California Insurance Guru

There are different types of home insurance.  Homeowners insurance Homeowners insurance is for your primary home.  This is the home you go to and live in on a daily basis. Second home insurance. This is your secondary home, your vacation home which is not the one you live in on a regular basis. Rental home […]

There are different types of home insurance.  Homeowners insurance Homeowners insurance is for your primary home.  This is the home you go to and live in on a daily basis. Second home insurance. This is your secondary home, your vacation home which is not the one you live in on a regular basis. Rental home […]

Term life insurance is more affordable than any other type of life insurance.  Term life has no cash value.  There is no savings program associated with it.  You can compare it to renting a house.  You own nothing.  If you stop making payments it terminates. 

Term life insurance is more affordable than any other type of life insurance.  Term life has no cash value.  There is no savings program associated with it.  You can compare it to renting a house.  You own nothing.  If you stop making payments it terminates.  Whole life policies are cash value policies.  There is a […]

No! An agent who represents several companies will charge a broker fee.  The broker fee is non-refundable.  Now, don’t get me wrong, if the agent makes a mistake and you need to cancel the policy before it goes into effect, you should get the broker fee returned.  Keep in mind, all agents aren’t going to […]

No! An agent who represents several companies will charge a broker fee.  The broker fee is non-refundable.  Now, don’t get me wrong, if the agent makes a mistake and you need to cancel the policy before it goes into effect, you should get the broker fee returned.  Keep in mind, all agents aren’t going to […]

NO. If you have car insurance in the United States you are covered while driving in any state.  However, You are not covered outside of the United States.

NO. If you have car insurance in the United States you are covered while driving in any state.  However, You are not covered outside of the United States.

How high should your liability insurance be?  That’s a wide open question, but one that needs to be seriously addressed. You can’t expect to answer this question without the advise of an insurance professional.  There are many things to take into consideration. Identify your assets and liabilities. Identify your funds to protect those assets.

How high should your liability insurance be?  That’s a wide open question, but one that needs to be seriously addressed. You can’t expect to answer this question without the advise of an insurance professional.  There are many things to take into consideration. Identify your assets and liabilities. Identify your funds to protect those assets.