8221; In this article, IINC addresses underinsurance and how to prevent it.]]></description>
					  <author>cmiller@iinc.org (IINC Editor)</author>
					  <pubDate>Fri, 13 Nov 2009 00:00:00 -0700</pubDate>
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					  <title><![CDATA[Federal Disaster Assistance]]></title>
					  <link>http://www.iinc.org/articles/320/1/Federal-Disaster-Assistance/Page1.html</link>
					  <description><![CDATA[California is a state fractured by faults, rich with thick, combustible vegetation and vulnerable to violent storms.&nbsp; Millions of Californians are exposed to natural hazards which may have disastrous consequences.Following a disaster, federal recovery relief may be available to victims. ]]></description>
					  <author>cmiller@iinc.org (IINC Editor)</author>
					  <pubDate>Sun, 30 Aug 2009 00:00:00 -0600</pubDate>
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					  <title><![CDATA[Is Your Home Fire Safe?]]></title>
					  <link>http://www.iinc.org/articles/25/1/Is-Your-Home-Fire-Safe/Page1.html</link>
					  <description><![CDATA[Wildfire season isn't limited to summer and fall any more.&nbsp; Before things really heat up, California homeowners can take simple steps to protect their homes and neighborhoods against wildfires.]]></description>
					  <author>cmiller@iinc.org (IINC Editor)</author>
					  <pubDate>Tue, 05 May 2009 00:00:00 -0600</pubDate>
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					  <title><![CDATA[Know Your Rights:  Laws Protecting Fire Survivors]]></title>
					  <link>http://www.iinc.org/articles/223/1/Know-Your-Rights--Laws-Protecting-Fire-Survivors/Page1.html</link>
					  <description><![CDATA[A list of California Insurance laws benefitting survivors of natural disasters.]]></description>
					  <author>cmiller@iinc.org (IINC Editor)</author>
					  <pubDate>Tue, 30 Oct 2007 00:00:00 -0600</pubDate>
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					  <title><![CDATA[Flood Insurance: What Every Homeowner Needs To Know]]></title>
					  <link>http://www.iinc.org/articles/37/1/Flood-Insurance-What-Every-Homeowner-Needs-To-Know/Page1.html</link>
					  <description><![CDATA[Did you know that most homeowners insurance policies do not offer protection against flood losses? Standard homeowners policies will cover the damage a storm might cause to your home and possessions, but exclude damages from what is known as "rising water." Why? Insurance is essentially a device to spread risk, and few homeowners really need or would purchase this coverage.&nbsp; ]]></description>
					  <author>cmiller@iinc.org (IINC Editor)</author>
					  <pubDate>Fri, 29 Dec 2006 00:00:00 -0700</pubDate>
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					  <title><![CDATA[The Importance of a Home Inventory]]></title>
					  <link>http://www.iinc.org/articles/36/1/The-Importance-of-a-Home-Inventory/Page1.html</link>
					  <description><![CDATA[Try this game. Sit in the kitchen with a pen and paper. Without looking, try to write down the entire contents of your living room. Now, check to see how many items were missed. Did you remember the drapes&#8230;the carpet&#8230;the rugs? Now try it again with every other room in the house. It may be surprising to see how many items you have overlooked.&nbsp; ]]></description>
					  <author>cmiller@iinc.org (IINC Editor)</author>
					  <pubDate>Fri, 29 Dec 2006 00:00:00 -0700</pubDate>
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					  <title><![CDATA[Insurance Checklist - A Guide for Home Buyers]]></title>
					  <link>http://www.iinc.org/articles/35/1/Insurance-Checklist---A-Guide-for-Home-Buyers/Page1.html</link>
					  <description><![CDATA[
Shopping for your dream house? It&#8217;s important to keep insurance in mind throughout the home buying process. Most lenders won&#8217;t provide a mortgage without insurance coverage. Your insurance company or agent, together with your Realtor, can help you get what you want &#8211; a good home that is properly protected.&nbsp; ]]></description>
					  <author>cmiller@iinc.org (IINC Editor)</author>
					  <pubDate>Fri, 29 Dec 2006 00:00:00 -0700</pubDate>
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					  <title><![CDATA[Insurance For Your House And Personal Possessions]]></title>
					  <link>http://www.iinc.org/articles/34/1/Insurance-For-Your-House-And-Personal-Possessions/Page1.html</link>
					  <description><![CDATA[If your house burns down or is destroyed by a violent windstorm, or if your possessions are stolen, you don't want to suddenly find out that your homeowners insurance policy pays less than you thought it would. ]]></description>
					  <author>cmiller@iinc.org (IINC Editor)</author>
					  <pubDate>Fri, 29 Dec 2006 00:00:00 -0700</pubDate>
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					  <title><![CDATA[Twelve Ways To Lower Your Homeowners Insurance Costs]]></title>
					  <link>http://www.iinc.org/articles/33/1/Twelve-Ways-To-Lower-Your-Homeowners-Insurance-Costs/Page1.html</link>
					  <description><![CDATA[Insurance is a highly competitive business and the price you pay for your homeowners insurance can vary by hundreds of dollars, depending on the insurance company you buy your policy from. Companies offer several types of discounts, but they don't offer the same discount or the same amount of discount in all states. That's why you should ask your agent or company representative about any discounts available to you. Here are some things to consider when buying homeowners insurance. ]]></description>
					  <author>cmiller@iinc.org (IINC Editor)</author>
					  <pubDate>Fri, 29 Dec 2006 00:00:00 -0700</pubDate>
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					  <title><![CDATA[Condominium (Condo) Insurance]]></title>
					  <link>http://www.iinc.org/articles/32/1/Condominium-Condo-Insurance/Page1.html</link>
					  <description><![CDATA[Condominium insurance is a special insurance designed to fit the specific needs of condo owners. Condo and renters insurance are similar because they both provide personal property and liability protection. However, condo owners need to take into consideration additional coverage for the building based on their condominium association's master policy and coverage. ]]></description>
					  <author>cmiller@iinc.org (IINC Editor)</author>
					  <pubDate>Fri, 29 Dec 2006 00:00:00 -0700</pubDate>
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