Tag Archives: home insurance

California – 3rd Highest Homeowners’ Insurance

According to Property Casualty 360, California is the third highest state for homeowners’ insurance costs in the Nation. The median homeowners’ insurance policy is $1,678 a year.

Insurance costs vary widely depending on the risk and the location. California is no exception to this. Areas vary from rural farm, to mountain towns, to large cities, and beach front property.


If you want to see a list of the highest and lowest homeowners’ insurance rates by State, check out:


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.

Turlock and Tornadoes: We’re not in California Anymore

By Patrick Ramsay

There’s no place like home, so when you hear the unlikely weather warning for tornadoes in your area, it’s natural to worry. While it doesn’t seem to be an ever-present risk for most of California, no state is safe from tornadoes. Most recently, a tornado touched down in Denair, California, and caused structural damage to multiple buildings. Not much can be done to prevent damage to your home before a tornado, but preventing further damage and injury after it has occurred is in your hands. Recovering after a tornado requires much more than clicking heels together. A large portion of injuries from tornadoes actually take place when people begin to clean up and recover from the wreckage. So, what can you do to ensure your safety and ease your recovery after a tornado?

Photo by David Carrillo

Photo by David Carrillo

Proceed with caution. Being aware of any structural and electrical damage could save your life and your home from any further harm. If you believe your home has been damaged, turn off electrical power, natural gas and propane tanks as a precaution. This allows you to assess the damage to your home while avoiding the possibility of fires, electrocution, and explosions. Avoid using the lights in your house until you’re sure your electrical power hasn’t been damaged. Avoid downed power lines and objects in nearby puddles of water as there may be live wires in the area. Report downed power lines to your local authorities and the utility company.


Dress for the part. Wear sturdy boots, pants, long sleeves, and gloves while you’re working through the wreckage. Tornadoes leave a trail of dangerous debris in their wake. Be weary of broken glass, exposed nails, and spilled chemicals and flammables. Use battery-powered lanterns and flashlights rather than candles to avoid further risk of fire.


Be prepared. The Federal Emergency Management Agency suggests building a Safe Room for your home to provide near-absolute protection for you and your family in the event of a tornado. While some people may have the option of building a Safe Room, not all are so lucky. There are plenty of precautions that can be taken and preparations that can be made to aid in your recovery from a tornado. Building an emergency disaster supplies kit with 72-hours worth of food, water, and supplies could mean the difference between life and death. Because you can’t be certain where you’ll be when a tornado touches down, it’s wise to have a disaster supplies kit at home, work, and in your vehicle.

Tornadoes are a ruthless force of nature. With winds up to 300 miles per hour, it’s vital prepare yourself with the knowledge today to ensure safety for you and your property tomorrow.

Remodel, Flipping, or Vacant Home Insurance

Do you have a vacant house or vacant property? This could be because you are doing an extensive remodel or you are an investor who purchased the property as an investment and plan to resell the property.  A standard rental or homeowners insurance policy has exclusions built into them. These exclusions are specific to if a house is being unoccupied or is vacant. In other words, if no one is living at the property a claim that would normally be covered, is not going to be covered. So what are your options? You have a number of different options available but most common would be either a Builders Renovation or a Vacant Building policy. The Vacant Building policy will still cover smaller renovations being done, i.e. paint, carpet, flooring. The Builders Renovation policy is more for larger renovations or structural work, i.e. foundation, expanding, removing walls, adding walls.


If you are interested in getting more information or a quick proposal put together for your risk: