Archive for the ‘Home Insurance’ Category

Earthquake Safety

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 [...]

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Hand-Held Cell phone use in California Prohibited

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.

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Can I reinstate my Car policy after it cancels?

My car policy cancelled, can I reinstate it?
Well, it depends on the company.  But, most companies will reinstate your car, motorcycle or home policies with a lapse.  Each company has there own guidelines.  You will need to talk to your agent and ask if you qualify for reinstatement.

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How professional are you with your insurance agent?

An insurance agent does a lot of work to verify a quote.  Why, because he or she has to be accurate.  Of course, the quote is based on the information you provide.  Does the agent order reports?  NO, not before he has an appointment to write the policy.  The reports cost money and the agent [...]

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Insurance-How important is it?

There are all kinds of insurance. There are policies for cars, motorcycles, homes, life and health insurance. I will primarily discuss personal lines insurance. There is also insurance offered for business and more.
Is it important to have insurance?
Thats a wide open question. We have a need to insure against a liability and to protect our assets. [...]

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Winter Freeze Checklist for your Home

Winter is upon us and if you live in cold areas you need to winterize your home.  The following is  a checklist to protect your home from below freezing temperatures.

Shut off house stop and drain valve.  Make sure the valve is completely shut off.  This will turn off the water supply to the home and [...]

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You like your Insurance company, But not your Agent.

I received a call today.  The caller expressed to me that she didn’t like her insurance agent and wanted a new home insurance quote.  I asked what insurance company are you currently with and who is your agent?
She told me her agent did not process a mortgagee change months back and her current mortgage lender [...]

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California Insurance Questions and Responses

I would like to invite anyone with questions for California insurance to email us your query. 
We are actively seeking people who have questions concerning California insurance.  We write weekly articles on questions or concerns for California residents.

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Retired: California insurance tips

Retirement years bring a lot of new surprises.  Although, your body may not react the same way, your insurance should be a source of some comfort. 
There are many discounts for retired people on car, home and other insurance.  Not only are there discounts for having multiple policies with one company, there are discounts for your [...]

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California insurance Articles:Consumer Information

Today, I’m writing about my past articles.  These articles are written for you, the California consumer.
The article on Wild Fires in California let everyone know how important it is to have a knowledgeable and personal agent.  I wrote about agents who are brokers versus captive agents and what it means to you.  Another article titled, [...]

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