A standard homeowners policy includes coverage for jewelry and other precious items such as watches and furs. These items are covered for losses caused by all the perils included in your policy such as fire, windstorm, theft and vandalism. However, there are special limits of liability for certain items, meaning that the insurer will not…
Condo or Condon’t — Condo Insurance You’ve taken the plunge and opted for condo life. Now that the papers are signed, it seems like everything is taken care of for you—building maintenance, roof repairs, landscaping, insurance, etc. It’s time to relax because everything is covered, right? Not quite. The insurance policy provided by the condo…
Drafty windows. Leaky faucets. Dirty air filters. All are common issues and they’re not only annoying — they also cost you money in decreased energy efficiency and higher utility bills. Would you like to save $200 to $400 a year on your energy costs? That’s how much the U.S. Environmental Protection Agency’s Energy Star program…
Millions of Americans will do some traveling this New Year holiday- 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 the Lake Tahoe area. At Gene Morgan Insurance, we’d like to help you not only enjoy your…
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…
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…
