California Insurance Guru

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?  If […]

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 will suffer and not be able to live the same life-style as when you were alive. Your family may lose the house and other possessions because the funds are not there to pay your obligations. As you can see, the insurance is for your family, in case you die.  [Read the rest of this entry…]

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 will […]

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 be renting the home?  You want the best policy that fits your specific needs.

If you want to use your home as a rental, you will want to consider a higher liability limit.  The higher liability limit protects you from claims by renters or guests.  You will also want to consider loss of rents coverage.  Loss of rents endorsement will pay you fair rental income lost while the home is being repaired for a covered loss. [Read the rest of this entry…]

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 be […]

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 of something happening to your vehicle that results in a loss or paying the insurance company to take on that risk. [Read the rest of this entry…]

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 of […]

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 only can you obtain quotes in minutes, you can also bind and buy the policy on-line without ever talking to an agent. 

If you have questions you can always call the company and talk to an agent or representative.  [Read the rest of this entry…]

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 only can […]

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 allow more time to decide.  The time limit will be stated on the policy.

Claim procedures will vary from company to company.  Most valid claims will usually be settled within 30 days of receiving a death notice. 

If you do not pay your premium on time, California law allows you a grace period of 30 days before a company can terminate your policy. [Read the rest of this entry…]