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Real World Case Study – Personal Umbrella Insurnace

Nathan was on spring break and rented a car so he could meet up with his friends at Coachella.

As he was driving through the desert, strong winds began to blow dust causing decreased visibility.

On the same highway, Roger, a recent retiree familiar with these conditions, slowed his car below the speed limit for safety.

Nathan didn’t see Roger until it was too late. Roger’s car overturned on impact and he was taken to the hospital where he ultimately succumbed to his injuries.

Since Nathan was a listed driver on his parents’ policies, their standalone personal umbrella covered Roger’s medical expenses and ongoing litigation once their underlying auto was exhausted.

Claim: $875,000

This is a real world case study. Have you thought about an umbrella insurance policy?

Find out how a $100-300/yr policy could protect you, – (209)250-0269

Case Study from:

“Full Coverage” Auto Insurance

The term “full coverage” when referring to the insurance on your vehicle is very common. However, it is not a technical term. Full coverage can be misleading, as there are so many different coverage options on an auto insurance policy. When it comes to liability, how do you determine if you are fully covered?

For the most part “full coverage” is referring to physical damage on the auto insurance policy. This is the coverage that insures your vehicle for both comprehensive and collision damage. What? Lets break them down:

Comprehensive: Per IRMI comprehensive is the coverage under an automobile physical damage policy insuring against loss or damage resulting from any cause, except those specifically precluded. It covers losses such as fire, theft, windstorm, flood, and vandalism, but not loss by collision or upset.

Collision: Per IRMI collision is a form of automobile insurance that provides for reimbursement for loss to a covered automobile due to its colliding with another vehicle or object or the overturn of the automobile. This covers only damage to the automobile itself as “auto” is defined in the policy.

3 tips to save money on your insurance!

Lets face it, everyone wants to pay less for their insurance. Insurance is an expense that you only get something out of, if something bad happens. Insurance is expensive and it’s not getting less expensive. We don’t recommend lowering your insurance by having lower coverage’s, there are better alternatives.

Here are the 3 ways to save money on your insurance without cutting coverage’s:

1. Discounts

There are a number of discounts available that you may not know you are missing out on. The occupational discount is one of them. Most carriers provide a discount if you are a doctor, nurse, police officer, firefighter, paramedic, engineer, scientist, teacher, veterinarian, dentist, pharmacist, accountant, pilot, etc… Some companies provide a discount if you are a business owner, if you can provide a copy of your business license or a copy of your business insurance you may qualify for a discount. College degree, if you can provide a copy of your diploma you may qualify for a discount.

There are a number of discounts available and it will depend on what your insurance company has to offer. For example, Nationwide Insurance has a “SmartRide” program. If you opt in for the SmartRide program you get a discount. Nationwide sends you a small device that plugs into your vehicle and tracks your mileage for three months. After three months they send you a package to mail the device back. The multiple the mileage by 4 (3 months X 4 = 12 months) and determine your annual mileage. This locks in that mileage for the life of the vehicle. Not only do they offer a 5% discount just for opting into the program but depending on your mileage you may qualify for an even larger discount. Plus, you don’t have to have to worry about providing annual mileage again or having your miles increased on renewal. Your best bet is to get in touch with an awesome insurance advisor that can use their expertise to get you all of the discounts you deserve.

It will vary with each insurance company but most of the companies that insureCAL is partnered with offer all of these discounts. However, most companies have a maximum on discounts. I.e., if you qualify for the doctor, college graduate, and business owner discount you aren’t going to receive three discounts. Wouldn’t that be nice though!

2. Packaging

One of the largest discounts available is the “Multi-Policy Discount“. One of our insurance companies offers a 25% discount on the home insurance policy and a 20% discount on the auto insurance policy when they are both insured through them. On average that could save a family $500-1000/year or more… Those are huge savings!!!

There are some cases that you may have separate insurance companies but 90% of the time it is always best if all of your insurance is with one company.

3. Drive Less

The biggest rating factor on auto insurance is annual mileage. If you can cut back how many miles you drive, you can lower your reported annual mileage, which will in turn lower your insurance premium. Whether you have a long commute (more than 50 miles) or a short commute (less than 50 miles) carpooling may be one option to help cut back those miles.

These are just a few tips, there may be a number of other options not covered in this post. As always, the best tip we can offer is to partner with an insurance advisor that cares about you and has your best interests in mind. If all else fails, get in touch with us as we’d love to help.

How I Got Free Chipotle Catering For My Clients

by Dylan Delhart, Insurance Advisor @ insureCAL Insurance Agency

I LOVE CHIPOTLE! I mean who doesn’t. As crazy as it sounds I probably talk about Chipotle every single day. This summer they finally started a rewards program! It was the summer of Chiptopia rewards, and as soon as I heard about it I was ecstatic. The program ran from June to August and the rules were simple. Eat 4 burritos in a month and you get a 5th for free, make it to 8 burritos and your 9th was free, and if you could eat 11 burritos in 1 month they would give you a 3rd free burrito! It didn’t stop there, if you could eat 4 burritos a month for all 3 months of the promotion, they would give you another free burrito. If you could eat 8 burritos a month for all 3 months you would receive $20 in Chipotle merchandise. But the grand prize was greatest of all, if you could eat 11 burritos a month all 3 months you would get free catering! (a $270 value)

I wasn’t sure if I would be able to keep up, I would have to eat Chipotle at least 3 times a week. 4 days into the promotion I had already gone 3 times and earned my first free burrito! After about 20 visits to Chipotle I started to realize this was going to be easier than I thought. I was reaching my 11 burritos a month with many days left to spare. At that point I knew I was going to get the catering I just wasn’t sure how I was going to use it, until one day I was talking to one of my new clients about the rewards. She was an avid Chipotler like me, and wanted to be included in the catering. (I mean who wouldn’t) That’s when I decided I would invite all of my clients to a lunch at our office catered by Chipotle.

It was the best lunch ever! Chipotle gives you everything you need to set up your own private Chipotle restaurant! It was so popular with my clients we’re thinking about doing it every year! So all of you Chipotler’s out there give me a call! Let’s get your family covered properly and then let’s eat some Chipotle!

Vacant Home Insurance

by Patrick Ramsay

According the latest U.S. Census statistics, there are approximately 13 million vacant year-round homes in the United States. Just like occupied homes, these vacant homes must be covered, too. While it is tempting to skimp on coverage to save money, it is important to ensure you are fully covered so you don’t end up taking a loss when something does happen to your property.

Finding the right vacant property insurance can be quite a difficult task because a typical homeowners policy won’t cover the property after it is vacated. Whether you’ve moved out and haven’t found a buyer or are renovating your home, it’s vital to keep your property properly covered.


A few facts about vacant home insurance:

  • There is more risk associated with a vacant home than with one that is full of people because there is no one living there to take care of the home if something happens to it.
  • These homes are more likely to be broken into, vandalized, or damaged during a storm.
  • Intruders who enter the home may be hurt which may result in a liability claim against you.

When is a home considered vacant?

In most cases, homes sitting more than thirty days without people should have a vacant home insurance policy in order to be protected.


Whether you’re in between renters or you’re fixing up a house before flipping it, a vacant home is a liability you don’t want to let go uncovered. Contact one of our agents at insureCAL for a quote to find out how much your vacant property insurance policy will cost.

Disaster Recovery Plan 101

by Patrick Ramsay

A disaster recovery plan (DRP) is used to describe how an organization plans to deal with potential disasters. While it may seem straightforward, many factors must be accounted for. Disaster recovery planning utilizes an analysis of the whole business to gain an understanding of essential operations that must continue. DRPs consist of three basic parts: preventive measures, detective measures, and corrective measures. Preventive measures will try to keep a disaster from occurring. Detective measures are taken to discover the presence of any unwanted events. Lastly, corrective measures attempt to restore a system after a disaster takes place.


What factors determine your DRP?

The right plan will vary from one business to another based upon many different factors. Factors such as the type of business, the processes involved, and the level of security needed will help determine your unique DRP for your business. DRPs can be utilized for natural disasters and man-made disasters.

Why have a DRP? Some of the benefits of a DRP are:

  • Providing a sense of security
  • Minimizing risk of delays
  • Guaranteeing the reliability of standby systems
  • Providing a standard for testing the plan
  • Minimizing decision-making during a disaster
  • Reducing potential legal liabilities
  • Lowering unnecessarily stressful work environment

disasterrecoveryplanOne major component of a DRP is the call tree. A call tree is a telecommunications chain for notifying specific individuals of an event. These are especially helpful if an organization must reach key personnel after regular business hours and notify them of a problem. In order for a call tree to be successful, employee contact information must be kept up-to-date and employees should provide multiple ways they can be reached. In small or midsize businesses, call trees are typically carried out manually. In these cases, each person on the call tree contacts the next person on the list and that person contacts the next person until everyone on the call tree has been reached. The last person on the call tree calls the first person and the loop is complete. Once everyone is informed of a disaster, people can start fulfilling their specific duties within the DRP.

Most businesses are ill-prepared to handle disasters. Only about 50 percent of companies even report having a DRP, and of those companies that have a DRP, many have never tested their plans. Don’t let your business get caught in the dark in the face of a disaster. Develop a proper disaster recovery plan!

4 Long Haul Trucking Hacks

by Patrick Ramsay

Being a long haul truck driver presents many challenges. With hours of road ahead, and oftentimes, hundreds of miles between point A and point B, anything that brings more comfort or convenience to long hauls is important to utilize. Here are a few things we recommend.


  1. Podcasts: Named after the combination of the words “iPod” and “broadcast”, podcasts are digitally recorded radio or talk shows that are available online and can be downloaded on your mobile device. With hundreds of thousands of free podcasts at your fingertips, feeding your mind while you’re behind the wheel is easier and more entertaining than ever.
  2. Mini Fridge: Proper sustenance is of the most vital factors in having a good long haul. With a mini fridge, you can have access to fresh food right inside the cab of your truck. From ice-cold energy drinks to storing leftovers, a mini fridge will bring plenty of benefits to your long haul.
  3. Long Haul Trucker Seat Cushion: Anyone who has done a long haul can tell you sitting for several hours at a time can bring on incredible discomfort. This makes your choice of seat cushion incredibly important. A thick, well-designed cushion like the Long Haul Trucker Seat Cushion from Sharper Image will go a long way in making your trips easier on your body. A great seat cushion will allow you to sit for hours by virtually eliminating pressure points.
  4. Mobile WiFi Hotspots: Staying connected to the people who are important to you while on the road is an important part of keeping your morale up. While phone calls to loved ones are great, there’s nothing quite like talking face to face. With mobile WiFi hotspots, you can connect to the internet and use video chat, making the distance between you and your loved ones seem a bit smaller.

long haul

Long haul trucking is hard work, but with recent developments in technology, this demanding industry is becoming even more driver-friendly. What are some of your favorite long haul trucking hacks?

Beating the Heat with Xeriscaping

by Patrick Ramsay

While El Niño is set to bring some much needed water to California this year, it will not end the drought. According to the Association of California Water Agencies, no single factor is going to determine when the drought ends. With that being said, there are some ways the everyday Californian can do their part in conserving water while also boasting a beautiful yard. One of these ways is called xeriscaping. The term xeriscaping is derived from the Greek word “xeros” for dry and “scape” for a place or scene. It literally translates into “dry scene,” but it actually refers to a method of landscaping that includes mostly native, drought tolerant plants that reduces or eliminates the need for supplemental water from irrigation.


Staying green during a drought has never been more important. While many Californians are experiencing restricted access to water due to emergency conservation measures, they can still maintain the appeal of a well-cared for property through xeriscaping. One of the greatest immediate benefits of xeriscaping is that it saves money on water bills while also requiring a lower amount of maintenance. Not only does xeriscaping save money and time on maintenance, it reduces the amount of waste going into landfills.


The planting options for xeriscaping reach far beyond California. Drought tolerant plants can also come from places with similar climates to California, such as Southern Europe, North Africa, Western Asia, South Africa, and Australia. The exotic array of drought tolerant plants from other countries is often overlooked, but there are a growing number of resources and nurseries that are specializing in xeriscaping plants, the trick is finding the right plant to meet your style. Which plants will you feature in your xeriscape?


I didn’t buy a Powerball lottery ticket and here’s why:

Yesterday, a friend of mine was telling me that he was going to buy a Powerball lottery ticket on his lunch break. I thought about it and figured I’ll go spend $2 to be a part of the fun,”why not”. Then I began thinking about the consequences of publicly winning a billion dollars and here’s WHY NOT:

You can’t remain anonymous.

There are only 6 states that the laws allow you to remain anonymous. Since California is not one of those states, that is my 1st why not. The 6 States that allow you to remain anonymous are Delaware, Kansas, Maryland, North Dakota, Ohio, and South Carolina.

Your life will never be the same.

I love my life. Just the way it is. It might not be “perfect”, I might not have the money I want (and sometimes “need”) and there could be fewer bills, less cleaning and less laundry, but when you look at the big picture we all have awesome lives. Great friends of our choosing and great family-not always of our choosing. The facts, almost 70% of lottery winners end up broke after 7 years. Even worse, some have committed suicide after their lives were turned upside down.

You will never know who to trust.

People will come from everywhere to be your best friend. Yes, you have the friends you talked to everyday before you became a billionaire, but after a while of fending off all of those long lost high school friends you do not remember, you will begin questioning your closest friends. Are you certain they don’t like you even a little more now that you can take them to one of your three houses on Lake Como?


I enjoy walking to the grocery store while on the phone with a friend and not being bothered by anyone at that grocery store. I also enjoy that the craziest person posting pictures of my 3 month old baby on the Internet is my Mother. Most lottery winners have been robbed or attempted to be robbed. I am paranoid enough walking around with $122 cash in a $400 wallet. Let alone everyone in the country knowing I just won a BILLION dollars. You would need a compound, 24/7 body guards, and probably a moat around it all.

I wouldn’t trade all of those things for every rare, vintage Ferrari and Alfa Romeo, all of the houses in Italy, Greece, Switzerland, or for the court side seats at Wimbledon (or even the press box with John McEnroe commentating in it) Now, let’s all get out there and work towards earning the money we will feel good about spending and enjoying the awesome lives we get to live!