California Insurance Guru

I have not written a post in a couple of months, not because I’m on vacation or ill, but because I haven’t received any questions about insurance from my viewers.

I have not written a post in a couple of months, not because I’m on vacation or ill, but because I haven’t received any questions about insurance from my viewers.

First thing to do is talk to your insurance agent to determine if you have the right coverage for your risk, (car, home or ?).  Once you determine what coverage is needed adjustments should be made to meet your budget. Raise your deductibles.  Doing so can reduce your insurance premium by as much as 40%. Insure both your […]

Insurance companies are closely watching the fires and high winds in Southern California.  Currently, there are three major fires, they are known as the Tea Incident, Sayre and Freeway Complex blazes. Orange, Los Angeles, Santa Barbara, Riverside and San Bernardino counties are the areas that have been affected.

Insurance companies are closely watching the fires and high winds in Southern California.  Currently, there are three major fires, they are known as the Tea Incident, Sayre and Freeway Complex blazes. Orange, Los Angeles, Santa Barbara, Riverside and San Bernardino counties are the areas that have been affected. Most major insurance catastrophe teams have been put on […]

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.

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. The Federal Trade Commission states that Identity fraud […]

Term life insurance is more affordable than any other type of life insurance.  Term life has no cash value.  There is no savings program associated with it.  You can compare it to renting a house.  You own nothing.  If you stop making payments it terminates. 

Term life insurance is more affordable than any other type of life insurance.  Term life has no cash value.  There is no savings program associated with it.  You can compare it to renting a house.  You own nothing.  If you stop making payments it terminates.  Whole life policies are cash value policies.  There is a […]

No! An agent who represents several companies will charge a broker fee.  The broker fee is non-refundable.  Now, don’t get me wrong, if the agent makes a mistake and you need to cancel the policy before it goes into effect, you should get the broker fee returned.  Keep in mind, all agents aren’t going to […]