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The Bay Area's comprehensive guide to new homes 000 Bay Area News Group Advertising Section Bay Area News Group Advertising Section Bay Area News Group Advertising Section Find us online at NewHomeFinder.news A new year means a new opportunity to review your homeowners insurance Mortgage Updates Advertising contact: Sandy Lek 925-847-2135 slek@bayareanewsgroup.com Editorial contact: Rowan Briggs 925-943-8355 content@bayareanewsgroup.com Bankrate obtains rate information from the 10 largest banks and thrifts in 10 large U.S. markets. Mortgages are gathered based on 700 FICO with 80% LTV and between 30-60 lock days. This is an average of all points but the information we gather includes no more than 2 points. 30-YEAR FIXED 2.87 % 5/1 ADJUSTABLE RATE 2.98 % 15-YEAR FIXED 2.36 % For more information on this New Homes section that publishes every weekend, please contact: Real Estate Transactions See Page 2 See the New Home Finder pages See Page 4 By Erik J. Martin CTW FEATURES Therearelotsof resolutionsyoucan makewhenwebegina newyear.Youcanvow togetinbettershape afterseveralsedentary monthsshelteringat homefromcorona- virus.Youcanaimto eliminatejunkfood fromyourdietand shoporganic.Butone ofthemostimportant pledgestopursuein 2021canbetterpro- tectyourpropertyand yourwallet:Make neededchangestoyour homeownersinsurance policy. "It'simportantto reviewyourhomeown- ersinsuranceatleast onceayearorduring aneventchange,such asgettingmarriedor makingalargepur- chase,homerenovation orotherwise,"saysJade Plummer,aninsur- ancebrokeratUnity OneInsuranceinSan ClementeinSouthern California."Theturn oftheyearisasgooda timeasanytoperform thisduediligenceasa consumer." Scrutinizingyour policymayrevealgaps anddeficienciesthat canleaveyoufinan- ciallyvulnerableif,for example,yourhouse burnsdownoryou're suedbysomeonein- juredonyourproperty. Or,there'salwaysthe chancethatyou'lldis- coverareaswhereyou maybeoverpayingfor coverageandcansave money. "Itiscriticallyim- portanttoreviewyour policyatleastannually todetermineifyour coverageneedshave changedorwhetherit istimetoincreaseor decreasecoverages," saysArmandoHernan- dez,trialattorneyand founderofTheLaw OfficesofArmandoG. HernandezinMiami. "Considerthatyour coveragelimitsmay havechangedfrom yeartoyearandno See INSURANCE Pg 2 NEWHOMECOMMUNITIES For advertisinginfo, contact SandyLek at (925) 847-2135 or slek@bayareanewsgroup.com Bay Area News Group's next 15 th Upcoming Publishing Dates: March 7, May 23 & September 26 The Mercury News East Bay Times | Marin IJ & March 5, May 21 & September 24 27 Community Weeklies *Source: 2020 R1 Scarborough Research 2021 Dates Sunday Readership 662,400*