As we get closer to summer, boat owners should all be assessing their insurance needs if they do not carry boat insurance already. If you have a boat, you need boat insurance. Some people assume their homeowners’ policy is all they need to protect their boat. Not true. Typically, homeowners policies limited coverage for boats…
As the weather gets warmer outside most motorcycle riders are beginning to ride more often. Now is the best time to review your motorcycle insurance to make sure you are properly covered! In addition, please take note of the below important safety tips to keep you safe on the road! Nine out of 10 motorcycle…
Two weeks ago our agents Marnie & Michelle attended the 2012 Agribusiness Conference in Sacramento. The conference is a unique opportunity to learn about the farm and agricultural industry; network with agribusiness insurance professionals and to earn the Agribusiness and Farm Insurance Specialist Designation (AFIS). The AFIS designation is the foremost professional designation for specialists…
1. Insuring a home for its real estate value rather than for the cost of rebuilding. When real estate prices go down, some homeowners may think they can reduce the amount of insurance on their home. But insurance is designed to cover the cost of rebuilding, not the sales price of the home. You…
You’ve seen them on the roads; you might even know a few of them. And you could be one yourself. Distracted drivers in come in all shapes, sizes, ages and experience levels. Even if you’re not one today, you could become one at any moment — in the time it takes you to answer your…
A client of ours recently was involved in an unfortunate accident which has really reinforced our belief that most of our clients need an umbrella policy to protect their financial future. Most of our clients are unaware that standard limits on a homeowner’s or auto policy may not be enough!! If you are ever sued,…
Recently we have been seeing more water claims than ever! Because of this new trend, we want to pass on some helpful information for water claims as well as tips to help you protect your home to avoid a loss. Most insurance policies provide coverage for water damage that can be described as “sudden and accidental”…
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…
Do you own or manage a small business, or are you thinking of starting one? One of the most important things to consider is the insurance coverage you will need to accurately cover your business. It is important to remain properly protected while keeping premiums down. Below are the 4 most important policies most small…
