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…
Every fall, college students head back to campus and the things that travel with them get more sophisticated. It’s important to understand the limits of your property coverage that will follow your student to college, whether its across the state of across the country. Personal Property Students find very creative ways to fill their living…
For many of our neighbors in Livermore, summer means more than sunshine and vacations. It also means working in the yard – often with tools that can be dangerous if not used properly. Each year about 400,000 people are treated for injuries from lawn and garden tools, according to the U.S. Consumer Product Safety Commission…
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…
In today’s unsettled economy, many people are looking for ways to stretch their money—but sometimes this includes altering insurance coverages to dangerously low levels or eliminating coverage entirely. If you’re thinking about changing your coverage to save money, consider these key issues below — and give us a call. We can help make sure you’ve…
Most people have an idea of what’s covered and not covered under their various insurance policies. But at Gene Morgan Insurance Agency, we get a lot of questions about borrowing or loaning a car. Anytime you might be looking to borrow your neighbor’s truck for a home-improvement project, or borrow a friend’s car if yours…
The economic downturn has had numerous effects on our country. One of these is the increase in uninsured motorists on the road. According to new estimates from the Insurance Research Council, one in seven drivers in the United States are uninsured. Despite the fact that many states have laws requiring drivers to maintain insurance, the…
As you head out on vacation this summer, we recommend taking the following preventative measures to keep your home and personal belongings safe: Keep your home well-lit. Mount exterior lights in your yard or on your house so that they are out of reach of would-be burglars. Put indoor lights on a timer. Make it…
Even a small leak can become a major problem, so knowing what you’re covered for and how to prevent water damage are equally important. The below tips should help uncover any potential water problems down the road and keep your property dry. Check appliance hoses. Standard hoses are not as durable as they…
Buying a new car is an exciting time — but it can also be stressful. After all, you’re trying to get the best deal on price, while also deciding on the make, model and features you need. Here at Gene Morgan Insurance Agency we can’t really help you become a master negotiator when it…
