Laurie Muirhead -HUB International/Capax - Giddings, Corby, Hynes Inc.

11/28/2025

11/05/2025

Late post!

Love my Lodi Association of realtors Modesto marketing meeting group of peeps. The bake Sale for members helping members went really well also.

10/31/2025

Happy Halloween from your scary local Insurance Agent with Hub International Insurance Services.

03/15/2024

National PI Day with the Modesto HUB office.

08/04/2022

5 reasons your homeowners insurance rates went up
If you're one of the 90% of homeowners who renewed your policy just to find out your rates are hundreds of dollars higher than they were last year, you’re probably wondering how this happened. [2] Here are a few of the most common reasons your homeowners insurance rates went up.

1. Record-high inflation
In some cases, your insurer will increase your rates because of something within your control — for example, maybe your roof needs to be replaced or you filed a claim recently. But the fact of the matter is home insurance premiums are going up everywhere due to the surging cost of labor and construction materials thanks to supply chain issues and record-high inflation in 2021 and 2022.
Your rates are based heavily on how much dwelling coverage is in your policy — this is the part of your home insurance that pays to rebuild your home if it's damaged or destroyed. As rebuild costs continue to skyrocket due to inflation, homes are requiring higher dwelling coverage limits to keep up with the rising prices.
This has led to higher home insurance rates across the board, but the outlook is even more grim in areas that are already prone to natural disasters.

2. More extreme natural disasters
From worsening hurricane and wildfire seasons to unexpected cold snaps in Texas, the home insurance industry has experienced record-setting claim payouts and financial losses over the past few years. As a result, many insurance companies are increasing rates to pay for these losses and to ensure they don’t go bankrupt after future climate disasters.
Additionally, in states like California where catastrophic wildfire events are common, construction and labor costs tend to be higher in affected areas due to the increased demand and shortened supply.
So if you live in a high-risk area out West or in the South and your rates recently went up, you’re likely getting hit by both price inflation and the higher reconstruction costs where you live.

3. Your house is older and due for upgrades
Some of the most common home insurance claims are due to water damage after a burst pipe or roof leak. These are also among the most expensive types of home insurance claims. If your insurance company conducts an inspection at renewal and discovers your roof needs to be replaced or you need new plumbing or electrical work, it may increase your rates to account for the high risk of claims.

4. Claims history
Another factor that determines your home insurance rates is your claims history, Carriers typically determine your insurance rates by claims history, among other factors.

5. Attractive nuisances
Insurance companies consider swimming pools, trampolines, and even house pets as “attractive nuisances” since they attract children onto your property and put them at risk for injury. If you install a pool or add a new four-legged friend to your family, your insurance company may increase your rates to offset the higher probability of expensive liability claims or not cover you at all depending on bread of dog or if you have a slide or diving board on the pool

11/05/2020

Brighten up your house by incorporating harvest decorations! From rustic gourd garlands, decorated pumpkins, centerpieces, floral arrangements, and more, this list has a decoration to bring the feeling of harvest into any home.

Welcome guests this fall with harvest decorations—rustic gourd garlands, decorated pumpkins, centerpieces, floral arrangements, and more.

11/04/2020

SEPTEMBER INSURANCE REFERRAL WINNER - JOSH LETRAS

10/27/2020

It's not easy to continue your exercise habits as the weather changes. Try these 8 tried and true ways to stay active even when it's cold, dark, and wet.

Runners, swimmers and walkers tell HuffPost UK their failsafe hacks for year-round enjoyment.

09/29/2020

I would love the opportunity to give you a comparison proposal for your insurance whether it is your auto, home, renters, umbrella, mobile home, secondary home, vacation rental, recreational vehicles, boats, RV or Motorcycle. What if you could receive better protection and save money all at the same time? call me or email me at 209-550-3742 or lmuirhead@capax. Also go and like my Facebook business page. I look forward to hearing from you.

09/24/2020

CONGRATULATIONS to our August Insurance Referral winner Jesse Worsham! The best compliment we can receive is a referral!

Please refer all your friends, family and/or clients to us for all their insurance needs.

Call me at 209-550-3704 or email me at [email protected]. Thank you Laurie Muirhead

09/24/2020

We are just seven weeks away from the highly anticipated 2020 Elections! Make sure that you are registered to vote and consider voting early. Read this article to learn everything you need to know to be ready come November 3.

A realist’s guide to voting — by mail or in person — this election season.

08/25/2020

Congratulations to my client Karen Davidson Serpa. She is our July 2020 Referral Winner.

For every referral that you submit that result in a quote you will receive a $5.00 gift card and GCH Insurance will match the five dollars and donate it to a local charity! If that referral results in sale you will be entered into a lottery at the end of the month to win a $25 gift card!

The best compliment we can receive is a referral from you!