Personal Umbrella Insurance: Extra Protection for Peace of Mind
Introduction While you may already have insurance policies in place to protect your home, car, and personal belongings, sometimes it’s not enough. That’s where personal umbrella insurance comes in. Umbrella…
Read MoreShort-Term Health Insurance: Pros and Cons
“Sure! Here’s a blog post on “”Short-Term Health Insurance: Pros and Cons””: Introduction Short-term health insurance is a type of coverage that is designed to provide temporary health insurance benefits.…
Read MoreThe Benefits of Offering Group Health Insurance to Your Employees
Introduction Offering group health insurance to your employees can be a significant investment, but it can also provide significant benefits to both your business and your employees. In this blog…
Read MoreUnderstanding the Different Types of Health Insurance Plans
Introduction Health insurance is an important part of financial planning, providing financial protection against unexpected medical expenses. However, there are many different types of health insurance plans available, each with…
Read MoreLife Insurance and Estate Planning: Protecting Your Legacy
Introduction Estate planning is an essential part of ensuring that your assets are distributed according to your wishes after your death. Life insurance can be an important part of estate…
Read MoreBusiness Interruption Insurance: Keeping Your Business Afloat During Unexpected Downtime
Introduction As a business owner, unexpected events can cause disruptions that can impact your ability to operate your business. Business interruption insurance is a type of insurance coverage that can…
Read More“Renters Insurance: Why It’s a Must-Have for Tenants
Introduction If you’re renting a home or apartment, you might think that your landlord’s insurance policy will protect your personal belongings in the event of a disaster or theft. However,…
Read MoreRetirement Planning: Understanding 401(k) Plans and Other Options
Introduction Retirement planning is an important part of financial planning, and understanding your options is key to building a secure future. One of the most common retirement savings plans is…
Read MoreHealth Savings Accounts (HSAs): A Tax-Advantaged Way to Save for Medical Expenses
Introduction A health savings account (HSA) is a tax-advantaged savings account that can be used to pay for medical expenses. HSAs are available to individuals and families who have a…
Read MoreThe Importance of Life Insurance for Young Adults
Introduction Life insurance is not something that most young adults think about, but it’s an essential part of financial planning. Life insurance can provide financial protection for your loved ones…
Read MoreCommercial Property Insurance: Safeguard Your Business Assets
Introduction As a business owner, protecting your assets is a top priority. Commercial property insurance is a type of insurance coverage that can help safeguard your business assets in the…
Read MoreAuto Insurance 101: Essential Coverage Types for Every Driver
Introduction Auto insurance is a necessary expense for every driver, as it provides protection in the event of an accident or theft. However, with so many different types of coverage…
Read MoreThe Top Employee Benefits That Attract and Retain Top Talent
Introduction In today’s competitive job market, offering attractive employee benefits can be a key factor in attracting and retaining top talent. In this blog post, we’ll discuss some of the…
Read MoreNavigating the Health Insurance Marketplace: A Guide for Individuals and Families
Introduction The health insurance marketplace can be a confusing and overwhelming place, especially if you’re new to the process of shopping for health insurance. In this blog post, we’ll provide…
Read MoreTerm Life vs. Whole Life Insurance: Which Is Right for You?
Introduction When it comes to life insurance, there are two main types of coverage to choose from: term life insurance and whole life insurance. Both types of coverage can provide…
Read MoreGeneral Liability Insurance: Protecting Your Business from Common Risks
Introduction As a business owner, it’s important to have the right insurance coverage to protect yourself and your business from common risks. General liability insurance is a type of insurance…
Read MoreUnderstanding Homeowners Insurance: Coverage and Exclusions
Introduction Your home is likely one of the biggest investments you’ll make in your lifetime. It’s where you make memories, build your life, and keep your most valued possessions. As…
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Read MoreA Time For Celebration – The Lunar New Year
The Lunar New Year, also known as Chinese New Year, is a significant holiday celebrated by many Asian cultures, including China, Vietnam, and Korea. The celebration marks the start…
Read MoreLiving Benefits – The New Modern Life Insurance Policy
Living benefits insurance, also known as modern life insurance, is a new type of policy that offers policyholders the ability to access their death benefit while they are still…
Read MoreThe importance of Homeowners Insurance
January is the perfect time to review your Thome insurance coverage and make sure you have the right amount of protection for your home and belongings. Home insurance is…
Read More3 Reasons to Review Your Insurance Coverage
January is a time for new beginnings, and what better way to start the year off right than by reviewing your insurance coverage? Here are three reasons why January…
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California Short Term Rental Insurance
Over the last few years, short term rental(STR) properties have become extremely popular in and around Traverse City California. Insuring them has become less costly than when they first…
Read MoreFigo Pet Insurance
Animal lovers know that our pets are a cherished part of the family. So purchasing insurance on them isn’t a new concept. In fact, the first pet insurance policy was…
Read MoreShould My Truck or Car Be Insured on a Business Auto Policy?
Knowing when to insure your vehicle on a business or personal auto policy can have some major coverage issues if done incorrectly. In fact, if you insure a commercially used…
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California Worker’s Compensation Insurance
Workers’ compensation insurance is not only a crucial factor when running a business, many times it’s required by law, according to the California’s Workers’ Disability Compensation Act. Not all employers…
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Gap in California Home Policies for Golf Carts
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…
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Recreational Vehicle 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…
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The California Catastrophic Claims Association (MCCA) Refund
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…
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7 Ways To Lower The Cost Of Home Insurance
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…
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How an Umbrella Protects you From More than Just Rain
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…
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California Auto Reform Paperwork
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…
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Do I Have to Purchase Snowplow Insurance Coverage?
As we watch the colorful leaves fall to the ground, and the daylight hours become shorter, we know that snow is soon to follow; and as a Northern California…
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Flood Insurance Becoming A Necessity In 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…
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How Your Insurance Score Impacts Premiums
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…
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Protecting Your California Rental Property
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;…
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California No Fault Reform Law: What Does it Mean For You?
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…
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Frozen Pipesicles
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…
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Who Is An Insured?
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’…
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Chargeable Accidents
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…
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Adulting is Hard
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.…
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Replacement Cost vs. Actual Cash Value (New for Old)
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.…
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Full Coverage Auto Insurance
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…
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Home Sharing Coverage Issues
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,…
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California Auto Insurance Reform
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…
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You Have No Coverage
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’…
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Do I Need To Insure My Bike?
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…
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Understanding Ordinance and Law
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…
Read MoreWhen Generations and Families Mix in the Workplace
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…
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Storms Cause Neighborhood Storms
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…
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