We’re attempting to answer FAQs from clients in 2023. If you do not see your question below, please give us a call. Why did my rates go up if I haven’t filed a claim? Insurance rates for property and autos can increase even without filing a claim due to various factors. Broader trends, changes in

Business Insurance Made Easy Are you feeling frustrated or uncertain about purchasing the right business insurance? We understand the challenges and we’re here to help you solve that problem. Protecting your business through insurance is essential for its sustainability. After investing time, money, and resources into starting and growing your business, having the right coverage

Business Insurance Made Simple When it comes to insuring your business, things can get confusing and time-consuming. That’s why a Business Owners Policy (BOP) is here to help. A BOP takes the guesswork out of choosing the right insurance coverage for your small or mid-sized business. What’s in a BOP? Similar to a homeowners policy,

Minimizing Risks and Ensuring Safety Living in an earthquake-prone region can bring a sense of uncertainty to daily life. It’s crucial for all residents in earthquake country to take proactive measures to “earthquake-proof” their homes, providing peace of mind and a safer environment. While you cannot predict the exact timing or magnitude of earthquakes, preparing

Not all homes are the same so it makes sense that different coverage is available to meet different needs. Here are some things you should know about homeowners insurance. Basic Home Insurance Even though each home is unique there are some things that all homeowners insurance quotes will have.  Every standard homeowner’s insurance policy will

When you live in California earthquakes are a fact of life. We don’t know when they’ll happen, but we know that they can cause a lot of damage. One of the best ways to prepare for a natural disaster like a quake is to have insurance. Here’s some information you should know. Where To Get

How do you keep a business going if you have to temporarily close? Insurance! Specifically, business interruption coverage, also known as business income coverage (BI) or business loss insurance. Here’s what you need to know. Business Interruption Insurance A business interruption policy helps with operating expenses during downtimes, such as lost net income, mortgage/rent/lease payments,

Car insurance can be expensive but with a little effort, you can probably bring the price down. How To Keep Auto Insurance Rates Down From cheap insurance cars to cheap car insurance, there are ways to reduce your premiums. Here are some things you can do. Know The Costs – Check insurance costs before buying

Does your business use data, a computer, or the internet? If any of these are compromised it could be a costly event for your business if you don’t have the proper cybersecurity insurance to protect you. Here’s what you need to know. Who Needs Cybersecurity Insurance Most often, you’ll hear about big corporations getting hit

California wildfires have become a regular and growing threat. If you live in an area that’s threatened by these extreme and damaging events one of the best things you can do is to be prepared. Here are some things to consider when it comes to fire damage. Be Safe You need to be ready if

Accidents happen, it’s a fact of life. It’s also part of the risk that comes with owning and operating a vehicle. If you’re going to be on the road you’ve probably thought about auto insurance and maybe found it a bit overwhelming. It’s ok, there’s a lot to consider. This article will give you a

If you live in an area that has the potential for wildfires, losing your home to their destruction and how you will recover is always a concern. Here are some things to know about how insurance works when it comes to wildfires. Insuring Against Wildfires It’s not always possible to avoid the devastation of a

Can I Get Earthquake Insurance? Is your home or business in an area that’s prone to earthquakes? If so, you may want to consider purchasing insurance that provides coverage if you have a loss due to earthquake activity. In order to qualify for earthquake insurance, you must have an existing homeowners, renters, or business insurance

Who doesn’t like a little R&R? Everyone needs a getaway — and sometimes, a trip in an RV can be just what the doctor ordered. Some folks even make the getaway their everyday, living full-time in their camper. In fact, more US households own an RV than ever before — over nine million! What’s more, most full-timers are

Most workers in the United States look forward to when they would be out of work and retired for good, going on holiday trips, spending time with family, and doing things they never had the time to do when they were working full time. But the real challenge, which turns out to be a scary

Worker’s Compensation insurance coverage plans are held by an employer to protect employees and themselves in case ofillnesses and injuries related to the job. The Worker’s compensation insurance is set out to duly compensate employeesand eliminate the liability risk for employers. They are required in most states for businesses with one or more employees. In some states they are required for at least 3-5 employees and only

As long as the fountain of youth has not yet been discovered, we are not going to live forever. No matter how hard we try to ignore it, fact is that we all some day will face death and most likely leave loved ones behind. A life insurance ensures that the loved ones we are leaving behind are going to be fine and abler to maintain their existing lifestyles.  Some people do

In insurance, a deductible is the amount that an insurance holder will have to pay out of own pocket before the insurance company will contribute payments to a claim. For a 10% deductible insurance plan which has a $1,500 minimum value and also has a value of $5,000 as maximum, an insurance claim of $20,000 would incur 10% of the loss as out-of -pocket deductible, which is

The importance of business insurance cannot be overemphasized. No matter the size or location, every business is exposed to certain risks. From the moment your business kick starts activities, the right insurance policies need to be put in place. Small businesses are often more vulnerable to risks than bigger firms. A single legal battle or one accident can be enough to cripple a small business before

Recreational Vehicles are viewed by many as one of the best ways to travel the country comfortably as they come with almost everything you would need in your home for comfort. You can even customize your recreational vehicle to look any way you wish by integrating extra features into it. There are three major classes of

Liability Insurance which, is also referred to as third-party insurance, is an insurance policy that protects the insured party from claims that have to do with injuries afflicted on people or damages to property. This policy covers all pay-outs and costs that are legally valid that the insured party is responsible for.  This liability insurance is important to

If you want to buy a homeowners insurance policy, you have a big decision to make, and that is to choose between; cash value, replacement cost, and reconstruction cost. Making this decision is very important, yet many people don’t even know the difference.  Actual Cash Value  Just like the name implies, the actual cash value is the actual

Over the past years and decades, so many geographical areas in the United States have proven to be very prone and susceptible to various natural disasters such as earthquakes, floods, hurricanes, mudslides, tornadoes, wildfires and so on; thereby leaving homeowners with the grieving burden of loss of lives, properties and other valuable personal belongings. Reports and statistics have

A non-renewal of a homeowner’s insurance policy is a situation where either an insurance company or a policyholder decides not to renew a policy after it has expired, due to one reason or another. An insurance company can decide not to renew a policy because of a variety of reasons. Some of these reasons could be

With lawsuits flying up and down around America, getting an umbrella policy to help cushion or protect against excessive financial loss from unforeseen events such as a car accident, or an accident on or within your property, is very important. An umbrella policy is an additional liability insurance policy which protects you and your assets

No one looks forward to disasters happening or befalling them or their property, but these are events which actually tend to occur, and it is best to have a back-up measure in place to subdue the damage being done. This is why insuring your home or property is not just an option, but a necessity.

Summer was hot, great and awesome, but Fall is in full swing now, which means that the inevitable Winter months are upon us. This also means that it is time for homeowners to start making initial efforts and plans to prepare their homes for the cold, rainy, frosty and snowy days coming in the horizon.