California Insurance Guru

Helmet I don’t care if you’re riding on the street or taking a trip across the country, the helmet is an essential item needed if you plan on riding your bike.  The helmet will also help with wind noise and road debris.

 As you know, wild fires happen every year.  Below I list a few pointers that you need to apply in order to protect your home.

The agent will need current copies of your registration.  Most insurance companies require that the registration be in your name, some companies will allow the the vehicle registered to someone else.  If your car is registered to someone else there are companies that will insure you.  They will want to either rate that person on […]

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. 

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.

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 […]

An insured called and asked if they can remove a car from their insurance policy.  The question is not as simple as it seems.  In California, we now have mandatory laws that dictate you must insure an owned vehicle, even if its parked and never used. The way to get around this is to file […]