California Department of Insurance

The Homeowner’s insurance policy calls for a “dwelling” limit which is the amount that would be the equivalent cost to replace your home. This often has little to do with appraised market value or even the original purchase price of your home. And take note that homeowner insurance does not cover the land value of […]

In 1996 a federal law called the Health Insurance Portability and Accountability Act (HIPAA) was promulgated providing individuals who just lost their employer-sponsored health plan a way to secure and purchase health insurance even if they suffer a preexisting health condition. This is a sure way of providing health coverage when needed to anybody with […]

COBRA or the Consolidated Omnibus Budget Reconciliation Act is a federal law extending current group health insurance of an employee when he experiences a qualifying situation like employment termination or reduction of part-time work. The coverage can be as long as 18 months extension period. 
To be eligible for COBRA, an employee’s group policy must have […]

   California is home to some of the most exhilarating natural wonders in continental USA. All this beauty comes with a price. Living in beautiful California faces the risks of forest fires, mudslides, floods, and earthquakes. Earthquakes in particular make one chilling prospect for most Californians. Impossible to predict, earthquakes have been known to cause […]

The California Department of Insurance is responsible for enforcing many of the insurance-related laws of the state. They are foremost a consumer protection agency. The California Department of Insurance’s number one priority is to protect insurance consumers by regulating the industry’s practices and encouraging a healthy marketplace, which is one of the largest in the […]