According to CA. Civil Code 3342. (a) The owner of any dog is liable for the damages suffered by any person who is bitten by the dog while in a public place or lawfully in a private place, including the property of the owner of the dog, regardless of the former viciousness of the dog or the owner's knowledge of such viciousness. This also includes Dogs that have never had prior bites. This is a good reminder to review your personal liability coverage. It also pays to carry a $1M Umbrella Policy on top of your stated coverage.

Insurance notice of cancellation? sometimes due to an illness or a lengthy vacation,your Insurance bill gets overlooked and then your policy is cancelled. Within most policies, there is something called "Third Party Designee". This Designee can be a neighbor, friend or relative that will also receive a cancellation notice in the mail the same time one is mailed to you. Most Insurance Companies offer this service at no additional cost. It's a nice way to prevent Insurance cancellations.