Swimming Pool Safety Tips

Summer is well underway, and with the warm weather comes fun in swimming pools! Before you allow children and families to swim in the pool in your backyard, please take these pool safety tips into consideration. General Pool Safety Enclose with a 4 foot fence around all 4 sides. Enclose your pool or spa area…

Top 10 Ways to Save on Auto Insurance

Looking for ways to save money on your auto insurance? Read below for the top 10 ways to save! SHOP AROUND. All companies have different rates for your location, type of car, and driving history. Some cater to clean drivers, some have better rates for drivers with activity on their record. Make sure when your…

Don’t Think You Need Life Insurance? Think Again!

Top prospects for life insurance are: Newly married couples who depend on each other’s income. Families taking on new debt or a larger mortgage. Parents with young children or a new baby. An adult child whose elderly parent depends on him or her for care. Divorcing couples who need to replace alimony or child support….

Gene Morgan Insurance Donates $10,000 to Local Schools

Last fall our agency, partnered with Safeco Insurance, donated $10,000 to the Livermore Valley Education Foundation. The money will be used this upcoming school year specifically for the music programs. All our employees attended a weekly school board meeting to shake hands with all the school board members, so they could thank us for our generous…

What is the Value of An Independent Agent?

WE DO THE SHOPPING FOR YOU! Insurance agents are trained and licensed professionals who dedicate their career to helping people with their insurance needs. They offer knowledgeable advice and guidance for all their client’s insurance needs; whether it be home, auto, life, health, or business insurance. Independent agents are a one-stop shop for all insurance!…

10 Ways To Save On Home Insurance

Looking for ways to save on your homeowner’s insurance? Read the top 10 ways to save below! SHOP AROUND. At your renewal be sure to get quotes from multiple companies. An independent agent can provide rate quotes from multiple companies. Every company has different rates in every area. INCREASE YOUR DEDUCTIBLE. Typically, home insurance deductibles…

Remodeling Or Updating Your Home?

Whether you are adding solar panels, or creating your own mystery house, don’t forget to update your insurance when you have upgraded your home! There are so many things to think about when you are a homeowner and sometimes things slip through the cracks. Maybe you have installed an alarm system, replaced your roof, or…

Play It Safe This Summer!

If you’re going to train your dachshund to drive your boat, you should know these facts first….. Personal watercraft are not generally covered by homeowners or auto insurance, and where they are, the coverage limits can be fairly low. You may need to purchase a specifically designed policy in order to insure these vessels. The personal…

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…