California Insurance Guru

Let’s talk about personal property coverage.  What is personal property?  I tell my insured’s, an easy way to know what is personal property and to calculate the limits is to ‘turn your house, condo or apartment upside down.  Everything that falls out is your personal property.’ Now, not everyone is going to remember the cost […]

Insure your possessions for catastrophic events, not situations you can cover out of pocket.   Keeping this rule in mind will keep your insurance costs down.   You need to have high deductibles which will keep the premiums low.   Again, any losses below the deductible is your responsibility to pay.

Are you prepared when an earthquake strikes? Make sure your water heater is properly secure and strapped.  Securing your water heater is a building code requirement. Make sure you have a plan for everyone in the house and don’t panic.

Are you prepared when an earthquake strikes? Make sure your water heater is properly secure and strapped.  Securing your water heater is a building code requirement. Make sure you have a plan for everyone in the house and don’t panic.

I have not written a post in a couple of months, not because I’m on vacation or ill, but because I haven’t received any questions about insurance from my viewers.

I have not written a post in a couple of months, not because I’m on vacation or ill, but because I haven’t received any questions about insurance from my viewers.

First thing to do is talk to your insurance agent to determine if you have the right coverage for your risk, (car, home or ?).  Once you determine what coverage is needed adjustments should be made to meet your budget.

First thing to do is talk to your insurance agent to determine if you have the right coverage for your risk, (car, home or ?).  Once you determine what coverage is needed adjustments should be made to meet your budget. Raise your deductibles.  Doing so can reduce your insurance premium by as much as 40%. Insure both your […]

Has it been a year or more since you reviewed your policy with your agent? If so, your not alone, this is the case for most people. Have you made changes to your home?  Have you remodeled your home or added to it since your last talk with your agent?

Has it been a year or more since you reviewed your policy with your agent? If so, your not alone, this is the case for most people. Have you made changes to your home?  Have you remodeled your home or added to it since your last talk with your agent? Losses or claims happen, no one wants […]