Your dog may be your best buddy, but he can also become a financial liability if he bites someone. Dog bite litigation is on the rise, and coupled with increased medical costs, is causing a rise in the cost of dog bite liability claims.

Dog bites accounted for more than one-third of all homeowner insurance liability claims paid out in 2009, costing $412 million and up 6.4 percent from 2008, according to the Insurance Information Institute.

What is underinsurance?  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 “insuring to value.”


In this article, IINC addresses underinsurance and how to prevent it.

California is a state fractured by faults, rich with thick, combustible vegetation and vulnerable to violent storms.  Millions of Californians are exposed to natural hazards which may have disastrous consequences.

Following a disaster, federal recovery relief may be available to victims.

Wildfire season isn't limited to summer and fall any more.  Before things really heat up, California homeowners can take simple steps to protect their homes and neighborhoods against wildfires.

A list of California Insurance laws benefitting survivors of natural disasters.