With the start of the New Year, new changes come as well. The State of California has implemented new laws that may affect you. Some of these laws will bring changes to the environment, gun rights, criminal justice, workplace as…
Read MoreHome Insurance Replacement Coverage
With the recent wildfire events of California, it is more important than ever that home owners carry adequate replacement coverage for their home. Typically, when people think of what their home is worth, they tend to consider either what they…
Read MoreInsurance Tips
There are many potential gaps that could exist within an individual’s insurance policies. Below are a few common gaps that can create a large financial loss for an insured if they discover that they do not have proper coverage. First,…
Read MoreCommercial Inland Marine Coverage
Commercial insurance policies that include business personal property (BPP) provide coverage for certain types of equipment, tools, furniture, etc. while at the insured location. If the business equipment and materials frequently move to different locations (jobsites for example), the company…
Read MoreThree Things to Know About Your Auto Insurance
Paying for auto insurance is the law, but do most people know what they are getting in exchange for their premiums? In California, insureds are required to carry minimum limits of liability which include $15,000 indemnification per person in each…
Read MoreBorrowing an Automobile
I’m borrowing my friend’s car … am I covered? Most people have an idea of what’s covered and not covered under their various insurance policies. At HWP Insurance we get a lot of questions about borrowing or loaning a car….
Read MoreBack to School Coverage
It is that time a year again for students to return to school. If your child is attending college, there are discounts available such as good student and student away at school. The good student discount is given if your…
Read MoreSarah Huckobey
Workers Compensation Never More Competitive
Historically, insurance is a product that tends to shift through cycles with insurance carriers. As changes occur to the economy, climate (wildfires, earthquakes, etc.), laws, and more it affects the way that insurance carriers think and react. Recently, we’ve experienced…
Read MoreProtecting Your Home from Wildfires
With the recent hot weather and likely more to come, below are tips that can help you protect your home from a potential wildfire. Clear and direct access to your home can be crucial in an emergency situation – it…
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