How can an auto insurance policy in California protect me?

Anyone that lives in the Pomona, CA area should consider getting a car as it will make it much easier for you to get around town. If you do purchase a car here, it is important that you fully consider all of your insurance needs. Getting auto insurance is a great idea for anyone here as it can protect someone in many different ways. 

Protects Vehicle

One of the reasons to get auto insurance is that it can protect your vehicle. If you purchase a car, you are going to be making a very big investment. If you were to get into an accident or the car is stolen, you will need to spend a lot of money to repair or replace the vehicle. Fortunately, your auto insurance policy will give you the protection you need to cover this expense.

Gives Liability Coverage

Another advantage of auto insurance is it will give you liability coverage. Anyone in California should be aware of the liability risk that they take on at all times. With an auto insurance policy, you will receive protection for this risk. If you were to cause an accident and damages, your auto insurance policy will give the coverage you need. 

If you are going to purchase a car in the Pomona, CA area, it is very important that you get auto insurance as it will protect you in several ways. When you are looking for your next policy, picking the right one can be complicated. Due to this, you should reach out to THINK Insurance & Financial Services to get all of the assistance and support that you need. The team at THINK Insurance & Financial Services can help you to choose a policy that is right for your situation.

Do Health Insurance Companies Share Information With Each Other?

Oftentimes you may consider simply switching health insurance providers based on the rates that you’re getting right now. This can be a smart idea, but you should know that all Pomona, CA insurance companies are going to have access to the same information.

And it’s not just the insurers sharing this information.

Essentially, every insurance company you could hope to buy from has every piece of medical data that exists about you and is available. They talk with doctors and hospitals, they look at your records, they talk to your dentist if need be, and of course, they talk to each other. The insurance game is competitive, sure, but it doesn’t really do these companies any good to keep secrets from one another.

If some of the information that your previous insurer had is false or was registered in error, fortunately, there are ways to have this taken care of. Medical check-ups are, after all, where we get the term "second opinion." If your previous physician noted your high blood pressure, but you were just having a stressful day when you took the exam, there’s no reason that you can’t have a follow-up exam taken and submit those new results to your insurance company.

Ultimately insurance companies are looking at your medical records for your benefit as well as your own. They need to know the risk that they’re taking in covering you, and of course, they need you to be aware of those risks, as well.

If you’re looking to get covered in Pomona, CA, get in touch with THINK Insurance & Financial Services and see what we can do for you. You can call us, or get in touch through the THINK Insurance & Financial Services website.

California Renters Insurance Frequently Asked Questions.

THINK Insurance & Financial Services wants to empower all the people in and around Pomona, CA with as much information about their insurance requirements and options as possible. This is why we have compiled this list of FAQs about renters insurance in the state of California. 

Renters Insurance FAQs 

  • Is renters insurance a legal requirement in California? No, you do not legally have to have renter’s insurance in the state of California. However, you may find yourself in a bad situation if the worst happens and you do not have it. 
  • Can my landlord require me to have my own renters insurance? Yes, your landlord can make renter’s insurance a required item in your contract. This protects them but more so you and your personal property. 
  • What may renter’s insurance cover? We cannot guarantee anything until your policy is actually written but renter’s insurance in California often covers personal items of value such as laptops, televisions, antiques, etc. It may cover loss of use of an area so you have compensation when you need to make other living arrangements, and it may protect you from some level of civil liability. These are all common coverages but discuss your personal needs with an agent. 
  • Why should I have my own renter’s insurance policy? Because your landlord’s policy will protect the building itself and not the tenants and their belongings. Protect yourself with renter’s insurance so you have one less thing to worry about.  

THINK Insurance & Financial Services serves the community of Pomona, CA with quality insurance services and we will be happy to answer any additional questions you may have about renters insurance or any other type of insurance and the California requirements or suggestions. Call us today. 

Summer Renovation Tips for Your Condo

If you’re planning to renovate your Pomona, CA condo for summer, now’s a good time to choose your projects. By planning ahead, you can ensure your condo will be ready when family and friends come to call. These tips from THINK Insurance & Financial Services offer some renovation ideas to help you get started.

Update Kitchen Appliances

Sometimes all your kitchen needs for a new look is to update your appliances. New, energy-efficient, smart appliances are sure to improve your kitchen’s function and add value to your Pomona CA condo.

Paint Interior Walls

A fresh coat of paint will make your walls pop and add color to your environment. You can choose colors that complement or contrast your décor to set the mood for living spaces within your condo.

Modernize Bathrooms

Modernize your bathroom by replacing an old vanity, adding tiling to walls, and swapping outdated faucets and lighting with contemporary designs. Complement these fixtures with attractive accessories like trendy bath towels, bath mats, and shower curtains to create the look you desire.

Install Ceiling Fans

Install ceiling fans in strategic locations to keep living spaces fresh and cool and add a decorative touch to your environment. Today’s fans come in all kinds of sizes, styles, and colors and are reasonably priced, making them great investments for your condo.

Invest in a Living Room Carpet

A beautiful new carpet can bring your living room together and make it a cozier, more comfortable environment for getting together with family and friends. By investing in quality carpeting that maintains its attractive appearance, you can enjoy its beauty for years to come.

Once you’ve completed your renovations, take the time to update your condo insurance to include these upgrades in your policy. For quality condo insurance coverage at reasonable costs, contact your THINK Insurance & Financial Services agent today.

How Often Can My Friend Drive My Car Before I Need To Add Them To My Policy?

Most insurance companies that serve Pomona, CA will have no problem with you lending your car to a friend or family member every now and then, whether or not they’re on the policy. You’ll want to read your policy to be sure, but it’s rare that an insurer will deny a valid claim for an accident that happened while your friend was driving the car. This is, of course, assuming that your friend is fully licensed and not doing anything illegal. But it’s generally not a big deal.

The complications arise when your friend is driving your car so frequently that it’s basically their car, too, at this point, and when someone who works for you is driving the car.

If you have, say, a babysitter who drives your car to pick the kids up, then you need to call your insurance provider and find out what their rules are regarding people in your employ borrowing the car to perform paid tasks for you. Likewise, if you have a friend or family member who borrows your car once a week, or even more frequently than that. At this point, that’s not one-off lending of the car, but a part of the car’s regular routine.

As usual, the best policy is to let your insurer know. Your insurer can be more flexible than you realize when it comes to this sort of thing, but they need to know what they’re covering if they’re going to cover it.

If you’re still shopping for insurance in Pomona, CA, get in touch with THINK Insurance & Financial Services. THINK Insurance & Financial Services can connect you with the policy you, and your friends, need to drive safely.

Health insurance: What does it cover in Pomona CA?

Navigating through the world of health insurance is a monumental task. With fast-paced lives, home responsibilities, and pressure at work, we hardly get the chance to live healthy lives nor pay much attention to health insurance. Health insurance helps protect you and your loved ones by paying for surgical, medical, and sometimes dental expenses. Depending on your needs, THINK Insurance & Financial Services recommends having a form of health insurance to cover for individual medical costs.

What does it cover?

Companies often include health insurance as an employer benefits package to entice quality employees. The premiums are partially deducted from the employers but usually deducted from the employee paycheck. With such a package, the best way to learn what is covered is by enquiring from the hospital. If you have two forms of coverages, it is essential to know what each covers to avoid repetition in coverages.

Health benefits

  • Emergency services
  • Ambulatory patient services
  • Hospitalization
  • laboratory services
  • Pediatric services
  • Preventive and wellness services
  • Chronic disease management
  • Prescription drugs
  • Rehabilitative and habilitative services 
  • Maternity and newborn care 
  • Mental health and substance abuse disorder services, including counseling, psychotherapy.

Is health insurance necessary?

In most cases, health insurance is not mandatory. However, some job contracts may require you to have a health insurance policy. Certain situations also call for a high-quality health insurance policy. For instance, if you have a pregnant wife or just welcomed a newborn, you may need insurance to cover for postnatal as well as the child’s regular doctor visits. People with serious health conditions, chronic illnesses, or diseases that require high-end treatment may also need health insurance to help cover medical costs.

You by now agree that your health is more important than anything else in the world. At THINK Insurance & Financial Services, we can help you stay healthy by providing you with useful information regarding health insurance. Feel free to call us or visit us at Pomona, CA today!

How Does Condo Insurance Differ from Home Insurance?

When you are shopping for a new home, it’s helpful to understand the difference between home and condo insurance. THINK Insurance & Financial Services can provide quotes and walk you through the pros and cons of each. This enables you to make the transition from a house to a condo or vice versa, more confidently in Pomona, CA.

Liability Insurance: Condo versus Home Insurance

Under condo insurance, you are responsible if someone gets hurt or you unintentionally damage their property while they are in your condo. Liability coverage for condos helps you safeguard your finances. However, if someone gets hurt in a common area, such as the lobby or pool, the HOA insurance typically covers it.

Homeowners liability is similar to condo owners’ responsibilities. Your home insurance should cover injuries and property damage that occur at your home and beyond. However, homeowners are also liable for accidents and injuries that occur on the land they own. Trampolines, playgrounds, and pools increase your risk and can affect the cost of insurance. 

Personal Property Insurance: Condo versus Home Insurance

Under condo insurance, covering personal items falls under the owner’s responsibility. The HOA coverage protects common areas such as hallways and rooftops. However, your condo insurance reimburses you for losses such as furniture, electronics, clothing, and jewelry. Under homeowner’s insurance, personal property works in much the same way. You need enough insurance to pay for all your belongings in case of a total loss. 

To ensure that you have a handle on the value of your belongings, take an inventory, and estimate the value of each item. You’ll need to secure insurance for at least that amount to avoid paying to replace the items out of pocket. 

Your agent from THINK Insurance & Financial Services can provide examples to help you understand the risks and responsibilities associated with home or condo insurance. Call today to set up an appointment at our Pomona, CA office or to ask us any questions you may have. We’ll be happy to provide quotes and walk you through available policies.

Do renters need to carry insurance in California?

In California, 45.2 percent of residents are renters. While the people who own the building must have home insurance, the law does not require renters to carry insurance on their rental. Having said that, some landlords and owners may require tenants to show proof of renters insurance before they allow them to rent from them. At THINK Insurance & Financial Services in Pomona, CA we are Independent agents and can offer our customers excellent service and competitive rates. 

One common misconception that many renters have is that their personal property will be covered by their landlord’s insurance in the event of an event that damages or destroys their personal property. This is not the case. The landlord’s insurance will only cover what is their property, the physical building, and things like bathroom fixtures and kitchen cabinets. Your personal property will not be covered. This can result in a catastrophic loss for you as a renter. If you had renters insurance, not only would it protect your personal property when it is in your dwelling but in the event that it was stolen while you are away from home or from your vehicle. 

If the dwelling that you rent is so badly damaged that you can not live in it, renters insurance may help you to pay for a place to stay while you are waiting for it to be repaired. Renters insurance also gives you liability coverage so that if someone is injured while visiting you or perhaps by your furry friend, you will have the means to pay the judgment against you. 

To answer the question do renters need to carry insurance in California you need to consider whether you can afford not to carry renters insurance. At THINK Insurance & Financial Services in Pomona, CA we are here to help you determine the answer that is right for you. Give us a call or stop by our office for a no-obligation quote. 

Which Type Of Life Insurance Is Right For You?

There are two primary types of life insurance offered to the public. One of the options is term life insurance, which is paid for in advance for a set term. The other is whole life. The whole life policy has premium payments over the course of many years and can be used to borrow money after a set period of time. 

Whole or Term?

Both insurance options have their benefits, but for those who are planning for the future or getting ready for retirement, they may want to consider whole life because it can serve as a savings plan if there is an unexpected expense in the future. The term policy is pretty straight-forward and provides clear terms and conditions before the policy is purchased for a set "term". The whole life policy can be modified and used to build borrowing power against the face value of the policy, usually after 10 years of making regular payments. Many who are approaching retirement age consider this policy to help with unexpected expenses that can crop up in the future.

Find A Top Agency

One of the keys to getting the right type of insurance is to work with an agency with a reputation for delivering exceptional customer service as well as top-rated insurance products. Those who are in the Pomona, CA area who are shopping for life insurance can count on the licensed life insurance agents at THINK Insurance & Financial Services to provide the guidance they need to get protection for those they care about the most. 

Residents of Pomona, CA should call or stop by THINK Insurance & Financial Services today to get the insight they need to make smart insurance policy purchases. 

Does Commercial Insurance Cover Vandalism?

Unfortunately, vandalism can occur to just about any business with a physical location, at any time. Luckily, standard commercial insurance is designed to cover acts of vandalism to help victims recover and get back to business as usual. Before selecting a commercial insurance policy, learn the limits of coverage and make sure it includes any vandalism related costs.

Vandalism Coverage

Most insurance policies will usually cover vandalism damage on the covered property. Make sure that the terms and conditions about coverage are clear and that you completely understand them before making a purchase. If there are any exclusions, learn about them from your insurance agent, and then take any steps to purchase additional coverages if deemed necessary to prevent losses. With the right type of insurance assistance, selecting a comprehensive commercial policy that protects against all types of vandalism is easy. 

Working With A Licensed Agent

One of the best tools at your disposal is a licensed insurance agent who has experience helping clients get the coverage they need to provide security for their business or company. Anyone who is currently searching for high-quality commercial insurance should consult with THINK Insurance & Financial Services, serving Pomona, CA. They have insightful agents who are committed to helping people get the security and peace of mind they need to operate their business with confidence from day to day. Let them help you get that same level of coverage to protect your investment around the clock.

Call or stop by THINK Insurance & Financial Services of Pomona, CA, and let one of our skilled agents walk you through the process of policy selection and answer any questions you may have.