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Learn more about Homeowners Insurance coverage.

Homeowners Insurance Questions and Answers

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Homeowners Insurance products have many components. Read on to learn more. How can Comparing Quotes Help Homeowners Save Money on Expensive Endorsements Like Flood or Earthquake Insurance? For many people, their home is the biggest purchase they will ever make. It is critically important, then, to protect this investment with proper insurance coverage. But homeowners […]

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What is a Premium Audit?

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What is a Premium Audit? A routine part of Workers’ Compensation Policy Because you rely on your insurance broker to be thorough, informed and detail-oriented, you can expect that terms and regulations on your policies will be adhered to – as stated and on time. One of those features is the Premium Audit, which is […]

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Solar Contractors: Keep Your Team Golden with General Liability Coverage

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Sacramento Leaders Pass Law Requiring Solar for New Home Construction The sun came out for clean energy advocates this year when California state lawmakers determined that beginning in 2020, all new residential buildings up to three stories high must have solar panels. Already a state known for supporting green technology, this move makes California the […]

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How to Have a Happy and Safe Fourth of July

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Did you know that 280 people go the emergency room with fireworks-related injuries every day during the month surrounding the 4th of July? That’s according to the US Consumer Products Safety Commission, which publishes an annual report detailing the previous year’s firework-related deaths, injuries and law enforcement activities. But it’s not just fireworks we have […]

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Do I need to add all drivers to my business auto policy?

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Business auto insurance can be confusing for the owner of a company, but it’s essential you have adequate coverage in place to protect your livelihood and your employees. The scope of your policy needs to be broad enough to mitigate potential complications from a shortage of protection. Who qualifies as insured? To understand why you […]

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Changes to CA Workers’ Compensation Coverage Exclusions July 2018

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Attention Fusco & Orsini business clients!  This is to inform you that there is an important change happening which requires your immediate attention. SB 189 is a new legislation that changed the Labor Code Section 3351. It revises the changes made in 2017 (AB 2883) on Workers Compensation policies. These changes apply to new and […]

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Bop It! Insurance Policy Bundles For Tech Startups

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A business owner’s policy (BOP) can help small business owners to get up and running with the various insurance coverages they need, like property and liability insurance, without having to take out a bunch of separate policies. By having the insurance lines bundled, you can get a better rate on the whole package. A business owner’s policy […]

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I’m moving out of my parents’ house – what insurance do I need?

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By: Melanie McCann, Broker, Fusco & Orsini Insurance Services Wanna know the secret to adulting? It’s asking for guidance. In the case of assessing your insurance needs, the team at Fusco & Orsini is happy to help. When you are moving out, here are some policies you should take over or consider. Renters insurance: The […]

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Will my credit rating change my insurance rates?

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I was recently asked this question by one of our Fusco & Orsini Insurance Services clients, and thought I would share the answer here for our readers. There are a lot of things that go into homeowners and auto insurance rates, one of them being credit. I’ve heard a lot of complaints from people who don’t […]

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Why Do My Auto Insurance Rates Keep Going Up Even Though My Car Keeps Getting Older?

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Why do my auto insurance rates keep going up even though my car is getting older?  At Fusco & Orsini Insurance Services, many of our clients ask this question so I would like to address it from a couple of angles. First things first, even though it’s called car/auto insurance, it covers more than just […]

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