MDJ Insurance Services

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MDJ Insurance Services Family owned business in the city of Inglewood , California. In operation since 1973.

Homeowners Insurance: What It Covers and How It WorksAs someone who's been guiding clients through the ins and outs of p...
10/18/2026

Homeowners Insurance: What It Covers and How It Works
As someone who's been guiding clients through the ins and outs of property & casualty insurance since 1988, I know how important it is to understand exactly what your homeowners insurance protects. A standard HO-3 policy typically safeguards your home’s structure against almost any type of damage (open-perils), while your personal belongings are covered for specific risks (named-perils). Keep in mind—flood and earthquake coverage aren’t part of the standard package, so separate policies are needed for those. I always recommend reviewing your coverage each year to ensure it still fits your needs, and for broader peace of mind, many find that an umbrella policy is worth considering. Staying informed is the best way to protect what matters most.


https://www.vusocial.com/agent-news/ruben-davis/1553884-Homeowners-Insurance%3A-What-It-Covers-and-How-It-Works

What Can Affect Homeowners Insurance Costs?As someone who's been guiding clients through the ins and outs of property & ...
10/17/2026

What Can Affect Homeowners Insurance Costs?
As someone who's been guiding clients through the ins and outs of property & casualty insurance since 1988, I've seen firsthand how many factors can impact homeowners insurance costs. It's important to compare quotes and take a close look at your property's claims history before making a decision. Securing your coverage promptly helps you avoid any risky gaps. Don't forget to consider details like bundling your policies, choosing the right deductible, and taking advantage of discounts. Make it a habit to review your policy annually. Also, be sure to check the difference between replacement cost and market value, and if your home is in a high-risk area, look into state-backed options. Staying informed is key to protecting your investment.


https://www.vusocial.com/agent-news/ruben-davis/1391842-What-Can-Affect-Homeowners-Insurance-Costs%3F

How Home Ownership Tax Breaks Changed Under the Big Beautiful BillAs someone who’s spent decades helping clients protect...
10/17/2026

How Home Ownership Tax Breaks Changed Under the Big Beautiful Bill
As someone who’s spent decades helping clients protect what matters most, I’m always keeping an eye on how new legislation shapes the landscape for homeowners. Trump’s 2025 tax plan brings several changes that could directly impact both current and future homeowners. For those earning under $500,000, the SALT deduction cap is rising to $40,000—a noteworthy adjustment for many families. The plan also ends the Residential Clean Energy Credit after 2025, makes current mortgage interest limits permanent, and expands the Low-Income Housing Tax Credit. There’s even talk of higher tariffs on building materials. Understanding these updates is key to making informed decisions about protecting your property and investments.


https://www.vusocial.com/agent-news/ruben-davis/1579476-How-Home-Ownership-Tax-Breaks-Changed-Under-the-Big-Beautifu

10/16/2026

Many U.S. Homeowners Are Underinsured by 20%
As someone who’s spent decades guiding clients through the ins and outs of property and casualty insurance, I’ve seen firsthand how underinsurance can catch even the most diligent homeowners off guard. While about 90% of owner-occupied homes in the U.S. are insured, many are still underinsured by an average of 20%—a gap that often isn’t clear until a claim is filed. This disconnect typically stems from confusing policy language and overlooked exclusions. Flooding stands out as the most frequent and costly disaster, affecting nearly every county over the last twenty years, yet less than 4% of households hold flood coverage. Just a single inch of floodwater can cause $25,000 in damage, and with rebuilding costs up roughly 45%, it’s more important than ever for homeowners to keep policies up to date. Experts recommend considering extended replacement cost coverage, which could add 10% to 50% above your policy limit, as well as code-upgrade and extra protection for high-value items. It’s details like these that make a real difference when it matters most.

10/14/2026

California Property Insurance Strategies
Navigating property insurance in California is more complex than ever, especially as standard carriers pull back from writing policies—even outside the highest fire-risk zones. For many, the state’s last-resort coverage remains critical for fire protection, but it’s important to remember this basic policy leaves gaps. Homeowners still need separate coverage for liability, theft, vandalism, and certain types of water damage. Over my years at MDJ Insurance Services, I’ve seen how fire-hardening measures—like maintaining defensible space or upgrading vents, roofs, and windows—not only help safeguard your property but can also make you more attractive to insurers. With some carriers considering policy resumptions, it’s wise to stay proactive. Independent brokers play a key role in comparing standard, last-resort, and even surplus lines, always taking care to scrutinize financial strength, deductibles, and any gaps in coverage. Understanding your wildfire risk, tapping into local grants for mitigation, and evaluating higher deductibles are all strategies I encourage for strengthening insurability while keeping pace with California’s evolving insurance landscape.

10/13/2026

Can I own a home without homeowners insurance?
It’s a common question: is homeowners insurance truly required to own your home? Technically, once your mortgage is paid off, you’re not obligated to maintain a policy. However, if you have a mortgage, lenders generally insist on insurance—it’s their way of protecting both your investment and theirs. As someone who has worked in property and casualty insurance since 1988, I’ve seen firsthand how homeowners insurance does more than satisfy a lender. It safeguards your property from disasters, covers your belongings, and provides valuable liability protection. Even after the mortgage is gone, keeping coverage is a smart move for lasting financial peace of mind.

10/12/2026

U.S. Homeowners Face Coverage Gaps
Many homeowners assume their insurance will protect them from any loss, but after working in property and casualty insurance since 1988, I’ve seen firsthand that coverage gaps often only become clear when it’s too late. Standard policies typically don’t cover earthquakes, landslides, or floods—so if water enters your home from ground level, you’ll likely need a separate flood policy for structural repairs. Some water-related incidents, such as rain entering after roof damage, might be covered, but claims involving mold or specific types of water damage can have strict limitations.

Another key issue: if your policy limits haven’t kept pace with today’s rebuilding costs, you could face significant out-of-pocket expenses. Options like extended replacement cost or code-upgrade coverage can help bridge that gap. And if you own high-value items—artwork, jewelry, antiques, fi****ms, or electronics—be aware that standard policies often have category caps. It’s crucial to check how these belongings are handled before a loss occurs. Protecting what matters most starts with understanding where your coverage stands.

Best Renters Insurance CompaniesWhen it comes to choosing renters insurance, it pays to look for providers that truly de...
10/11/2026

Best Renters Insurance Companies
When it comes to choosing renters insurance, it pays to look for providers that truly deliver value and peace of mind. The companies that consistently stand out offer affordable premiums, minimal complaints from customers, robust financial stability, straightforward policy management, a variety of discounts, and—importantly—full replacement cost coverage for your belongings. After decades in the insurance industry, including handling property and casualty coverage, I know how crucial these factors are when protecting what matters most.


https://www.vusocial.com/agent-news/ruben-davis/1579561-Best-Renters-Insurance-Companies

10/11/2026

Honoring the Significance of Indigenous Day

Mobile home insuranceAs someone who's been guiding clients on the ins and outs of property and casualty insurance since ...
10/09/2026

Mobile home insurance
As someone who's been guiding clients on the ins and outs of property and casualty insurance since 1988, I know how important it is to understand what your mobile home insurance actually covers. These policies are designed to protect your mobile home against physical damage and liability, but it's important to note that coverage for transit damage and flooding requires separate policies. If you're looking to keep premiums manageable, peril policies can be a smart option—they offer more limited risk coverage at a lower cost. The key is making sure you know exactly what protections you have in place.


https://www.vusocial.com/agent-news/ruben-davis/843117-Mobile-home-insurance

Address

2439 W MANCHESTER Boulevard
Inglewood, CA
90305

Opening Hours

Monday 9:30am - 6pm
Tuesday 9:30am - 6pm
Wednesday 9:30am - 6pm
Thursday 9:30am - 6pm
Friday 9:30am - 6pm

Telephone

+13237531161

Website

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