Articles on everything you would like to know about everything insurance related.
A question on all of our minds is how much is our Sacramento auto insurance going to be? Especially if you live in beautiful Sacramento. Sometimes beauty comes at a cost and for Sacramentans that cost is traffic. And with traffic comes higher car insurance rates. Sacramento currently ranks #8 out of the top 50 […]
As business owners, we’re always looking for ways to cut costs, save money and improve ROI. There is one area you should never cut a corner on and that’s workers compensation insurance. We understand that you may feel as if it’s unnecessary or just not important. Maybe no one has ever been injured or suffered
What happens if you don’t have workers compensation insurance? Read More »
When it’s time to file your claim to the auto insurance company, it’s important to think about what you’re saying before you actually say it. In conversation certain things can be taken out of context and saying the wrong thing can turn what should be simple call into a drawn out nightmare. When an insurance
What should you not say to an insurance adjuster? Read More »
When you’re shopping for life insurance you want to know what is and isn’t covered. Especially when it comes to the most important aspect of the policy, death. If your friend or loved one unfortunately passes away you’re going to want to know the ins and outs of the policy guidelines and exclusions. Term life
What kind of deaths are not covered in term life insurance? Read More »
Auto insurance rates are determined by numerous factors, including driving history, location, and type of vehicle. On top of that, every car insurance company grades those factors differently. Resulting in different rates from one insured driver to the next. Ever wonder why your friend got a lower rate with an insurance company than you were
The first thing you want to check to make sure your vehicle is covered in the event of theft, is if your policy includes comprehensive insurance coverage. If you have comprehensive coverage typically your car is covered in the event of theft. Comprehensive will also covers the replacement of stolen parts (only certain ones, please
What is comprehensive car insurance? It’s an optional auto insurance coverage. It will cover your vehicle against damage that is not the result of a collision or theft. Comprehensive insurance will cover damage to your automobile caused from vandalism, rockslides, & fires. Some of the features not typically included in comprehensive car insurance coverage are
Auto liability insurance; a type of auto insurance coverage required in the majority of states by law. If you’re involved in an accident and determined to be at fault, you are liable for the accident. Liability coverage will help you pay for the other person involved in the accidents expenses. Liability coverage comes is going to come
A certificate of insurance or certificate of liability insurance (COI), is a simple form that is issued by an insurance company. Details shared will include the types of coverage, insurance company issued, policy number, named insured, policy effective dates, & the types and dollar value of the limits & the deductibles. Do I need a certificate of
So, what is and isn’t covered in most homeowners insurance policies? Most homeowners insurance policies cover damage from fires, windstorm, hail, water damage (excluding flooding), riots & explosion. Other potential causes of loss included, theft and the extra cost of living elsewhere, due to the structure being repaired or rebuilt. Please keep in mind, not
Which area is not protected by most homeowners insurance? Read More »