California Insurance Guru

When shopping for insurance most people buy with price in mind.  Price is important, but its certainly not the only reason to base your decision making. How important is the insurance company you choose?  Choose your insurance company wisely.  You want a top rated company that has good customer service and an excellent claims reputation.  […]

Well, what can you say, the time has finally come.  Your child is now a teen and ready to drive.  Depending on the situation and the insurance company, this can be a costly adventure.  The 1st thing to decide is, will your teen be driving your car part-time or will they have their own car?  […]

Life insurance is for the living.  Well, what does that mean?  Scenario; you have a family, a wife and two kids.  You are 35 years old and your children are grade-school age.  What happens to your family if you die?  Chances are, if you don’t have a good life insurance policy in effect your family […]

A 2nd home is just that, a 2nd home.  Its not your primary home.  You don’t qualify for a homeowners policy for a 2nd home.  But, you are offered a good policy that is suited to your specific needs.  How do you use your 2nd home?  Is it your seasonal vacation home or will you […]

People ask me all the time, “should I get uninsured motorist”?  Insurance is about taking on a risk or paying an insurance company for taking on the risk.  Liability insurance is required, but the other coverages are not.  What this means is you have a choice.  A choice to take on a risk, a chance […]

There are good things to be said about the local agent, but don’t pass up the opportunity to quote and buy insurance over the Internet. If you are computer and insurance savvy, there is no reason not to shop for insurance on the Internet.  You can obtain quotes from the lowest companies in minutes. Not […]

The insurance industry in the State of California is regulated under Part 2 of the California Insurance Laws.  Life insurance claims procedures and policy requirements are in place to protect you, the consumer. California law provides consumers a “free look” period of 10 days in which to decline or accept a life insurance policy.  Many companies […]

Term policies provide life insurance for a specified period of time.  They provide money in the event of death, but offer no cash value.  Term policies are to be considered if you have a limited amount to spend.  Keep in mind, the cost of term insurance increases as you get older. Today’s Term insurance is […]

When buying life insurance, you want a policy that fits your needs at a reasonable cost.  First, you will want to determine how much life insurance you need.  Next, you need to decide how much money you can pay toward your life insurance policy.  Finally, you must choose the type of policy that meets your coverage […]

When you buy a home you will want to know if that house has had any losses or claims reported by insurance companies.  You don’t want to own a house that has inherent problems or losses that haven’t been fixed.  Losses on a home that you buy could affect qualifying for a standard insurance policy.