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…
4/18/2011 is the 105th anniversary of the tragic 1906 San Francisco earthquake. To mark this anniversary, the California Insurance Commissioner Dave Jones is calling upon California residents to update their emergency earthquake preparedness plans and asses their need for earthquake insurance. Based on recent data collected by the California Department of Insurance (CDI), about 90%…
The scene of a car accident can be scary and stressful, but if you know exactly what to do the whole process can go a lot more smoothly. Here are a few things to keep in mind: – If you are not at fault in an accident it is not necessary for you to get…
Last fall our agency, partnered with Safeco Insurance, donated $10,000 to the Livermore Valley Education Foundation. The money will be used this upcoming school year specifically for the music programs. All our employees attended a weekly school board meeting to shake hands with all the school board members, so they could thank us for our generous…
If you’re going to train your dachshund to drive your boat, you should know these facts first….. Personal watercraft are not generally covered by homeowners or auto insurance, and where they are, the coverage limits can be fairly low. You may need to purchase a specifically designed policy in order to insure these vessels. The personal…
While you might have a leg up on him in the kryptonite department, the unfortunate truth is that you should probably be prepared for the worst. Life insurance is inexpensive and relatively painless. You could potentially get coverage for around $20 a month! Don’t you think it is worth it to protect your loved…
We know times are tough right now for teachers in California, but we have great news for you! You may be eligible for a discount on your auto insurance for being an educator. Some of our companies are giving discounts up to 13%!!! Amazing!!! Maybe you aren’t a teacher, well we have something for you…
I was born in Costa Rica and moved to the United States at the age of five. I grew up in New York and moved to California in 1996. I have not been back to New York since I left as I absolutely love California! I am married and have a 17 year old son and…
If you are ever sued, your standard homeowners or auto policy will provide you with some liability coverage, paying for judgements 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…
Diane moved to Livermore in 1996 with her husband and has been with Gene Morgan Insurance for 7 years. She is a personal and commercial lines agent, but also specializes in life insurance. So let’s get to know the real Diane…. On a nice day you would probably find her walking her miniature schnauzer, Baxter, taking a leisurely bike…
