Still not sure if you need an umbrella policy?

Maybe these TRUE stories will help change your mind: An insured was a retired doctor with significant assets.  The sun was in his eyes and he made a left turn and struck a motorcyclist and killed him.  This insured carried a $250k liability policy with no umbrella.  The motorcyclist that died was a CEO of a…

Why Do You Need Uninsured Motorist Coverage?

Because it is protection for YOURSELF! So what exactly is uninsured motorist coverage? Uninsured or underinsured motorist coverage will pay for injuries to you and your passengers, and also damage to your vehicle, when there is an accident and the other driver is both legally responsible for the accident and is “uninsured.” An uninsured driver…

Smokey the Bear Says…

Only YOU can prevent wildfires! Now that we are approaching the dry summer months, we are at risk for wildfires! California has had the most costly wildfires in recent years. Read on to learn the facts of California wildfires, and how you can help protect your home! GET THE FACTS: In 2009 California had 405,585 acres burned…

Meet Your Agent, Ofelia!

Ofelia grew up in San Jose, California but her hometown is Patterson. She lives there with her husband of 17 years, her two children, and the family’s German Shepard. In her downtime, Ofelia enjoys listening to books on CD, country music,  listening to the rain, going for walks, and going to new places with her…

Everybody’s workin’ for the weekend

We know times are tough right now for teachers in California, but we have great news for you! You may be eligible for a discount on your auto insurance for being an educator. Some of our companies are giving discounts up to 13%!!! Amazing!!! Maybe you aren’t a teacher, well we have something for you…

In the summertime when the weather is fine….

It’s almost summer!!! That means it’s time to break out your boat, jet ski, RV, and ATV, and head up to the mountains or the lake and have some fun!! Before the fun starts though, you should make sure that you have adequate coverage for all of your favorite toys. If you are concerned that…

Meet your agent, Karla!

I was born in Costa Rica and moved to the United States at the age of five. I grew up in New York and moved to California in 1996. I have not been back to New York since I left as I absolutely love California! I am married and have a 17 year old son and…

What is an umbrella liability policy?

If you are ever sued, your standard homeowners or auto policy will provide you with some liability coverage, paying for judgements against you and your attorney’s fees, up to a limit set in the policy. However, in our litigious society, you may want to have an extra layer of liability protection. That’s what a personal…

Kokomo? Maybe next year…..

It’s almost summer!! That means luxurious vacations and adventures to exotic islands, right? Well, maybe for some of us, but most of us will work, go home and make dinner, and maybe go to a baseball game on the weekend.  Times are tough right now and it is becoming harder and harder to go on…