California Insurance Guru

The California Office of Emergency Services offers these tips to help keep you safe and injury-free during an earthquake. In a High-Rise Building: Look for items that could fall, duck under a desk or table, move against an interior wall, and protect your head with your arms.  Do not use elevators. Outdoors: Move to a clear […]

That’s correct using a hand-held cell phone while driving will be prohibited by law in California effective July 1, 2008.   Violators will be fined $20 for the first offence and $50 for each additional offence. The only exceptions made are for 911 emergency calls and truck drivers.

That’s correct using a hand-held cell phone while driving will be prohibited by law in California effective July 1, 2008. Violators will be fined $20 for the first offence and $50 for each additional offence. The only exceptions made are for 911 emergency calls and truck drivers.

What is Insurance? Insurance is the pooling of money by many people to protect themselves from the risk of losses which may be difficult for an individual to withstand financially. What is an Agent? An Agent is an individual that solicits insurance for an Insurance company or companies. What is a policy? A policy is […]

My car policy cancelled, can I reinstate it? Well, it depends on the company.  But, most companies will reinstate your car, motorcycle or home policies with a lapse.  Each company has there own guidelines.  You will need to talk to your agent and ask if you qualify for reinstatement.

An insurance agent does a lot of work to verify a quote.  Why, because he or she has to be accurate.  Of course, the quote is based on the information you provide.  Does the agent order reports?  NO, not before he has an appointment to write the policy.  The reports cost money and the agent […]

An insurance agent does a lot of work to verify a quote.  Why, because he or she has to be accurate.  Of course, the quote is based on the information you provide.  Does the agent order reports?  NO, not before he has an appointment to write the policy.  The reports cost money and the agent […]

There are all kinds of insurance. There are policies for cars, motorcycles, homes, life and health insurance. I will primarily discuss personal lines insurance. There is also insurance offered for business and more. Is it important to have insurance? Thats a wide open question. We have a need to insure against a liability and to protect […]

There are all kinds of insurance. There are policies for cars, motorcycles, homes, life and health insurance. I will primarily discuss personal lines insurance. There is also insurance offered for business and more. Is it important to have insurance? Thats a wide open question. We have a need to insure against a liability and to protect […]

Winter is upon us and if you live in cold areas you need to winterize your home.  The following is  a checklist to protect your home from below freezing temperatures. Shut off house stop and drain valve.  Make sure the valve is completely shut off.  This will turn off the water supply to the home […]