B. Jason Perry's Page

This is a common question that I receive from prospects, and clients.

Does my insurance cover anyone who drives my car? Many insurance companies tell people that yes they are covered, when in fact they are not covered as much as they may think.

Quite a few insurance companies out there do not write what we call "permissive use" policies, many of which you might think they would. This means that although your coverage's may look the same for the liability limits 250/500/100, they… Continue

I had submitted an article last week regarding homeowners replacement cost and the need to make sure you have adequate coverage here in Southern California as the cost to rebuild a home has increased dramatically. (Most homeowners that I speak with are underinsured by about $60-$80 per sq. ft., because most insurance agents/companies don't do proper research. Most companies use replacement cost calculators that are not accurate for Southern California.)

Also, in a comment to an article written… Continue

When I purchased my first property I was told that if i did not put a certain amount of money down that I would have to purchase mortgage protection insurance, and that it would cost me a certain amount more each month of which would be tacked onto the loan payment. This is to protect the mortgage company.

Anyone who purchases a home with a loan should have life insurance to protect themselves. There is also mortgage protection insurance to protect the home buyer. If something where to happen t… Continue

Due to the recent fires,

I wanted to address coverage's provided by, homeowners, condo, and renters policies.***

Additional living expenses:

If you face a mandatory evacuation your property insurance coverage will cover your additional expenses for… Continue