<?xml version="1.0" encoding="UTF-8"?><rss version="2.0"><channel><title><![CDATA[Capital Providers Insurance Services, Inc. ]]></title><description><![CDATA[Articles]]></description><link>http://www.capitalprovidersins.com/</link><copyright><![CDATA[Copyright Capital Providers Insurance Services, Inc. ]]></copyright><generator>sNews CMS</generator><item><title><![CDATA[Earthquake Insurance?]]></title><description><![CDATA[  Earthquake damage is not covered by a standard homeowners insurance policy.      
Too many people find out the hard way that earthquake damage is not covered by their homeowners insurance policy. A standard homeowners insurance policy will cover your dwelling and your personal property against many perils. Things such as damage from hail or wind during a storm, theft or vandalism, even a car crashing into your house would be covered by a standard homeowners insurance policy.
    
But some things such as floods and earthquakes are not covered. To be covered for earthquake damage requires that you purchase additional insurance. The premiums for this type of insurance are generally pretty small but the deductibles can be high. If you choose to get earthquake insurance shop around for the best deal. Try to find a policy that offers the most coverage for a reasonable price and be sure to ask about how much the deductible will be.
  
  
When you hear the word earthquake the first thing that pops into your mind may be California. But California is not the only place that gets earthquakes. Since 1900, 39 of the 50 states have had earthquakes and all 50 states have sustained damage due to earthquakes. Approximately 90% of Americans live in areas considered to be seismically active but a very small percentage of people actually care your earthquake insurance. Even in California where earthquakes are most likely to occur only about 12% of homeowners carry earthquake insurance.
    
Should I Obtain Earthquake Insurance?
    
Factors to Consider:
    
    * Could you afford to pay for the rebuilding your home from your own savings & investments?    
    * Can you afford to pay the high cost of insurance, indefinitely?    
    * Could make payments on your current mortgage and on a new loan to rebuild?    
    * Can you mitigate your potential losses by bolting your roof to the walls and the walls to the foundation, for example?    
    * What is your tolerance for the risk of an earthquake?    
    * What is the risks of your current home construction (type, age, foundation)?    
    * What are the risks of your specific location (soil type, distance to known faults)?

]]></description><pubDate>Fri, 24 Jul 2009 09:01:00 +0000</pubDate><link>http://www.capitalprovidersins.com/coverage-questions/earthquake-insurance/</link><guid>http://www.capitalprovidersins.com/coverage-questions/earthquake-insurance/</guid></item><item><title><![CDATA[what is a deductible?]]></title><description><![CDATA[In insurance policy terms, a deductible is the amount of money which the insured party must pay before the insurance company's own coverage plan begins. In practical terms, insurance companies include a deductible in their policies to avoid paying out benefits on relatively small claims. A typical auto insurance policy, for example, may carry a $500 deductible. If the owner of that car accidentally hits another car while parking and both drivers agree the damage is minimal, he or she would pay the $500 repair bill out of his or her own pocket. Insurance companies would not encourage a claim for such minor damages.]]></description><pubDate>Thu, 02 Apr 2009 21:46:18 +0000</pubDate><link>http://www.capitalprovidersins.com/coverage-questions/what-is-a-deductible/</link><guid>http://www.capitalprovidersins.com/coverage-questions/what-is-a-deductible/</guid></item><item><title><![CDATA[Welcome]]></title><description><![CDATA[  Capital Providers Insurance Services, Inc.    is a full service, all inclusive insurance brokerage company. Founded in 1989, we are one of the fastest growing insurance providers in Southern California and are appointed with The Better Business Bureau.     
    
Over the years, we have earned respected business relationships with our direct underwriters and insurance carriers. We have built and maintained a solid relationship with our clients on a professional and personal level. We cater to our clients with the highest quality service possible and have a 93% retention ratio. By doing business with us, clients have dramatically reduced the percentage of their claims. 
    
We aggressively shop the industry every year to make certain that our clients are being offered the best possible policy that caters to their unique business operations at the lowest possible price. Many of our new clients have been referred to us by our satisfied existing clients.  
    
  
      
Our team of experienced insurance consultants in the Woodland Hills office has in house authority to generate certificates and additional insured to all third parties per our client’s request. All certificates are free of charge. 
    
On average, we have saved and continue to save our clients more than 30% on their premium. We only write quotes through A – Rated insurance companies to insure complete protection and the finest service. We underwrite all aspects of commercial insurance policies, such as Workers Compensation, General Liability, Commercial Auto, Inland Marine, Property, Umbrella & Excess as well as other policies. 
]]></description><pubDate>Thu, 02 Apr 2009 13:36:07 +0000</pubDate><link>http://www.capitalprovidersins.com/home/welcome/</link><guid>http://www.capitalprovidersins.com/home/welcome/</guid></item></channel></rss>