The Importance of a Landlord Policy for Renting Our Your Home or Condo

Why landlords need adequate insurance.   Being a landlord is an exciting prospect. However, renting out property is never going to be a risk-free activity. That is why it is so important to ensure you have landlord insurance when you rent out a property such as a home or a condo. What is landlords insurance? Landlords insurance is an insurance policy that is designed to cover the property owner from financial losses connected with rental properties. The policy covers the building and has … [Read more...]

How Does Creating a Trust Affect My Insurance Policies?

What you should know about your trust and insurance policies.   Trusts are commonly used structures for wealthy families. Your attorney may recommend that you place all of your assets in a trust. This trust will preserve your assets against lawsuits and against the need to “spend down” to qualify for financial assistance. It also allows your assets to pass to your beneficiaries without going through probate. Before you put all of your worldly goods in a trust, you need to know how it will … [Read more...]

Is My Home Liability Insurance Enough?

Determine how much liability insurance you need.   All home insurance policies generally cover two main areas: property and liability. Property insurance covers your home, any detached structure, and your personal items. Liability insurance will cover negligent acts you commit if you are deemed responsible. If someone gets injured or their property is damaged and you are at fault, they could file a suit and you could be looking at a huge expense. Liability covers you against bodily injury or … [Read more...]

Fire Prevention Safety Tips for the Holiday Season

Fire safety tips for your winter festivities.   Although California isn’t known for its ice and snow in winter, the cooler temperatures mean we spend more time inside and enjoying the festivities of the season. Along with the holidays comes an increased risk of fire. From Christmas trees to decorative lights to holiday candles, the festive period often sees a spike in home fires. To keep the flames at bay, take a look at our top fire prevention tips for the holiday season. Decorations: … [Read more...]

What Homeowners Can Learn From California Wildfires

A changing climate means you need to be sure you have plenty of fire coverage for your property. The recent wildfires in California have been some of the worst the state has faced for years. The destruction and damage caused by wildfires have affected many homes and families that thought they were in the clear. With the rising temperatures, dry weather, and changing climate, the risk of wildfires remains very real. Unfortunately, this means that many homeowners in high-risk areas are losing … [Read more...]

3 Things That Can Void a Home Insurance Policy

Common errors that could result in having your homeowners insurance policy canceled. You have homeowners insurance. You know you have coverage to protect your home and belongings from the worst, namely fire and theft. But do you know what can void a home insurance policy? If you don’t know your policy like the back of your hand, you may not know what can cause your insurance to get canceled. Check out a few of the common errors. Being away from home for an extended period. Say you go away … [Read more...]

Top Causes of Electrical Fires in Homes

Prevent electrical fires in your home with these tips. Fires are one of the worst offenders for home destruction. Within seconds, a fire can tear through a property, destroying everything in its path. Naturally, as a homeowner, you do everything you can to prevent fires. Keeping your electrics in good shape should be part of your safety plan. To prevent one from breaking out in your home, check out some of the common causes of electrical fires. Overloading Sockets Popular around the … [Read more...]

Lou Aggetta Insurance, Inc.

2637 Pleasant Hill Rd
Pleasant Hill, CA 94523

(925) 945-6161 | Phone
(925) 256-7610 | Fax