Insurance Articles

Auto insurance is crucial in Sacramento, California, for several reasons, reflecting both legal requirements and practical considerations for vehicle owners and drivers. Here’s why having auto insurance is important: 1. Legal Requirement: In California, it’s legally required for drivers to carry auto insurance. Specifically, the state mandates that drivers have minimum liability coverage to help […]

Homeowners Insurance and Termite Damage: Coverage and Prevention Termites, despite their small size, can lead to significant structural damage, costing Americans around $5 billion annually for control and repairs. The question arises: Does homeowners insurance cover termite damage? Generally, the answer is no, with few exceptions. The editorial team at Bankrate, including licensed insurance agents,

The Subaru Outback, a new model that may appear to have steep insurance rates, is actually among the most cost-effective new cars to insure. This affordability in insurance extends to a wide range of vehicles, influenced by factors such as safety features and the costs associated with repair and replacement.  List of Most Affordable Cars

Bundling insurance policies through an independent insurance broker like Eugene C. Yates Insurance Agency can offer several advantages, contributing to both convenience and potential savings for consumers. Here’s why it can be a good idea:  1. Cost Savings Through Bundling Discounts When you bundle multiple insurance policies, such as homeowners and auto insurance, through an

Finding the best deals on insurance coverage through an independent insurance broker, such as Eugene C. Yates Insurance Agency, is attributed to several key factors inherent in their business model and operational approach. Here’s a detailed exploration of why independent brokers can often secure the most advantageous deals for their clients:  1. Wide Range of

Looking ahead to 2024, California’s home insurance landscape is expected to be influenced by several factors, including legislative changes, technological advancements, environmental considerations, and market trends. Here’s an overview of what California might expect regarding home insurance in the coming year:  1. Response to Climate Change and Natural Disasters California’s home insurance sector will likely

For Sacramento, California, the outlook for car insurance in 2024 is shaped by a blend of state-wide regulatory trends, technological advancements, demographic shifts, and evolving consumer preferences. Here are several key factors and trends that Sacramento residents might anticipate in the car insurance landscape for 2024:  1. Technological Innovations and Telematics The adoption of telematics

The easiest way to bundle commercial insurance coverage typically involves working with an insurance broker or agent who specializes in commercial insurance. Here are the steps you can follow: 1. Identify Your Needs: Determine the types of insurance coverage your business requires. This could include general liability, property insurance, workers’ compensation, commercial auto insurance, cyber

As of my last update in January 2022, Mercury Insurance offers a range of commercial insurance products tailored to various businesses. These may include: 1. General Liability Insurance: This coverage protects businesses from third-party claims of bodily injury, property damage, and advertising injury. 2. Commercial Property Insurance: Covers physical assets such as buildings, equipment, inventory,

Yes, a commercial insurance carrier can drop or choose not to renew your business coverage under certain conditions. This decision can be influenced by various factors related to the risk profile of your business, compliance with policy terms, and other considerations. However, insurance companies are required to follow legal and regulatory guidelines when canceling or