California Insurance Guru

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 […]

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 […]

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.

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 […]

I received a call today.  The caller expressed to me that she didn’t like her insurance agent and wanted a new home insurance quote.  I asked what insurance company are you currently with and who is your agent? She told me her agent did not process a mortgagee change months back and her current mortgage […]

Retirement years bring a lot of new surprises.  Although, your body may not react the same way, your insurance should be a source of some comfort.  There are many discounts for retired people on car, home and other insurance.  Not only are there discounts for having multiple policies with one company, there are discounts for […]

Today, I’m writing about my past articles.  These articles are written for you, the California consumer. The article on Wild Fires in California let everyone know how important it is to have a knowledgeable and personal agent.  I wrote about agents who are brokers versus captive agents and what it means to you.  Another article […]

The fires have been contained in Southern California as of the writing of this article.  The people in the burn areas as well as most people around the state are pulling out their insurance documents for their home policies.  The question on most of their minds, Do I have enough coverage for my home and property’?  If […]

Its the season for wild fires in California.  October seems to bring the winds and fires to our Southern part of the state.  This year is no exception and we are seeing fires in San Diego, Malibu, Santa Clarita, Orange County and the San Bernardino Mountains.  Most of these fires are human produced.  As a […]