This Valentine’s Day, Insure Your Jewelry!

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…

Open Enrollment Ends 2/15/15

Health insurance open enrollment ends this weekend, on February 15th 2015. If you are currently uninsured this is the deadline to enroll for coverage effective 3/01/15. Remember, it is now the law to carry health insurance. Covered CA is our State’s exchange to apply for coverage that can provide financial assistance if you qualify. It…

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…

Introducing Mercury Insurance

As independent agents are always looking for ways to grow and expand our product and carrier offering to better serve our clients. We recently became appointed with Mercury Insurance and are excited to begin working with them! Mercury Insurance is a regional carrier with heavy roots in California. They write personal & commercial auto insurance,…

Do You Have Enough Coverage to Rebuild Your Home?

Imagine how devastating it would be to lose your home in a fire. Now imagine not being able to rebuild it completely because you didn’t have the correct amount of insurance. Seeing a firefighter enter your home is definitely worst-case scenario; but we are here to explain why having accurate and comprehensive homeowner’s insurance is…

New Years Travel Advice

Millions of Americans will do some traveling this New Year holiday- 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 the Lake Tahoe area. At Gene Morgan Insurance, we’d like to help you not only enjoy your…

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…

What to do After a Major Water Leak

In the San Francisco Bay Area we are currently undergoing a sever rain storm.  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 from inside…

Decorate Safely this Holiday Season

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…

5 Tips for Deep Frying a Turkey This Thanksgiving

Those in California who have tasted deep-fried turkey usually say there’s simply no comparison to an oven-roasted bird — turkey out of the fryer is moist, with crispy skin and a beautiful color. And, it cooks much more quickly than a turkey in the oven, which means you don’t have to wait for hours on…