California Insurance Information

• Identity fraud occurs when someone uses the personal information of another without their consent.
• Identity fraud is becoming more common and continues to increase.
• Nearly 10 million people in the United States are affected annually.
• Personal records were either stolen, lost or compromised in the millions in 2005. (more…)
   

 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. (more…)

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 insurance. (more…)
   

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 policies with their agent.  (more…)

What is Insurance?

• Insurance is the pooling of money by many people to protect themselves from the risk of losses which may be difficult for an individual to withstand financially.

What is an Agent? 

• An Agent is an individual that solicits insurance for an Insurance company or companies.

What is a policy?

• A policy is a written contract of Insurance.

What is an Insured?

• An insured is the person covered on the insurance policy. (more…)
   

Identity fraud is wide-spread affecting even the little guy, the home owner.  I will list a few ways to better protect yourself.

• Lock your car when you leave it.
• Don’t leave packages or items in plain view through car windows.
• Never leave your wallet, money or identification in your car. (more…)
   

The California Office of Emergency Services offers these tips to help keep you safe and injury-free during an earthquake.

• In a High-Rise Building: Look for items that could fall, duck under a desk or table, move against an interior wall, and protect your head with your arms.  Do not use elevators.
• Outdoors: Move to a clear area away from trees, signs, buildings, or downed electrical wires and poles.
• On Sidewalk Near Buildings: Duck into a doorway to protect yourself from falling bricks, glass, plaster, and other debris. (more…)
   

That’s correct using a hand-held cell phone while driving will be prohibited by law in California effective July 1, 2008.  

Violators will be fined $20 for the first offence and $50 for each additional offence.

The only exceptions made are for 911 emergency calls and truck drivers. (more…)