Do you have renters insurance? Unless you’re married and have a joint policy, don’t rely on your roommate’s renters insurance to cover your belongings. While most policies include personal property coverage, it only applies to the belongings of the policyholder, not their roommates. If you’re in an apartment in Pomona, CA and don’t have your own renters policy, here’s why you should get one before it’s too late.

Renters Insurance Insures Named Policyholders

Most renters insurance policies only insured the policyholders named on the policy. While there may be a couple of exceptions, such as a child’s toys being insured by their parent’s insurance policy, typically if you don’t pay the renters insurance bill or didn’t sign up for it, you aren’t insured. In apartments where several unrelated individuals live together, everyone needs to have their own policy.

Specific coverages vary from policy to policy, but renters insurance usually includes some form of coverage for your personal possessions. Since only people named on a policy are insured by that policy, though, only their belongings are covered. Therefore, you can’t rely on your roommate’s renters insurance to reimburse you if your possessions are stolen or damaged.

Independent Agents Help Renters Find Insurance

If you don’t have renters insurance, give us at Think Insurance and Financial Services a call. We’ve served many renters in Pamona CA, and we’d love to help you as well. All of our agents are independent insurance agents, which means they can pull quotes from any company offering renters insurance in California. We’ll not only make sure your belongings are insured by your own policy, but we’ll also get you the lowest premiums possible.

 

Montclair is located in the San Bernardino County of CA. It is close to Los Angeles, which is the nearest metropolitan. Home values are higher here than the rest of the state on average. Many people choose to live outside of LA and many will choose this city, which has a population of around 35,000.

When you buy life insurance, age matters. The reason is because insurance companies are going to look at life expectancy and determine approximately how soon they would have to pay out on a policy. The younger you are, the more affordable a policy can be. This is because companies assume that you have a long life ahead of you and won’t have to pay anytime in the near future.

Regardless of how old you are, there are decisions that need to be made. This includes deciding on such things as:

– Term vs. whole life insurance

– Amount of policy

– Beneficiaries

When you have questions about the policies that are out there and how age factors in, it can be advantageous to work with a broker from one of the insurance agencies in CA. We have a broker who can help you with a policy in Montclair.

Depending on your age, you may be looking for a way to add protection to your family until you reach retirement or you may be looking for a way to provide for your spouse once you pass on. There are several things to consider and a broker can work with the different insurance companies to get you quotes.

Call us today and let us work with you to answer questions, get quotes, and help you to decide on a life insurance policy that works based upon your age as well as your budget.

Throughout California, there are some gorgeous places to call home. There are mountains, beaches, and vineyards along with a number of metropolitan cities. Home prices can be spread out considerably, appealing to people of all financial statuses.

When you decide you want to buy health insurance with your spouse, there are some tips to follow. You will want to make sure you have adequate insurance coverage for everything.

Look at Coverage Levels

The insurance coverage can vary considerably when you look at the different policies. When you shop for health insurance in California, you want to look at:

– PPO versus HMO

– Deductible

– Prescription coverage

– Copays

Once you explore all of these, you will be better equipped to choose a policy for you and your spouse to share.

Contact Employers

Employers may provide you with health insurance or provide you with the ability to buy a plan. Before you buy independently, you should get an idea as to what it’s going to cost on a monthly basis. Sometimes it is more advantageous to buy independently, especially when adding a spouse, but it’s best to know ahead of time.

Work with an Agent

You will want to work with an agent to help you find health insurance. This will ensure someone is going to answer your questions, make sure you and your spouse have the needed coverage, and more. The agent is going to get quotes from multiple insurance companies in California and this will give you a chance to do some comparisons with rates.

Buying health insurance is easier when you follow a few tips. Work with one of our agents and get questions answered, quotes delivered to you, and assistance every step of the way. Soon you will have an affordable policy you can rely on.

California is a magnet for tourists, and rightly so. There are many things to do including visiting Universal Studios, skiing at Lake Tahoe, and catching a fish at Fisherman’s Wharf in San Francisco. With so much to do, it is easy for business owners to become the victim of auto theft. California business owners must be particularly careful since 40% of auto thefts occur near ports and borders.
 
A missing car from a fleet is devastating to say the least. The fleet manager or business owner must make sure that the driver has the ability to work while the car is missing, but they also have to work with the police for the investigation and file a claim on their insurance. Any missteps can significantly impact the time it takes to get a new car, which hinders business operations.

Tips to Protect Your Business from Auto Theft

Avoidance is always the best practice when it comes to concerns with liability with commercial auto insurance. The following are a few things you can do to reduce the likelihood of your company car being stolen.

•    Purchase cars that incorporate advanced anti-theft technologies.
•    Purchase aftermarket products that enhance the security of your company cars.
•    Require employees to remove personal items from cars that are unattended.
•    Protect license plates with tamper-proof mechanisms.
•    Require employees to park in shelters and garages whenever possible. 
•    Always lock company cars when they are unattended.

Since the likelihood of recovering your company vehicle is only 50% percent within the first week it’s stolen, and reduces drastically beyond that point, you want to make sure that your employees are doing everything possible to safeguard your vehicles.

Ensure You Have Adequate Commercial Insurance Coverage
In addition to the aforementioned measures, you want to make sure that the commercial auto insurance coverage you have covers replacing your company car. Companies that purchase only the basic form insurance coverage may find that their insurance coverage isn’t sufficient with regard to car theft. 

Our local agents are available to help you determine the best insurance coverage for your company vehicles by comparing the difference between basic coverage and other types available. With one quick phone call, you can get a commercial insurance quote that will protect your cars and your business.

Any motorcycle operator on the roads in California is required to have minimum liability insurance. That means that if you’re in a motorcycle wreck and you’re liable, the law requires you to pay the damages. The required minimum liability coverage for a motorcycle in California is $15,000 per person, $30,000 per occurrence and $5,000 in property damage

It doesn’t take much of a hit to cause $5,000 in property damage. If you have a rider and wipe out, and your rider ends up in the hospital for two weeks, $15,000 will be exhausted in a few days. If you’re hit by an uninsured driver, you’re going nowhere with your minimum liability coverage, because you’re not insured for that risk. If you’re hit by somebody else who’s riding on minimum coverage, your out of luck too after their $15,000 runs out. Minimum coverage just isn’t enough.

We’re independent insurance agents. We’re responsible and trustworthy people who live and work with you in your community. As opposed to most agents, we don’t just sell policies for one single company. We can offer you a variety of motorcycle insurance policies and coverage that can be customized to meet your individual insurance needs. When we speak, you’ll recognize those needs and want to cover them. That way, if you’re in a serious accident, you’ve prepared for all of the contingencies.

The options we can offer you are far greater and much more varied than what an agent for one of the super sized insurance companies can even talk about. We give you choices that will cover you all the way around. Even if you’re not shopping for motorcycle insurance, give us a call, and we’ll be happy to give you an evaluation. You’ll be happy you called us.