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San Leandro, CA
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Year: 2020

San Leandro, CA Oakland, CA Homeonwers Insurance Non-Renewals Coming in 2021

Fri, December 4 2020 - 2:41 PM
All of us are looking forward to 2021 in hopes that we can put the pandemic behind us. We realize that this is not the best headline for any California Homeowner, but the reality is that we received notifications from three very large insurance companies that the Non-Renewal notices are coming. In some cases, the non-renewal notices will be delayed until…

San Leandro, CA San Mateo, CA Does My Insurance Cover Me for Everything?

Mon, November 30 2020 - 4:17 PM
You likely already know that your insurance policies do not cover you for every eventual outcome. In reality, some situations are insurable and others are not. For example, it would be great if you could buy an insurance policy to cover you for gambling losses next time you go to Las Vegas, the horse races, or the nearby card room. Insurance doesn't exi…

San Leandro, CA Oakland, CA Property Insurance Terms and Their Meanings

Fri, November 20 2020 - 10:23 AM
When it comes to insurance, there are a lot of terms that can be confusing because the context is generally not part of our everyday life. Understanding some basic terms will help you insure yourself properly and understand why some policies may be a lot better than others! Actual Cash Value, Depreciation, and Replacement Cost - these terms are related…

San Leandro, CA Oakland, CA Homeowners Insurance Is Going to Get Messy in 2021

Fri, November 13 2020 - 4:28 PM
California Homeowners Insurance is not in the best place these past few years - wildfires have pummeled insurance company loss ratios, and many insurance companies want out. We would have seen many more non-renewals in 2020, but the California Department of Insurance encouraged carriers to hold off on non-renewing policies, so there was stability for most…

San Leandro, CA Hayward, CA Why Insurance is More Like Pizza than Vegetable Oil

Fri, November 6 2020 - 10:44 AM
What? Have we gone crazy over here at SMD Insurance? Well the pandemic has certainly made everyone a little pent up, but we are still pretty sane and calm when it comes to insurance! Then why do we say that insurance is more like Pizza than Vegetable oil? When you buy insurance, there are basic coverage's and limits that come with most policies kind of…

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