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				<title><![CDATA[Insurance Information Network of California - Articles - Home]]></title>
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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[Recently-added laws should help many fire survivors of the Southern California wildfires.]]></description>
					  <author>cmiller@iinc.org (IINC Editor)</author>
					  <pubDate>Tue, 30 Oct 2007 00:00:00 -0700</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 -0800</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 -0800</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 -0800</pubDate>
					 <guid isPermaLink="true">http://www.iinc.org/articles/35/1/Insurance-Checklist---A-Guide-for-Home-Buyers/Page1.html</guid>
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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 -0800</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 -0800</pubDate>
					 <guid isPermaLink="true">http://www.iinc.org/articles/33/1/Twelve-Ways-To-Lower-Your-Homeowners-Insurance-Costs/Page1.html</guid>
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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 -0800</pubDate>
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					  <title><![CDATA[Protect Your Home From Burglars Before You Go On Vacation]]></title>
					  <link>http://www.iinc.org/articles/30/1/Protect-Your-Home-From-Burglars-Before-You-Go-On-Vacation/Page1.html</link>
					  <description><![CDATA[Each year one out of every 20 homes will be burglarized. The FBI reported that 12 million property crimes occurred in 1992 costing Americans $3.8 billion.&nbsp; According to Candysse Miller, executive director for the Insurance Information Network of California, nine out of 10 household burglaries are preventable. It's all in the preparation before you leave home.&nbsp; ]]></description>
					  <author>cmiller@iinc.org (IINC Editor)</author>
					  <pubDate>Fri, 29 Dec 2006 00:00:00 -0800</pubDate>
					 <guid isPermaLink="true">http://www.iinc.org/articles/30/1/Protect-Your-Home-From-Burglars-Before-You-Go-On-Vacation/Page1.html</guid>
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					  <title><![CDATA[Are You Financially Prepared for an Earthquake?]]></title>
					  <link>http://www.iinc.org/articles/29/1/Are-You-Financially-Prepared-for-an-Earthquake/Page1.html</link>
					  <description><![CDATA[
Earthquakes have occurred in 39 states this century. Although 90 percent of Americans live in areas considered seismically active, only a small fraction purchase earthquake insurance.&nbsp; The 1994 Northridge earthquake in California reaffirmed this fact after parts of Nevada were also jolted by the 6.8 tremblor. In anticipation of the next major earthquake, Nevadans have been busy developing and testing emergency disaster plans and stocking their earthquake kits with extra food, water, batteries and other essential items for survival. ]]></description>
					  <author>cmiller@iinc.org (IINC Editor)</author>
					  <pubDate>Fri, 29 Dec 2006 00:00:00 -0800</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[The fires that annually rage through California destroying thousands of homes remind residents that they need to be prepared for any disaster. ]]></description>
					  <author>cmiller@iinc.org (IINC Editor)</author>
					  <pubDate>Fri, 29 Dec 2006 00:00:00 -0800</pubDate>
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