I’m borrowing my friend’s car … am I covered?

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…

What to Do After a Major Water Leak or Indoor Flood

In California we have been experiencing heavy rain over the past week or so. We thought now would be a great time to remind people what to do in the event of an emergency water leak or flood. Follow these steps in the event of an emergency: 1. Stop the Water If water is coming…

Why Everyone Needs an Umbrella Policy

If you are ever sued, your standard homeowners or auto policy will provide you with some liability coverage, paying for judgments against you and your attorney’s fees, up to a limit set in the policy. However, in our litigious society, you may want to have an extra layer of liability protection. That’s what a personal…

Have Expensive Jewelry? Schedule it on Your Homeowners Policy!

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…

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…

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…