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…
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…
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…
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…
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,…
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…
We know how delightful a warm fire is in the winter months. Cuddling up with a cup of hot cocoa and reading your favorite book. However, as the temperature drops the risk of a house fire rises. Renters especially need to be aware of the coverage that they have for personal belongings since this is…
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…
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 the event of a sudden emergency such as a wildfire, you may have just minutes to gather your family and important papers, and get out of your house, possibly for good. Are you prepared? With preparation and practice, you stand the best chance of getting out with what you and your family need, and…
Call us at (925) 447-2565 or email us at save@genemorganinsurance.com to request for your free earthquake insurance quote!
