Weaving your way through the health insurance exchanges can be a daunting task in Pomona, CA. Affordable options that have all the benefits your family needs are out there, but it’s difficult to know where to find the information you need to make the best decisions. At THINK Insurance & Financial Services, you can get straight answers to your most pressing questions.

Coverage Changes

Knowing your rights is the first step to choosing optimal coverage from a plan you can afford. Health, dental and vision benefits are available to different degrees under the most recent changes to Covered California.

Most health insurance for individuals and small business owners is labeled Platinum, Gold, Silver or Bronze to distinguish the level of coverage. Also, there’s a minimum plan available to workers under 30 who are going through financial hardship. Under state law, all comprehensive packages have to include certain essential benefits. Prescription drugs, emergency services, mental health care and other services are divided into 10 categories of coverage for comparison.

Dental and Vision

For vision insurance, kids are covered under every plan on the exchange. While Covered California doesn’t include adult vision care in its health plans, participants are linked with insurance agencies that provide quotes for coverage. This keeps the process transparent in an effort to keep premiums reasonable. California kids are covered for healthy smiles under all plans available for purchase on the exchange. Dedicated pediatric dental care is provided. The exchange does offer dental coverage for adults that are available through family dental plans.

Call the experienced agents at THINK Insurance & Financial Services to learn more about your health insurance options in Pomona, CA. We can help you set up an appointment for a quote today.

If you are renting an apartment or home, it is important to get renters insurance to protect yourself, your belongings, and your finances. Remember that all renters insurance policies are different, so not all the policies will protect what we outline below. However, most renters insurance policies will protect:

Your Personal Property

The most important thing that renters insurance covers is your property. For example, if someone stole your electronics and some cash, this would likely be covered by your policy.

Liability

In a situation where you were found responsible for the injuries of someone else or for the damage to someone else’s property, you may be sued for these costs. In this situation, the right kind of renters insurance would cover these cases so that you didn’t have to pay for damages out-of-pocket.

Living Expenses in Special Cases

In some situations, your apartment or home may become uninhabitable. For example, let’s say there was a fire in your apartment building, and you could no longer live there for the time being. Renters insurance would cover the cost of a hotel for you to stay in while the apartment building was cleaned up or until you found a new home.

Remember that renters insurance does not cover structural damage to the home or apartment that you’re renting. Your landlord will need to have their own form of coverage to protect these things.

Learn More With THINK Insurance & Financial Services

Pomona, CA residents always choose to THINK Insurance & Financial Services when they want the best in renters insurance! If you are someone who’s renting in Pomona, CA, please consider giving us a call or stopping by our nearest location to find a renters insurance policy that meets your needs. One of our kind and courteous agents can lay out all your renter’s insurance options for you. Give us a call today!

Those who own businesses always have to worry about what might happen to their employees if they happen to be injured. In fact, it should be one of the biggest concerns for employers because it’s rare that an employee would ever be considered ‘at fault’ for something that happens to them.

Better hiring practices and safety procedures can go a long way to ensuring you don’t fall into this trap, but it may not be able to prevent everything. See how commercial insurance works in Pomona, CA when it comes to injured employees.

Injured Employees Are Covered

THINK Insurance & Financial Services can tell you that your commercial insurance will cover your injured employees if they sustain an accident or chronic illness/condition when on the job. Everything from back pain to a sprained ankle could be considered a workplace injury. It’s the only thing that’s required for business owners to have by the government, as there needs to be some insurance in place in the case of a catastrophic problem. However, that may not be the end of the story.

You May Not Have Enough Coverage

Just because you have some type of coverage though doesn’t mean that you have enough. However, that doesn’t mean that you’re off the hook when it comes to helping your employee with their troubles. THINK Insurance & Financial Services can give you more information when it comes to protecting your business from the worst that may occur. Employees may sue for not just the medical bills that they incurred from their injury, but also for ongoing physical therapy and for lost wages. The worst case scenarios can end up wiping out a business completely. To avoid getting caught in hot water, you need to have the right amount of protection on your side.

Are you the sole provider for your family? Do you have any financial plans for your loved ones even after your death? Well, death has no alert or preparation. You never know when you will die, but one thing you can be sure of is that your family’s financial needs will always be there. Do you want your family to live a miserable life after you are long gone? of course not.

If you are in Pomona, CA, THINK Insurance & Financial Services provides you with a life insurance policy that can ensure your family’s stability after your death. We understand the value of family, and that is why we offer you this plan so you can feel satisfied knowing that your children will continue achieving their dreams even after your end.

We offer you different coverage options depending on your needs. Let us look at some of our options.

Term Life Insurance

It is one of the most common life insurance policy. It helps to secure your family’s financial needs but for a temporary period. It can be used to cover funeral expenses, living expenses, school fees, and mortgages but after achieving the set goal and for a specific time, it is terminated.

Permanent Life Insurance

Unlike the term life insurance, permanent life insurance is for a lifetime. It provides financial stability for your family even after all your children have graduated. Sometimes, you may reason and say that what is important is your kid’s education and that is true. But what about your spouse? What if he or she lives for other twenty years after your death? Will they be able to maintain the same lifestyle you had provided before your death?

Well, both the policies are significant depending on your preference. It is just a matter of choice. So, remember, if you are in Pomona, CA, feel free to visit THINK Insurance & Financial Services for more information.

Here at THINK Insurance & Financial Services, serving the greater Pomona, CA area, we see an uptick in auto accidents during the winter months caused by icy roads. Fortunately, icy roads are not as common in this area as they are in other parts of the country. But the roads still can get icy and slick. Here are a few tips on how you can avoid auto accidents on icy roads.

Slow Down

If you are driving on a slick or icy road, slow down! You do not have to go the posted speed limit, and in fact, you should be going at least 5 to 10 miles per hour under the speed limit. Driving too fast on an icy road can cause an accident quickly.

Go Easy on the Brakes

Another tip for avoiding an accident on an icy road is to go easy on the brakes. Pump your brakes, rather than slamming on them, if you need to come to a stop. When you slam on your brakes, you may cause your car to slide. If this happens, it can be hard to stop your car.

Turn Into a Slide

The last tip for avoiding an accident on an icy road is to turn into a slide, rather than opposite the slide. Many people turn their wheel the opposite direction that they are sliding. This causes you to overcorrect and leads to fishtailing. Instead, turn your wheel in the direction you are sliding until you regain control of your car.

Learning how to drive on icy roads can help you avoid an accident, which can help to keep your auto insurance rates low. If you are in the market for a new auto insurance policy or what to compare prices, THINK Insurance & Financial Services, serving the greater Pomona, CA area, would love to help. Call us today to get started with your free quote.

Whether your condo in Pomona, CA is on the first floor or the top of a skyscraper, it’s always going to be at risk for theft. Criminals are always looking for the edge when it comes to how they pull off their crimes, and condos can give them a perfect cover. There’s so much happening that it can be easy for them to disguise what they’re doing as something far more legitimate. If you’re concerned about condo insurance, it’s time to find out more from THINK Insurance & Financial Services. We’ll tell you whether it covers theft or not, and how you can protect yourself from thieves of all kinds.

The Long Answer

This may seem like it should have a fast answer, but unfortunately, it’s more complicated than that. The answer is that it depends on whether or not you purchase a policy that will cover personal property. You may only purchase coverage for the actual physical structure. So if your windows are knocked out by a nasty storm, you don’t have to pay to get them replaced. But if the window glass damages your favorite figurine, then you’re on your own to replace that figurine unless you have additional coverage.

Additional Considerations

Condo owners are generally bound by some type of association’s rules, and it’s up to the group to decide exactly what an owner should have to cover their home. So you may be have been under obligation to get some type of personal property consideration on your policy. In addition, condo insurance can even extend to personal property in your car, so if there’s a theft from your car, you’re covered too.

If you live in Pomona, CA and have more questions about condo insurance and theft, call THINK Insurance & Financial Services for a quote!