We know that decorating for Christmas is fun and festive; but before you climb on the roof to string your lights, know that about 12,500 injuries occur every year due to Christmas lights and decorations. Along with injuries, Christmas decorations also cause millions of dollars in property damage during the holidays. Be safe when decorating…
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 Southern California. At Gene Morgan Insurance, we’d like to help you not only enjoy your…
In today’s economy, everyone is pinching pennies. So why worry about umbrella coverage? Shouldn’t a home and auto policy leave you adequately covered? Unfortunately, we live in a world of lawsuits. Large damages can be awarded, be extremely expensive and have long-term financial impact. Those lawsuits can come from unlikely sources, such as our furry…
Smart parents can ensure a safe Halloween by accompanying small children around the neighborhood. If children are old enough to explore the neighborhood on their own, advise them to visit homes where they know they’ll be welcome. If the house is dark and uninviting, tell the kids to stay away. Parents should also leave the…
We admit it: As insurance pros, our picture of winter isn’t exactly cozy. Winter storms mean traffic snarls, hillsides turning to sheets of ice, and cars sliding around like hockey pucks. Cold temperatures can cause pipes to burst, frost swells and other damage. Heating your home with fireplaces and holiday lighting can increase the risk…
In today’s unsettled economy, many people are looking for ways to stretch their money—but sometimes this includes altering insurance coverages to dangerously low levels or eliminating coverage entirely. If you’re thinking about changing your coverage to save money, consider these key issues below — and give us a call. We can help make sure you’ve…
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…
We’re independent insurance agents. We have the freedom to find you the coverage you need at the lowest possible premium. Complete coverage for individuals and families – auto, homeowners, renters, boats, motor homes, health and life insurance. Complete coverage for your business – business property, liability, workers comp, professional liability, bonds, marine, farms, trucking, accident…
The economic downturn has had numerous effects on our country. One of these is the increase in uninsured motorists on the road. According to new estimates from the Insurance Research Council, one in seven drivers in the United States are uninsured. Despite the fact that many states have laws requiring drivers to maintain insurance, the…
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…
