insurance for a tornado

How Does Insurance Work for Tornado?

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Tornadoes are common in the midwestern and southern United States, causing expensive damage. Usually, insurance in tornado-prone states costs more due to the higher risk to insurers of massive claims. Here are important facts to know about home insurance for a tornado. Will damage caused by a tornado be covered by renters or home Read More

Lessen Your Risk for a House Fire with This Information

Lessen Your Risk for a House Fire with This Information

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Stay informed to reduce your risk for a house fire with this information. House fires are a serious risk to the safety of your home and your family. They can happen at any time for various reasons and are more common than you may think. In fact, a recent study conducted by The Hartford using survey data and the U.S. Fire Administration’s National Read More

Find Out What Burglars Look for so You Can Best Protect Your Home

Explore the Mind of a Criminal – Find Out What Burglars Look for So You Can Best Protect Your Home

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These key findings from a recent home burglary study help you boost your home’s security. Protecting your home is a priority. While investing in a homeowner insurance policy can help to lessen the financial blow of a disaster, preventative measures are a must when securing your home. With home burglaries on the rise, learn how to reduce your risk Read More

Seasonal Home Safety Insurance

Tasks to Add to Your Home Safety Checklist

Keep your home safe this year with these home maintenance tasks. As a homeowner, you likely do a lot to protect your most valuable asset. From locking the doors to insulating the pipes in winter, there are plenty of tasks that safeguard a property from crime, damage, and expensive repairs. But, are you doing enough? With crime and property damage Read More

Outdoor Sculpture Installation

What You Need to Know About Outdoor Sculpture Installation

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Your outdoor sculpture may affect your homeowners insurance. Art, in the form of sculptures and statues, can liven up any setting, whether inside or outside of your home or commercial building. There are some considerations to take in to account before purchasing the artwork. Choose a Prime Location As with any real estate accessory, the Read More

Is My Electrical Panel Safe

Is Your Electrical Panel Safe?

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In the heart of the home is an electrical system. Ensure this is safe. Throughout your home, various cords, cables, and wires carry electricity to keep your home fully functioning. It’s not until the power goes out that we realize how much we count on lights, fridges, computers and more. Without a properly functioning electrical panel, nothing Read More

Entertaining at Home

Safety Tips for Entertaining at Your Home

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Are you entertaining for New Year’s Eve? These safety tips protect your home and guests. Many of us enjoy opening our homes to others when celebrating birthdays, holidays, weddings, or hosting a dinner. While entertaining guests is no small fete, there are some essential safety tips to bear in mind when you invite guests into your home. If Read More

Does Homeowners Insurance Cover Dog Bites?

Does Homeowners Insurance Cover Dog Bites?

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Most people like dogs, but no one likes having to deal with dog-bite liability.  Dogs are our best friends and many of us hold them dear, like a member of the family. But, unfortunately, not every dog owner does the responsible thing by training their dog. This irresponsibility by the owner can lead a dog to bite someone and, depending on the Read More

Your Neighbor's Tree May Affect You More Than You Think

Your Neighbor’s Tree May Affect You More Than You Think

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Trees are an amazing source of oxygen and they make any yard beautiful, but the trees that may cause concern just might be your neighbor's.  According to California Civil Code section 883, a tree is considered to be your neighbor's property if the trunk stands wholly on their property. That owner owns the tree regardless of whether its roots, Read More

Difference Between Replacement Cost & Market Value

Difference Between Replacement Cost & Market Value

Replacement cost and market value are terms that are often repeated, but what do they mean? When you purchase a home and a homeowner insurance policy, you’ll have to make quite a few decisions about your coverage. Understanding the difference between replacement cost and market value will help you make the choice that is best for you and your Read More

COVID-19 Update:

The Coronavirus, officially COVID-19, has become a global health emergency. One of the measures Hoffman Brown Company has taken to keep our CLIENTS and Teammates safe was to design a complete virtual work environment. For the foreseeable future, our colleagues will be conducting business virtually to avoid any disruption in our ability to serve you. These measures are based on the CDC’s guidance and will evolve with the situation. Please know that we are fully functional, available and look forward to being of service.