California Insurance Guru

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.

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?

No.

Times are tough for everyone.  The economy is at it’s worse and everyone seems to be affected.  I thought being an insurance agent I wouldn’t have to worry about my income.  But, that’s not necessarily true, when people have little money they pay for basic needs only. 

You don’t want to be caught unprepared!  Has it been a year or more since you reviewed your policy with your agent?  Have you made changes to your Home?

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.

I received a call from an insured today.  Apparently, they received a letter from their mortgage company requesting that their home insurance policy be reviewed to determine if it is underinsured. It’s a sad day when the banking industry is dictating to insurance companies and insured’s the replacement cost for homes and to review their […]

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 […]

Identity fraud is wide-spread affecting even the little guy, the home owner.  I will list a few ways to better protect yourself. Lock your car when you leave it. Don’t leave packages or items in plain view through car windows. Never leave your wallet, money or identification in your car.

Yesterday, I wrote a new auto insurance policy for someone.   I did nothing out of the ordinary as I asked all the same questions I ask everyone when writing a policy.  An insurance agent has to ask the same questions and follow the same procedures when writing insurance policies, this is known as compliance.  My […]