California Insurance Guru

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 […]

Always remember, flood and earthquake insurance are not covered by a standard homeowners policy.
You will need to ask for and get separate quotes for flood or earthquake insurance, as they are not part of a normal homeowners insurance policy.
If you buy a home in a designated flood area, you will have to buy a separate flood […]

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 offered as a guaranteed level premium or a step up non-guaranteed premium.  The level amount means you pay a set amount for a specified period.  The period could be 5, 10, 15, 20 or even 30 years. [Read the rest of this entry…]

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 offered […]

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 goals and financial plan. 

Choosing the right policy is very important.  You will need to talk to an agent. The agent will ask fact-finding questions and do a needs analysis to determine how much life insurance you need.  The agent will also help you decide what type of policy is right for you.

There are many reasons for purchasing life insurance, below are just a few: [Read the rest of this entry…]

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. [Read the rest of this entry…]

Always remember, flood and earthquake insurance are not covered by a standard homeowners policy.

You will need to ask for and get separate quotes for flood or earthquake insurance, as they are not part of a normal homeowners insurance policy. 

If you buy a home in a designated flood area, you will have to buy a separate flood insurance policy.  The lender will usually require flood insurance to fund a loan for your home if you are in a flood area.  A separate flood insurance policy will cost on average about $400 per year. [Read the rest of this entry…]

1.  Shop Around

When you receive a quote from Starkquote insurance for your home you are shopping several companies at one time.  We will tell you which company has the lowest price.  Don’t consider price alone, the company you select should offer a fair price and give you the quality service you expect.

Below, I have listed 2 companies to contact to review the different insurance companies that you are considering.  You will want to check their ratings with these companies.

www.ambest.com   (A.M. Best)

www.standardandpoors.com  (Standard & Poor’s)

2.  Raise Your Deductible [Read the rest of this entry…]