There’s a ticking time bomb in your Tri-Valley, CA house right now, waiting to strike when you least expect it. In fact, there might even be more than one. And each can cause thousands and thousands of dollars in damage. We here at Gene Morgan Insurance are talking about faulty appliance hoses, of course. Consider…
Although it may be hard to imagine preparing for winter storms today since it is still sunny and warm outside, now is the perfect time to “winter-proof” your home. Many winter-related disasters in your home can be prevented if you take simple precautions now in preparing your home for winter weather. An important part of…
Think home security in California. is still about bulky camera equipment and wires running all throughout your home? Think again. Today, things have changed quite a bit, and the playing field has been leveled. Advanced tools and security systems are more accessible and affordable than ever. (And installing them might get you a discount on your…
Thank you can’t afford life insurance? Think again. Term life insurance is actually much more affordable than most people know. It can cost as little as $12 a month for a healthy individual, depending on the term and amount. Most plans offer flexible payment options that can be helpful if your financial situation changes later…
Have you recently had important changes in your life? Now is the time to assess your current life insurance needs. Whether it be to protect your family or plan for retirement, there will never be a more opportune time. Important life changes that can chance life insurance needs: Marriage New Child New grandchild Divorce Remarriage…
When purchasing life insurance, the question really isn’t how much you need, but how much capital your family will need at the time of your death, which depends on two variables: 1) How much will be needed at death to meet immediate obligations? This amount takes into account all final expenses: uncovered medical bills, funeral…
Did you know that September is Life Insurance Awareness Month? With that in mind, we’re going to 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…
Your Bay Area household may be one of the millions this fall in which student athletes are dreaming of victory on their school playing fields. Of course, we here at Gene Morgan Insurance want to see them succeed, but we also want them to be safe. So, here are seven tips for students, parents and…
First things first: Do you really need to bring your tablet or laptop on your camping trip in Yosemite or another campsite in Northern California? Are you really going to watch a movie instead of looking at the stars? Check your email instead of roasting marshmallows? Work instead of play? Well, OK. We can’t stop…
The benefits of a life insurance policy are clear: the coverage provides financial protection against the death of a policyholder in the form of a payment to the beneficiary; and life insurance proceeds are not taxable income. However, it is important that you find the policy that best fits your situation. Here are six key…
