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…

Don’t Get Soaked!

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…

Water That Christmas Tree!

A real tree in your home can be a fire hazard, and even more so if it goes unwatered. Always keep your tree safe and clear of any decorations that can spark a flame near your tree, such as candles and other hazardous decorations. According to the National Fire Protection Association (www.nfpa.org), there are an…

Over the river and through the woods in California…

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…

The gift of time could be the best gift of all this holiday season!

For many, the holiday season is a time for celebration and fun with loved ones. But for others in the Tri-Valley, the season can be one of the loneliest times of the year. At Gene Morgan Insurance Agency, we know how precious the gift of time can mean to someone in Livermore during the Holidays. Here…

Making Smart Savings Choices

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…

September is Life Insurance Awareness Month

Did you know that September is Life Insurance Awareness Month? With that in mind, we’re gonna lay some cold hard facts on you about life insurance. 7 in 10 American households with children under 18 would be in jeopardy if the primary bread-winner died. 30% of U.S. households (35 million) have no life insurance protection at all….

Back to School Advice for Empty-Nesters

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 living…

6 Tips for Choosing An Independent Agent

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…

When Things go BOOM in the Night – Fireworks Safety

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…