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!

There is so much to know about health insurance and life insurance. Let’s take a quick look at both of them, and hopefully, you can see why it is so important to invest in both types of policies.

What is health insurance?

Well, essentially, health insurance helps you stay healthy. It pays for various services received through doctor offices, and even if the total cost is not covered, at least a portion will be. It is of the utmost importance that you realize that not all services are covered. For example, if you are wanting to get a breast augmentation, your health insurance is not going to cover any of the accompanying costs. In fact, almost all types of cosmetic surgeries are not covered by health insurance. This type of insurance, however, will cover things such as being hospitalized due to an infection setting up after a breast augmentation surgery has been performed. The specifics of what are and what are not covered by health insurance can be found in your policy details; this is why it is so important to go over your policy with a qualified agent.

What is life insurance?

Life insurance is not paid out until after the policyholder becomes deceased, whereas health insurance is paid out while the policyholder is still alive. One of the most beneficial aspects of life insurance is that it provides you with peace of mind in knowing you are helping to take care of your beneficiaries after you have passed away. Sure, you may not be gaining anything financially, but you are protecting the future of your loved ones.

To learn more about health insurance and life insurance, please contact THINK Insurance & Financial Services serving the Pomona, CA area.

Did you know that even if you live rentals, you can protect you and your belongings? Most people think that insurance is just for persons who live in their compounds or for those who own apartments. But that is not the case. There is so much you need to protect your rental home apart from the building.

Pomona, CA, THINK Insurance & Financial Services will help you understand more about the options you have. You will be shocked how much belonging you own when you start evaluating it. At that point, you will understand what it means to protect property against risks. So, to help you understand more about renters coverage here is a glimpse of some of our renter’s insurance coverage options.

Personal belongings coverage

Do you know how much you own? That is in terms if your clothes, shoes, jewelry, furniture, electronics and other items in your house? Well, we are here to help you. For you to insure all your property, we urge you to list all your items and evaluate them in terms of monetary value. In that way, you will be able to decide how much renters’ insurance you need in case your items get destroyed by fire, hurricanes, storms or even theft.

Liability Coverage

A liability coverage protects you against lawsuits where your neighbors sue you for destroying their property. You may not expect this to happen but what if your kid throws a ball which ends up causing injury to another person or damage to another person’s property? You need to be prepared for such things.

Additional Living expenses

If you live in a rental property, you have a place to call home. But if it were to get destroyed by either fire, storm or any other disaster, you will be left homeless. At that point, you will have to find another place to call home, and that can be very expensive. However, with a renter’s insurance coverage from Pomona, CA, THINK Insurance & Financial Services, you are safe. We help pay for all the additional living expenses as you figure out what next.

Please feel free to contact us in case of any questions.

Pomona, CA tax preparation businesses need to get high-quality commercial insurance to protect themselves. At THINK Insurance & Financial Services, we can give you a guide to the type of policies you need and how they help keep you from severe financial problems.

Liability Is A Key Insurance Type

Tax preparation experts are often under a lot of pressure to get their returns filed correctly. As a result, they make mistakes that cost their clients money. When this occurs, commercial liability insurance can protect them from serious lawsuits. Liability insurance helps cover the costs of defending yourself from lawsuits and even pay part of the damages.

Just how serious can these lawsuits be for a tax preparation expert? A single mistake could cost their clients thousands of dollars or more on their returns. As a result, they could be liable in a million-dollar lawsuit that could put them out of business. With liability insurance, they are protected.

There Are Other Types Of Insurance Available

While commercial insurance for tax experts is primarily based on the responsibility, there are other coverage types available. For example, they can use commercial insurance to protect their business building from severe damage. Repair coverage of this kind is crucial.

They can also use it to cover the costs transportation and vehicle repairs. Other coverage types include omission insurance, compensation, cyber error coverage, and umbrella insurance to cover all your commercial insurance needs. However, the exact nature of a policy’s coverage will vary depending on what type you purchase.

Do You Need Commercial Insurance?

Please don’t hesitate to contact us at THINK Insurance & Financial Services if your Pomona, CA tax preparation business needs commercial insurance. We will comprehensively cover you and ensure that you don’t end up losing money if you make a grave mistake.

If you have a health crisis after hours, THINK Insurance & Financial Services serving Pomona, CA has some helpful suggestions for how to deal with the matter.

It goes almost without saying if your condition is life threatening, for example, a heart attack, stroke, or severe trauma, you or someone close to you should call 911. EMTs are well trained to evaluate and stabilize you and get you to a trauma center with due speed.

For conditions that are not life threatening, many hospitals maintain urgent care centers that are not only cheaper but have quicker wait times. Nearly all are open seven days a week and until about 9 p.m. or so. Some of the conditions that an urgent care center will be able to treat include conditions like the flu, minor injuries, vomiting, diarrhea, a non-life threating allergic reaction, or a urinary tract infection.

You should check in advance what an urgent care center will treat when they are open, and whether they are in a hospital or other facility that is within your insurance network. Have someone else drive you to the urgent care center if at all possible.

While your health information, such as chronic conditions, medications you are taking, and allergies may be on a computer network, it is always prudent to carry that information with you.

If you are uncertain what to do if you have a health care crisis after hours, many medical practices have an on call physician, Give that person a call, and he or she will be able to tell you what you need to do.

For any questions about this or any other health care insurance relayed subject contact THINK Insurance & Financial Services serving Pomona, CA.

In California, your teen driver will start their driving experience with a provisional license, meaning that though they are legally allowed to drive, they haven’t earned their complete driving privileges yet. California provisional drivers under 18 years of age have specific driving restrictions, such as not being allowed to drive between the hours of 11 pm and 5 am, and not being able to have passengers under the age of 20 in the vehicle, unless accompanied by someone over the age of 25 who is a licensed driver. These restrictions last for the first 12 months of a teen’s provisional license.

Provisional drivers have specific insurance needs. Keep the following in mind before you hand over the keys to your teen:

Provisional drivers are required by law to maintain the same minimum insurance coverage as their parents. In California, all drivers, including teens are required to carry the following coverage:

• $30,000 in bodily injury per each accident
• $15,000 in bodily injury per each person
• $5,000 in property damage per each accident

If your Pomona CA teen has a provisional license and is using your vehicle, they should be added to your automobile insurance policy. All licensed drivers in your home, including teen drivers, need to either be added to or excluded from your automobile policy. If your teen is involved in a collision and you have not added them to your policy your insurer may not cover the damage to your vehicle, other vehicles involved, or any medical costs for injuries sustained by victims.

Check with your THINK Insurance & Financial Services agent find out which discounts may apply to the teen driver in your household. For more information about insurance coverage for your provisional driver, contact the Pomona, CA insurance experts at THINK Insurance & Financial Services today.

The agents of THINK Insurance & Financial Services serve residents who live in and around the Pomona, CA area. They specialize in various types of insurance including homeowner’s policies and those designed for condo owners. Owning a condo is a convenient blend of owning a home while living in a maintained building that holds several different units. This can lead to a unique set of circumstances when it comes to insurance coverage.

Condo insurance acts just like a homeowner’s policy in many ways. It reimburses you for your personal items if they are damaged, destroyed in a fire or stolen. It also protects the interior of your condo and will pay to cover the repairs to any damage that occurs within your living area. Your condo insurance will not cover damage outside your living area, however. Any damage that occurs outside of your living area is covered by the condo association.

Another benefit is the medical coverage that is afforded to guests who are injured while visiting you in your condo. This personal liability coverage. If your condo is damaged for any reason and you are unable to stay there, your condo insurance will pay for you to rent a hotel or other apartment until it is repaired and fully functional.

In Pomona, CA, the agents of THINK Insurance & Financial Services are available to discuss all of your insurance options with you at your earliest convenience. If you own a condo, they can evaluate your unique circumstances and come up with a policy that protects you from financial loss and gives you peace of mind. Schedule an appointment today to have all of your questions about condo insurance answered!

Emergencies are never planned and by nature arbitrary.  They are also subjective.  What qualifies as an emergency for one person may not qualify as an emergency for someone else.  Definitions vary as experiences are unique to each person who has an emergency.  This often creates questions about when to go to the Emergency Room.  THINK Insurance & Financial Services wants to help the people of Pomona, CA by answering these questions and providing guidelines about when a person should go to the Emergency Room and when to go to Urgent Care.

When to Go to the ER

Some people need to be more vigilant about acting in an emergency situation.   Elderly people, newborn or unborn infants, and people with certain medical conditions are advised to go the ER in the event that staying away would cause death or irreversible disability.

GO to the ER or dial 911 for Help When You Experience:

• Cardiac Emergency
  • Chest Pain- It is even more important to go if it is accompanied by sweating, shortness of breath, vomiting, and pain radiates down the arm or jaw.
• Pulmonary
  • Shortness of Breath
  • Inhaled smoke or poisonous fumes-
• Neurological
  • Dizziness/Vertigo
  • Confusion/Disorientation
  • Trouble Speaking
  • Face Drooping
  • Seizures
  • Head Injuries
• G/I
  • Sudden severe abdominal pain
  • Severe GI bleeding
• Orthopedic
  • Broken Bones
  • Dislocation
• Dermatological
  • Laceration
  • Serious Burns
• Everything Else
  • Anaphylaxis-  especially when accompanied by hives, and swollen airways
  • Heavy Bleeding
  • High Fever- especially when accompanied by a stiff neck and sensitivity to light

This is not an exhaustive list, but these are the events most likely to lead a person to go to the Emergency Room.  THINK Insurance & Financial Services wants people in Pomona, CA to be prepared for any catastrophic event and for there to be no question unanswered questions so they can always be prepared for the unexpected.

Just because you are renting your home does not mean you don’t need to protect your valuables. While the property owner likely has insurance in place to cover the building in the event of a fire or other damage, this insurance does not cover your personal belongings. At THINK Insurance & Financial Services, we want to do what we can to educate you on what renters insurance covers. So whether you live in Pomona, CA or somewhere else in the area, you’ll have all the knowledge you need to cover yourself properly.

What Does Renters Insurance Cover?

Renter’s insurance is generally broken down into three different kinds of coverage: Personal property, liability, and additional living expenses. Personal property insurance is what you’ll most likely look towards. It covers everything from clothing to furniture, computer equipment, and bicycles, all based on what you claim on the insurance. You can also include jewelry and other items you own. Should you make an additional purchase after obtaining the insurance you’ll need to contact your insurance provider to let them know.

Liability insurance occurs if someone within your apartment or rented home is injured and you are found responsible for the injuries. The additional living expenses insurance coverage is in the event of needing to rent out a hotel because of damage within your home.

Whether you live in Pomona, CA or in an entirely different city altogether, it is important for you to protect your home valuables. With the help of renters insurance, you’ll have the ability to ensure your valuable items are protected in the event of a break in, fire or other situation. We at THINK Insurance & Financial Services are here to assist you with any and all questions you might have regarding renters insurance.

It can be emotionally difficult to come to terms with the fact that your parents are getting older, and even more difficult to have conversations with your parents about what will happen after they’re gone. Talking to your aging parents about life insurance choices can feel uncomfortable, but it’s worth it in the long run. Read on for three tips on how to make the conversation a little bit easier.

Be Respectful

It’s important to remember that your parents have a wealth of life experience and are capable of making their own decisions. You may want to guide them in a certain direction when it comes to life insurance, but when all is said and done, the final decision is up to them. It’s ok to offer your ideas and suggestions, but this is not the time to start an argument.

Include Siblings

It’s a good idea to include your siblings in this conversation with your parents. Before approaching mom and dad, have a talk with your brother(s) and/or sister(s) to see if you’re on the same page when it comes to life insurance- you don’t want any surprise disagreements to pop up.

Agree to Disagree

These conversations can be ongoing, and it’s ok if your parents don’t receive the conversation well the first time. It may be necessary to come back and try the conversation again another day.

Before discussing life insurance with your parents, it’s a good idea to know what the different options are. A qualified agent at THINK Insurance & Financial Services in Pomona, CA will be able to help you decide what type of life insurance policy makes the most sense for your parents.