Personal Umbrella Insurance: Extra Protection for Peace of Mind

June 8, 2023

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…

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Short-Term Health Insurance: Pros and Cons

June 7, 2023

“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.…

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The Benefits of Offering Group Health Insurance to Your Employees

June 6, 2023

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…

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Understanding the Different Types of Health Insurance Plans

June 1, 2023

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…

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Life Insurance and Estate Planning: Protecting Your Legacy

May 30, 2023

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…

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Business Interruption Insurance: Keeping Your Business Afloat During Unexpected Downtime

May 25, 2023

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…

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“Renters Insurance: Why It’s a Must-Have for Tenants

May 23, 2023

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,…

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Retirement Planning: Understanding 401(k) Plans and Other Options

May 18, 2023

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…

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Health Savings Accounts (HSAs): A Tax-Advantaged Way to Save for Medical Expenses

May 16, 2023

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…

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The Importance of Life Insurance for Young Adults

May 11, 2023

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…

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Commercial Property Insurance: Safeguard Your Business Assets

May 9, 2023

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…

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Auto Insurance 101: Essential Coverage Types for Every Driver

May 4, 2023

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…

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The Top Employee Benefits That Attract and Retain Top Talent

May 2, 2023

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…

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Navigating the Health Insurance Marketplace: A Guide for Individuals and Families

April 27, 2023

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…

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Term Life vs. Whole Life Insurance: Which Is Right for You?

April 25, 2023

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…

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General Liability Insurance: Protecting Your Business from Common Risks

April 20, 2023

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…

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Understanding Homeowners Insurance: Coverage and Exclusions

April 18, 2023

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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Hello world!

February 7, 2023

Welcome to The Insurance Vibe Network. This is your first post. Edit or delete it, then start blogging!

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A Time For Celebration – The Lunar New Year

January 30, 2023

  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…

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Living Benefits – The New Modern Life Insurance Policy

January 30, 2023

  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…

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The importance of Homeowners Insurance

January 30, 2023

  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…

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3 Reasons to Review Your Insurance Coverage

January 30, 2023

  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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Traverse City California Short Term Rental

California Short Term Rental Insurance

August 11, 2022

   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…

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Figo Pet Insurance

August 2, 2022

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…

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Should My Truck or Car Be Insured on a Business Auto Policy?

July 12, 2022

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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Workers Compensation Claim

California Worker’s Compensation Insurance

July 5, 2022

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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California Golf Cart Insurance

Gap in California Home Policies for Golf Carts

July 1, 2022

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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California Recreational Vehicle Insurance

Recreational Vehicle Insurance

June 10, 2022

                             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

March 10, 2022

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

November 1, 2021

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

April 8, 2021

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

April 8, 2021

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?

December 7, 2020

  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?

August 13, 2020

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

July 13, 2020

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

May 8, 2020

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?

February 20, 2020

  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

February 11, 2020

  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?

January 17, 2020

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

October 9, 2019

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

September 6, 2019

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)

August 8, 2019

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

July 18, 2019

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

June 27, 2019

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

June 18, 2019

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

June 14, 2019

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?

April 26, 2019

  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

April 25, 2019

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…

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When Generations and Families Mix in the Workplace

March 15, 2019

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

July 12, 2018

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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