Drought
/ By Paul Nelson / Uncategorized/ 0 Comments

California Experiences Record Levels of Dryness in 2013

You’ve probably noticed already it’s been pretty dry this year. Just how bad has it been? The 4’th driest in nearly 150 years!The National Interagency Fire Center is predicting an earlier and potentially more widespread fire season than we’ve seen in decades. For those of us living in the Bay Area this is particularly startling news because we live in an area rich with trees, forests, and of course brush. Whether you live in a wooded area or in the city, there are important pre-emptive measures you can take to protect your home and your family from our increasing threat of fires and wildfires.

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Driving on Phone
/ By Paul Nelson / Uncategorized/ 0 Comments

Why Full Coverage Auto Insurance Isn’t Actually “Full Coverage”

When I talk to a potential client and ask what coverage they currently have for their auto insurance, the two most commons responses are “liability only” and “full coverage”. Liability only is fairly straight forward; if you’re at fault in an accident, liability coverage provides protection for damage to the other person’s vehicle, their medical expenses, and lawsuits arising from the accident, up to your policy limits. There is no coverage for damage to your own vehicle. When someone mentions full coverage, they’re typically referring to collision (repairs your own vehicle if you’re at fault), and comprehensive (damage to your vehicle other than collision, i.e., theft, vandalism, fire). But does having full coverage mean you’re covered for everything? Far from it!

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