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Lets say you purchase a new golf cart to ride around in your neighborhood and perhaps across the street to a local golf course. Did you realize that home insurance…

                             California Recreational Vehicles Off Premises Whether you enjoy taking a ride on an ATV or seeing the beauty of the US one campground at a time, all recreational vehicles…

California’s MCCA has advised that refunds from our Auto Insurance No-Fault Reform Law passed in 2019, are on their way to California auto insurance consumers. Because the changes made by…

The price you pay for your homeowner’s insurance can vary by hundreds of dollars, depending on the rates, credits, and endorsements available by your insurance company. Here are some things…

With the passage of California’s auto insurance reform now becoming law, the immediate result will be a reduction in MCCA (California Catastrophic Claims Association) fees for all insured drivers. That…

Yes, you DID just fill out a bunch of paperwork a few months ago for your auto insurance renewal, and it is time to do it again! When the California…

We get it – we aren’t a ‘coastal state’, and that is why in California, flood insurance isn’t talked about much; except when required by a Mortgage Company for those…

We all know that our credit history affects the interest rate we pay for credit cards, home mortgages and auto loans, and that a low credit score can even be…

Rental homes have become quite controversial in small towns and communities here in Northern California. Why? Because where one person sees increased traffic, unknown neighbors and events; another sees profit;…

  Last summer, I wrote about the California No Fault Auto Insurance Reform law right after it had been signed into effect. Since then, insurance agencies throughout the state have…

  Yes, that’s not even a word, though it does make you envision a topic we run into often in Northern California — frozen pipes. Does your home insurance cover…

The question of ‘who is an insured’ doesn’t seem complicated, until a claim is denied by your insurance company due to their decision that someone is simply ‘not an insured’…

You swerve to miss a deer and end up in the ditch causing damage to your vehicle from the impact; or perhaps you pull off the side of the road…

Yes, we know that adulting is hard, and that sometimes parents hold on too long and too tight when a child needs to take responsibility and do the ‘adulting’ thing.…

You start a load of laundry and head down the road for a neighborhood barbeque.  Upon returning, you find water all over your laundry room and into your carpeted hallway.…

One of the most common requests we receive as insurance agents from clients seeking auto insurance, is a quote for ‘full coverage’.  What does that even mean?  I have been…

I’m still living in my home, so why do you need to know that I’m also renting it out?  Unfortunately, this seems to be a common question ‘after’ a claim,…

The news has been busy recently with photos of Gov. Gretchen Whitmer on Mackinac Island signing into law the long-awaited and strongly controversial auto insurance reform bill that will drastically…

We understand how upsetting it can be for a client who has paid premiums for years with no claims, to turn one in and hear that it’s simply ‘not covered’…

  Quiz:  Do you know what a Pinarello Bolide, Dogma F8 Xlight, or a Cervelo P5 is?  Second Question:  Are you aware that they can cost you upwards of $10,000…

What is Ordinance and Law?  A frequently misunderstood coverage, ordinance and law is a property coverage issue that can be costly to owners of homes or commercial buildings that suffer…

As a Generation X employer, hiring and mentoring millennials makes for interesting situations; but when that millennial is your son, it makes for an even more unique scenario. I struggled…

Once again mother nature caused some issues recently in Northern California with storms and high winds that brought trees down on buildings as well as vehicles. When a tree, regardless…

It happens. Relationships sometimes simply don’t work out, and you find yourself moving out of a home and dividing up assets. The insurance in these situations can be complicated for…

I don’t think anyone would argue that insurance jargon is, at times, very confusing. Even after being in this industry writing insurance policies for over 30 years, I at times…

Yes, we know that Fido is an adorable pet that ‘wouldn’t hurt anyone’. However, we also know that insurance companies pay millions of dollars each year for dog bite medical,…

Auto insurance rates in California continue to rise due to increasing medical costs. We are the only State with UNLIMITED medical coverage on our auto policies, and as medical costs…

So, I took the plunge! About 3 months ago I decided to give Shipt a whirl and see if it was all the hype that my busy professional mom girlfriends…

As the snow leaves us here in Northern California, the trails and mud seem to call riders from all over to get out their ATVs and hit the dirt, sand…

You and your siblings deal with the excruciating decision to place your mother into a long-term care facility as she can no longer take care of herself due to either…

“Imagine the shock of hearing a quote $3,000.00 less than what you are paying for your insurance!” We just received a testimonial from this client who was floored at how…

  Your home insurance renewal arrives and like most people, you toss it in a drawer or cabinet once you have paid the bill, but you really don’t pay much…

California is somewhat unique when it comes to auto insurance in more ways than our Unlimited Medical benefits. When purchasing collision physical damage protection for your vehicles, you have 3…

Once again, the attempt to control costs of California Auto Insurance has failed by a 45-63 vote earlier this month. California having the highest auto insurance costs in the nation…

In this day of un-related individuals all living together in a home that just one of them owns, or in an apartment or condo that is leased, renters’ insurance seems…

You paid $165,000 for your home, but your agent here in California thinks your ‘bargain purchase’ for a seasonal residence should be insured for $208,000. How can that be? We…

You find a major bargain for a rental property in Detroit California and only pay $65,000 for a home, but then after phone calls to 5 different insurance agencies in…

You find water in the basement level of your home, or you back your vehicle into your own basketball pole in the driveway; fortunately, your insurance agent is just a…

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  So, to answer the big insurance question – it’s a flat NO – your standard California auto insurance policy does NOT cover you while you are being a local…

California is often in the news about our auto insurance being the highest in the Nation. Truth! Why? – Because California is the ONLY State that provides UNLIMITED medical coverage…

We realize that Northern California isn’t home to many floods or hurricanes, but we find when major storms occur like Hurricane Harvey, Californiaders end up with vehicles that come from…

Yes, we realize that the Liberty Mutual television ad about wrecking a just purchased vehicle (she calls Brad), and not being able to purchase another one with the insurance proceeds,…

  Your 19-year-old son is away at college, is listed as a ‘driver’ on your auto policy and is using a vehicle that you; their parent – owns and insures.…

Drivers education courses provide our teens with enough knowledge and hands on experience to get their license, but that’s about it.  I realized this as I watched my 16-year-old taking…

Not only are kids moving back into their parents’ homes, now they are bringing their significant other and many times, other unrelated minor children with them. Today’s home can have…

An Umbrella Liability policy is a ‘separate’ policy that provides clients with an additional ‘layer’ of liability protection. The policy is placed ‘on top of’ your other insurance policies; hence…