Tag Archives: turlock insurance

Personal Injury – Homeowners Insurance

In today’s world of social media and online presence, by everyone in a household, it is important to make sure we are careful when sharing on the internet. Sites such as Yelp, Google +, Facebook Reviews, etc. encourage us to share our positive and sometimes not so positive experiences.

What does this have to do with insurance?

It is becoming very common for a business or person to file a lawsuit against someone for libel/slander. Example, A student posts something negative on Facebook about one of their teachers. The news spreads and the teacher ends up being fired and harms the teachers reputation. Whether, the information was true or false the teacher could possibly bring a lawsuit against the student/student’s family.

This family may have coverage to defend themselves against this lawsuit, IF they have personal injury coverage on their homeowners or renters insurance policy.

A standard homeowners insurance policy does not come with this coverage. The Personal Injury endorsement to a homeowners policy is one major add-on that is a must.

 

Find out if your policy has personal injury coverage: http://www.turlockinsurance.com/contact-us/

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:

http://www.propertycasualty360.com/2017/02/22/10-states-with-the-highest-and-lowest-homeowners-i?eNL=58adabd9160ba0364354867f&utm_source=PC360_NewsFlash&utm_medium=EMC-Email_editorial&utm_campaign=02222017&page_all=1

Mini Storage/Self Storage: Insurance Tip

One of the most overlooked coverage’s on self storage/mini storage companies insurance policies, is also one of the most crucial.

Customer Goods and Sale/Disposal Liability

This coverage is a must for self storage companies to have on their insurance policy. While most proper insurance packages will include this coverage, it is important to consider having higher limits as it may be a great return on your investment.

Recently, we were working with a client that felt they only needed $100K for both customer goods and sale/disposal coverage. We provided two proposals, $1m VS $100K, the difference was less than $100. That is 10X the coverage for only $100!

So, what does it cover?

Definitions courtesy of StorageFirst:
Customers’ goods legal liability coverage provides protection for an insured when they are legally liable (or alleged to have been liable) for damage to storage customers’ goods including property stored in the open.  For mobile self-storage operations, coverage extends to legal liability for customers’ goods off premises or in transit.  Defense costs are outside of the limit. No deductible applies to traditional self-storage accounts.  A $1,000 deductible applies to mobile self-storage and records/document storage operations.
Sale and disposal liability protects an insured for claims arising from negligent acts in connection with the lock-out, sale, removal or disposal of customers’ property. Typically, these claims occur when an insured sells the goods of a customer who is delinquent with regard to payment. The cost of defense is included. A $1,000 deductible per customer applies.

4 Reasons To Buy Dental Insurance Today

85 million Americans currently do not have dental insurance. This is at a time when tooth and gum pain is one of the leading causes of Americans missing work. Many people will not seek dental treatment because they’re afraid of how expensive it can be, which leads to more missed days at work. Below you will find 4 reasons you should look into dental Insurance today.

 

  1. The Waiting Period. When you first purchase a dental policy you can use it for cleanings and preventative care, but other more major services have a waiting period from 6 months to a year. So if you wait until you need it, you may have to wait some more.

 

  1. Having Insurance will make you more likely to go to the dentist. If you’re anything like me you don’t enjoy going to the dentist, and the $100 cleaning fee is enough to make me put it off to next year. If you already have dental insurance those cleanings are usually free and it’s only logical to use something you’ve already paid for.

 

  1. Your oral and overall health will improve. Regular cleanings and checkups will help keep your teeth and gums healthy. Not only can the dentist do a better job cleaning your teeth he can also identify future problems before they begin to bother you. Oral diseases not only cause mouth pain but can also be linked to diabetes and heart disease.

 

  1. It’s fast and easy to get enrolled. You can get a free no obligation quote at dental.insurecal.com or call me with any questions at (209)250-0269.

 

 

 

 

 

Basics of Your Personal Auto Insurance Coverages

Unsure of exactly what all of those numbers and coverage’s mean on your Auto Insurance policy?

Here’s a quick list and explanation of the basics:

BI/Bodily Injury Liability:

Covers bodily injuries that are caused by you/your vehicle to others

PD/Property Damage:

Covers the damage that you/your vehicle causes to other parties vehicle or property

UMBI/Uninsured motorist Bodily Injury:

Covers you and those in your vehicle if injured by an uninsured or under-insured motorist

UMPD/Uninsured Motorist Property Damage: (this coverage is when you do NOT have physical damage coverage)

Covers the damage done to your vehicle by an uninsured or under-insured motorist (only covers up to $3500 in damage)

CDW/Collision Deductible Waiver: (this coverage is when you DO have physical damage coverage)

Waives your deductible when damage was caused by an uninsured or under-insured motorist

Medical Expense:

Covers yourself and those in your vehicle when the accident is AT FAULT.

Comprehensive Deductible:

Amount that insured is responsible for if the vehicle is vandalized, stolen, etc (anything other than collision)

Collision Deductible:

Amount that insured is responsible for if the vehicle is involved in a collision