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…
With summer just around the corner, it’s a great time to start planning your RV trip. Whether you’re heading to Southern California or planning your getaway a lot farther from home, you’ll want to make the trip safely. At Gene Morgan Insurance Agency, we want you to travel safely too. Here are some great tips…
It has long been a myth that umbrella policies are only for high-net worth families and not necessary for most individuals. This notion is false as most people are at-first for claims and lawsuits that surpass their underlying insurance policy coverages. It is imperative that families with children, rental properties, watercraft, etc carry an umbrella…
There are an estimated 300 million firearms in U.S. homes. And, with a lot of guns comes the potential for a lot of gun-related accidents. So, ask yourself these questions to help prevent your household in California from experiencing one. How secure are my guns? Nobody — especially kids — should be able to access your firearms…
We have revamped our referral program for 2016 to include donations to local non-profits. For ever referral a client sends to our agency they will receive a $25 gift card to Starbucks or Target, and will donate $25 to a local charity! Donations in the first quarter of 2016 will go to the Valley Humane…
If you are ever involved in an accident or 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…
On Groundhog Day, it’s time to start thinking about spring. (Or time to at least hope that springtime is coming, anyway.) And whether Punxsutawney Phil sees his shadow or not, we here at Gene Morgan Insurance have you covered. Get ready for spring Although everyone thinks of cleaning when it comes to spring, there…
Attention friends & clients! We have decided to revamp our referral program for 2016. In the past we would send a $25 gift card to Target or Starbucks when a client referred a friend to our agency for a quote and held a monthly drawing for a $100 gift card to one lucky winner. In…
Our agency has been getting calls from clients requesting quotes for flood insurance on their properties in anticipation of California’s EL Nino. It is important to note that floods are not covered on a homeowner’s or commercial property policy and will always require separate insurance. Flood insurance is generally optional and more affordable than you…
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….
