Mortgagee or Loss Payee, What’s the Difference?

I was recently asked to explain the difference between a mortgagee and a loss payee in one sentence. Here’s the sentence: A loss payee may in fact be a mortgagee, but a mortgagee is probably not a loss payee. Not very helpful, right? Here’s a fuller...

Insurance For Artisan Contractors

Insurance for artisan contractors is an essential type of special coverage. Insurance agents placing this type of insurance should understand the special risks artisan contractors face – bidding jobs, delivering materials to the site, performing the work, and...

Homeowners Insurance Mold or Water Damage

On June 27, 2016, the Second Appellate District of California decided Pasley v. State Farm General Insurance Company (2016 DJDAR 6479) which addressed an issue Sonoma County homeowners insurance buyers should know: homeowners insurance mold or water damage. The Facts,...

Personal Automobile Insurance: The Basics

When buying personal automobile insurance, how much is too much, how little is too little? Buying personal automobile insurance can be confusing. This post will remove confusion about personal automobile insurance. Your agent at Fulcrum Point Insurance knows that...