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What does FEMA’s New Risk Rating Mean for you?

Earlier this year, the Federal Emergency Management Agency (FEMA) updated the National Flood Insurance Program's (NFIP) risk rating by implementing a new pricing methodology called Risk Rating 2.0. At Dayton Ritz + Osborne Insurance, we’ve broken down the specifics so
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Wildfires: 5 Tips to Help You Expect the Unexpected

Because of its large size, dry climate, hot summers, and areas with high winds, California remains the most wildfire-prone state in the United States. Other states such as Colorado, Montana, and New Mexico are also at higher risk due to
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Flood Insurance: Is it Worth the Extra Cost?

Did you know? An inch of water can cause thousands of dollars of damage and most homeowners insurance policies don’t cover flood damage. Floods have become more frequent in the last several years and April showers have already begun in
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3 Spring Cleaning Tips for Home Maintenance

With spring almost upon us and the warmer weather getting closer every day, we all can’t wait to be outside. Now is the perfect time to start maintenance that ensures your home stays in the best shape. Here are some
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Do Renters Need Insurance?

Renting is often a convenient option for many people seeking a place to live. When you sign a new lease or contractual agreement with your landlord, there are details on who is responsible for certain duties — you or your
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