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…
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…
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…
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…
Let’s try a little exercise: Can you list everything you own from memory? Didn’t think so. The fact is most people own more things than they realize. It’s easy to remember the cars, the computer, the TV. But what about that holiday china in the garage? Or every pair of shoes? All of it is…
Of all the appliances found in the home, the water heater and washing machine are the most likely to cause serious damage, and cost home owners a bundle. According to a nationwide analysis by Safeco Insurance, one out of every 10 water-damage claims can be traced back to a malfunctioning hot water tank or washing…
Millions of Americans will do some traveling this holiday season – the majority of it by car. Of course, winter weather creates a unique set of challenges on the roadways, whether you’re simply driving around in the Bay Area or headed to Lake Tahoe. At Gene Morgan Insurance, we’d like to help you not only…
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…
For most of us, the Fourth of July is a time to enjoy the company of family and friends, having fun and creating memories – whether at home or away in Lake Tahoe. But for some families, the holiday is a nightmare. Homes each year in California are damaged by wayward fireworks. Thousands of people are…
As the weather gets warmer outside most motorcycle riders are beginning to ride more often. Now is the best time to review your motorcycle insurance to make sure you are properly covered! In addition, please take note of the below important safety tips to keep you safe on the road! Nine out of 10 motorcycle…
