California Insurance Guru

A 2nd home is just that, a 2nd home.  Its not your primary home.  You don’t qualify for a homeowners policy for a 2nd home.  But, you are offered a good policy that is suited to your specific needs.  How do you use your 2nd home?  Is it your seasonal vacation home or will you […]

A 2nd home is just that, a 2nd home.  Its not your primary home.  You don’t qualify for a homeowners policy for a 2nd home.  But, you are offered a good policy that is suited to your specific needs. How do you use your 2nd home?  Is it your seasonal vacation home or will you […]

People ask me all the time, “should I get uninsured motorist”?  Insurance is about taking on a risk or paying an insurance company for taking on the risk.  Liability insurance is required, but the other coverages are not.  What this means is you have a choice.  A choice to take on a risk, a chance […]

People ask me all the time, “should I get uninsured motorist”? Insurance is about taking on a risk or paying an insurance company for taking on the risk.  Liability insurance is required, but the other coverages are not.  What this means is you have a choice.  A choice to take on a risk, a chance […]

There are good things to be said about the local agent, but don’t pass up the opportunity to quote and buy insurance over the Internet. If you are computer and insurance savvy, there is no reason not to shop for insurance on the Internet.  You can obtain quotes from the lowest companies in minutes. Not […]

There are good things to be said about the local agent, but don’t pass up the opportunity to quote and buy insurance over the Internet. If you are computer and insurance savvy, there is no reason not to shop for insurance on the Internet.  You can obtain quotes from the lowest companies in minutes. Not […]

The insurance industry in the State of California is regulated under Part 2 of the California Insurance Laws.  Life insurance claims procedures and policy requirements are in place to protect you, the consumer. California law provides consumers a “free look” period of 10 days in which to decline or accept a life insurance policy.  Many companies […]

The insurance industry in the State of California is regulated under Part 2 of the California Insurance Laws.  Life insurance claims procedures and policy requirements are in place to protect you, the consumer. California law provides consumers a “free look” period of 10 days in which to decline or accept a life insurance policy.  Many companies […]

Always remember, flood and earthquake insurance are not covered by a standard homeowners policy. You will need to ask for and get separate quotes for flood or earthquake insurance, as they are not part of a normal homeowners insurance policy. If you buy a home in a designated flood area, you will have to buy a […]

Term policies provide life insurance for a specified period of time.  They provide money in the event of death, but offer no cash value.  Term policies are to be considered if you have a limited amount to spend.  Keep in mind, the cost of term insurance increases as you get older. Today’s Term insurance is […]