1. Know the difference between independent agents and other insurance agents or carriers. An independent agent represents a number of different insurance companies. In contrast, agents who represent large national companies only sell products from that carrier. A direct insurance company sells to you directly without an agent, typically online. An independent agent has the…
Take action to reduce damage. To reduce damage inside, look at your ceiling and walls to see what might fall. 1. Anchor bookcases and filing cabinets to walls 2. Secure ceiling lights, suspended ceilings and other hanging items to the home structure 3. Anchor water heaters and large appliances to walls using safety cables…
Every fall, college students head back to campus and the things that travel with them get more sophisticated. It’s important to understand the limits of your property coverage that will follow your student to college, whether its across the state of across the country. Personal Property Students find very creative ways to fill their living…
Even a small leak can become a major problem, so knowing what you’re covered for and how to prevent water damage are equally important. The below tips should help uncover any potential water problems down the road and keep your property dry. Check appliance hoses. Standard hoses are not as durable as they used to…
Whether you’re headed out on the road for a weekend drive or a longer vacation, there are some car trips we simply wouldn’t think of making without including the four-legged member of the family. Just as you make plans for a safe and comfortable trip for your family and friends, it’s a good idea to…
For many of our neighbors in the Bay Area, summer means more than sunshine and vacations. It also means working in the yard – often with tools that can be dangerous if not used properly. Each year about 400,000 people are treated for injuries from lawn and garden tools, according to the U.S. Consumer Product…
As we get closer to summer, boat owners should all be assessing their insurance needs if they do not carry boat insurance already. If you have a boat, you need boat insurance. Some people assume their homeowners’ policy is all they need to protect their boat. Not true. Typically, homeowners policies limited coverage for boats…
Imagine how devastating it would be to lose your home in a fire. Now imagine not being able to rebuild it completely because you didn’t have the correct amount of insurance. Selecting the proper amount of coverage is the single most important decision you can make with your Homeowners policy. Without it, you may not…
Open enrollment for individuals & families ends this Monday! If you miss the deadline the market will open again in the fall of 2014 for effective dates in 2015. Do not hesitate, sign up now! Enrollment is easy. Visit https://www.coveredca.com/ and click “apply now.” The only exception will be individuals who loose their current coverage through a…
Most people have an idea of what’s covered and not covered under their various insurance policies. But at Gene Morgan Insurance Agency, we get a lot of questions about borrowing or loaning a car. Anytime you might be looking to borrow your neighbor’s truck for a home-improvement project, or borrow a friend’s car if yours…
