Porch Lights and Home Security

With Halloween this weekend, it is an important reminder to practice proper porch light safety! With trick or treaters out tomorrow it is important to remember to keep your porch lights on if you are handing out candy, and keep your porch lights off to notify families that you are not participating. The Light Side…

Medicare Open Enrollment is Now!

Medicare open enrollment began last week and ends on December 7th. Now is the time to review and change your plan; or enroll if you already 65 and have not done so yet. Contact us today for your free review of your Medicare options. Our agency has a dedicated Medicare certified agent: Christine Wuttke (925)…

Why Are You Experiencing an Earthquake Insurance Premium Increase?

California Earthquake Authority (CEA) adjusted their rates over a 3-year period beginning 7/01/2019. This includes rate changes again on 7/01/2020 and 7/01/2021. With this rate change, according to CEA many policy holders will experience no change, or even a decrease. According to their data, only 15% of policy holders should see an increase. We have…

Food Safety Tips in Power Outages

The San Francisco Bay Area is yet again under warning from PG&E that we may face rolling blackouts to prevent fires due to high winds and high temperatures. Below are some tips and guidelines for food safety should you be without power for a long period of time. Power Outages and Food Safety: Toss it…

7 Reasons Why We Should be Your Insurance Agent!

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…

When Water Goes Where it Shouldn’t, are you Covered?

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…

Paying too Much for Earthquake Insurance?

Many homeowners in California are unaware that there are options for earthquake insurance; you are not obligated to California Earthquake Authority only. There are many other private insurance companies that offer earthquake insurance, and often times it is less than HALF as much as CEA! You read that right. In many areas in California, the…

Are you Protected by Wildfire Defense Systems?

In California, there are a few insurance companies that automatically include enrollment into a Wildfire Defense Program in designated high-risk wildfire locations for their homeowner’s insurance policy holders.  The program can provide crews to remove overgrown vegetation, fuel tanks or trash from the property. They may also use temporary sprinkler systems or fire engines and,…

Is Your Teen Ready to Drive?

Your teenager will soon be driving—a major milestone for both of you. You and your teen may be experiencing all kinds of emotions, ranging from excitement to concern. As a parent, this is a great time to proactively take steps to help minimize the risks when your teen starts operating a motor vehicle. Can my…

Why a Home Inventory is Important

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…