From the category archives: Blog

Protection For The Finer Things In Life

Written by on 11/9/2014 3:55 PM . It has 0 Comments.

Standard homeowners, condominium or renters insurance policies include a limited amount of coverage for jewelry and other valuable items. However, many policies limit the dollar amount of coverage for the theft or loss due to a covered peril of such items. To properly protect certain types of valuables, additional coverage is available through a policy endorsement. Endorsements are additions to your homeowners, condominium or renters insurance policy that change or add to the policy’s provisions. The endorsement can cover property otherwise excluded from a basic homeowners insurance policy, extend the number of perils included, or increase the amount paid for a covered loss. The items of value are “scheduled” on a list that includes a brief description and the item’s dollar value. In order to determine each item’s value, an appraisal or sales receipt is typically required. This will help ensure that, in the event of a covered loss, the amount of insurance is enough to cover the ...

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9 Tips For Handling Water Damage

Written by on 10/21/2014 6:15 PM . It has 1 Comments.

Picture this: You’re returning home from a wonderful weekend getaway and open the door to your home to find that your entire kitchen and living room are covered in water!... In the blink of an eye, all the joy and relaxation from the vacation vanishes and is instantly replaced with pure panic and frustration.  Don’t worry, should you ever find yourself in this situation, here are a few tips to help you assess the situation, mitigate the problem and restore everything back to normal… First and foremost, try to determine the source of the water and shut off the water valve. If possible, remove the standing water that you can see by sponging or blotting. Pick up and remove saturated rugs from floors. Stay out of rooms where ceilings are sagging from retained water. Place aluminum, saucers or blocks between furniture legs and wet carpet. Do not operate electrical appliances while in contact with wet flooring/surfaces. Do not leave fabrics, magazines, ...

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Renters Insurance For Less Than $15 Per Month?

Written by on 10/6/2014 5:45 PM . It has 0 Comments.

According to a recent study, 56% of millenials (adults ages 23-35) do not have renters insurance, despite more renters in this age group than ever before. Over 1,000 renters were polled and the survey found that three-quarters of them were unaware that the coverage was quite affordable. And a whopping 40% do not believe the coverage is a necessity, despite owning thousands of dollars worth of property. The study raises the question: If you’re a renter and don’t have renters insurance, what are you waiting for? Renters insurance covers your possessions against damage from things such as fire, smoke, lightning, vandalism, theft and water (but not flooding) - just to name but a few. It also extends beyond on-premise theft and hazards, covering property that is stolen from your car, or lost or damaged anywhere you happen to be. In addition to protecting your personal property, renters insurance also protects you in the event that you are responsible for injury or property damage to others. That me ...

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Quarterly Grand Prize Referral Winner - GoPro HERO3!

Written by on 7/14/2014 8:31 PM . It has 1 Comments.

Mike ZCongrats to Mike Zepeda for winning the quarterly grand prize referral contest!

Mike won a brand new GoPro HERO3 camera - valued at $200!

A big thanks to Mike for referring his friends and family to our agency for their insurance needs.  We build our business on your kind words and trust in us, so referring friends, family and colleagues is one of the biggest compliments we can get.

2014 Referral Rewards Program

What’s Smart, Inexpensive and Essential If You’re A Renter?

Written by on 2/25/2014 12:39 AM . It has 0 Comments.

If you're currently renting a property, renters insurance is a smart, inexpensive and essential coverage for you to consider adding to your insurance program. For example, if a fire were to sadly burn down the place you are renting, how would you replace all of your belongings? The #1 mistake that renters make in this situation is believing that their personal property is covered by their landlord’s policy.  In reality, your belongings are your responsibility to protect, so a fire could be very costly for those without renters coverage. Here's why renters insurance is a good solution if you’re currently renting a town home, apartment or house: Renters insurance is a great value - with an annual cost of only $150 to $350, depending on the coverage amount. Renters policies protect against property-damage claims, too.  Let’s say you’re out on the golf course and shank a drive that breaks a house window. Your renters insurance policy would cover you! Renters I ...

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What You Need to Know About Renters Insurance

Written by on 4/20/2011 6:15 PM . It has 0 Comments.

,P>What do you think your belongings are worth? Conducting a thorough home inventory might be an eye-opening experience since the value of your furniture, DVD collection, clothing, books and moveable appliances can really add up. Without coverage, replacing these items could be a real financial hardship. With Renters Insurance, you are covered. Plus, if you have valuables such as expensive jewelry or collectibles, an Endorsement to a Renters insurance policy can add to the policy’s provisions. This means that in the event of a covered loss, the amount of insurance is enough to cover the repair, replacement or cash reimbursement of the item. That also means that your expensive camera equipment or wedding ring can be covered, too. Renters Insurance provides protection against both property loss and liability (in the event that you cause injury or property damage).  To learn more about what that means, we’ve covered some basics about each. Property Protection Renters Insurance covers your ...

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How to Insure an "Extended" House Guest

Written by on 3/29/2011 6:17 PM . It has 0 Comments.

Question: My 28-year-old son was laid off and is now living at home with us again. He’s brought all his stuff, which we’re storing in the garage. While he’s with us, he’ll be helping out with household expenses as much as he can. Does he need renters insurance? What additional insurance do we need to get, if any? Answer: A growing number of adult children have had to return home to survive the recession. The so-called boomerang effect does have insurance consequences, but your son doesn't need renters insurance, even if he pays you rent. The only exception is if he's living in a separate rental unit, such as an apartment above your garage. Your son's belongings are protected under your home insurance policy while he's living with you. However, whether your home insurance policy limits are high enough to cover all your possessions, plus his stuff, is another question. Home insurance coverage for personal belongings is usually a percentage of the coverage amount for the dwelling. Revi ...

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A Homeowner's Best Friend...

Written by on 2/10/2011 2:38 PM . It has 0 Comments.

America loves its dogs, whose population in U.S. households is estimated at 60 million. While dogs make great companions, playmates, and protectors, they also continue to be a problem for insurers.  Nearly two million people are bitten by dogs each year with around 800,000 individuals getting professional medical treatment for their wounds. Each of these incidents is a potential lawsuit. California’s level of dog ownership continues to grow. Therefore, biting incidents have also climbed. Another factor that contributes to these incidents is that owners often fail to supervise and train their pets. A third big contributor to the problem is that many persons, especially children, do not know how to behave around dogs. An Issue Of Control Insurance is still designed to handle accidents, and companies are at a severe disadvantage when policies are asked to respond to losses that are easily avoided. Dog bite claims involve the insured having control over areas such as: Choosing th ...

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