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Stand Alone Earthquake Insurance Policy

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Is everything around you shaking. Maybe it's another earthquake. If you live near Reno, Nevada we have been experiencing multiple quakes and primary epicenter is the Verdi/Mogul area. Most homeowners insurance owners have the ability to add earthquake insurance to their existing homeowners policy. If this is not an option, many independent insurance agencies (including ours) offers a stand alone earthquake insurance policy. In some cases these policies may even be less expensive than what your existing homeowners insurance carrier is offering. Especially if you plan to keep the policy for multiple years, because most stand alone earthquake policies do charge a policy fee and a dwelling inspection fee. The bottom line is if you do desire an earthquake insurance policy and your current homeowners insurance carrier will not bind coverage, you have the option of purchasing a stand alone insurance policy.
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Auto Ins.: Difference between CSL & Split Limits

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What is the difference between combined single limits (CSL) and split limit insurance coverage amounts? CSL is designed to allow you a lump sum amount coverage, which may be used to effectively cover an automobile loss up to a specified amount. For instance, if your CSL automobile liability limit is $300,000, that amount can be used to cover bodily injury to one person (per person) or all the people in the vehicle injured (per occurrence). In addition any property damage would also be included within the $300,000 insurance amount. The key benefit of CSL automobile liability protection is flexibility. With split limit coverage there are fixed amounts of coverage for each automobile loss. For instance, if your split limit liability amount is $100,000/300,000/100,000 (or 100/300/100) the coverages are broken down into three categories. The first is bodily injury (per person), the second is bodily injury (per occurrence), and third is property damage. For example, if you collide wi
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One of the least discussed benefits of mountain trail running is proprioception.

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Proprioception is a noun (Physiology): perception governed by proprioceptors, as awareness of the position on one's body. I started researching proprioception, after reading an article regarding the physiological benefits gained by the activity of mountain trail running. I've have an active daily running streak, that started on October 6th, 2007. Running every day has allowed me the opportunity to invest a lot of time and energy into perfecting my stride mechanics. My running style is unique to me. However, because I run everyday it has been important to repeat movements that allow me to run injury free. What's interesting about mountain trail running is that I have taken more falls in the last year, then at any other time during by almost 14 years running streak. What is interesting is I have learned to fall without serious injury by constantly focusing on the best possible foot placement. Plus in trail running there is normally a grade involved, and I'm running on dir
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