November 14, 2025
AgencyWhat’s Not Covered by Standard Home Insurance
Understanding what your home insurance doesn’t cover is essential for securing your property. At , we know that homeowners face unique risks, from wildfires to earthquakes, and it’s important to be aware of common exclusions in standard home insurance policies. Let’s take a closer look at what may not be covered and where additional security […]
October 20, 2025
AgencyThe Differences Between Personal and Commercial Auto Insurance
Understanding the right type of auto insurance is essential for protecting yourself, your family, or your business on California’s busy roads. At , we often hear questions about the differences between personal and commercial auto insurance. Knowing how these policies differ can help you make informed decisions and ensure you have the right coverage for […]
September 15, 2025
AgencyHow Your Home’s Age and Condition Affect Insurance Costs
Your home’s age may be a key consideration in determining insurance premiums. While older properties may offer architectural charm, they often have increased risk factors. Factors such as dated electrical systems, aging plumbing, and worn roofing materials may increase the likelihood of claims, which in turn could lead to higher premiums or more limited policy […]
August 20, 2025
AgencyHow Electric Vehicles Affect Insurance Premiums Compared to Traditional Gas-Powered Cars
While electric and gas-powered cars share many common risks on the road, the differences in build, repair costs and value can influence how insurance companies assess them. Factors That May Influence Premiums for Electric Vehicles One key consideration is the cost to repair or replace an electric vehicle (EV). EVs have high-tech components such as […]
June 27, 2025
AgencyHow Driving Habits Affect Your Auto Insurance Premium
Insurance companies assess risk based on patterns. If your driving behavior suggests a higher likelihood of filing a claim, your premium may reflect that. Speeding can impact your rate. Even a few miles over the limit can be enough to trigger a citation, and multiple violations over time may signal a pattern. Insurers often view […]
April 22, 2025
AgencyIs Your Home-based Business Properly Insured?
Running a business from home comes with flexibility, convenience and cost savings—but it also comes with risks many entrepreneurs overlook. If you’re operating a home-based business in California, your homeowners insurance likely doesn’t provide enough coverage to protect your business assets or liabilities. Homeowners Insurance May Not Be Enough Most standard homeowners policies exclude business-related […]
February 14, 2025
AgencyThe Importance of Workers’ Compensation Insurance
Companies across all industries require a reliable team of productive and capable employees. However, injuries, illnesses and other health-related issues can adversely impact your staff’s ability to perform their duties. In these situations, it’s necessary to have appropriate measures in place that can help your workers recover from their ailments and manage financial repercussions. A […]
December 19, 2024
AgencyEssential Coverage Every Small Business Needs
Running a small business involves dealing with different types of potential threats that could disrupt operations or hinder your company’s growth and profitability. That is why many business owners invest in business insurance. This policy may protect your company from financial setbacks, allowing you to focus on growing and managing your business. What Is Business […]
November 25, 2024
AgencyRenting Out Your Home? Make Sure You Have the Right Insurance
As a homeowner, there may be times when you choose to rent out your residence to someone else. This can allow your home to provide a consistent and substantial source of income while continuing to accrue value in your own portfolio. However, by allowing others to occupy your property, you may no longer be able […]
October 22, 2024
dsinsInsuring High-Value Items in Your Home
When it comes to protecting your home’s contents, ensuring that high-value items are adequately insured is critical. High-value items include anything from jewelry and fine art to electronics and collectibles. These items often hold significant monetary and sentimental value, making having the right insurance coverage essential. High-Value Item Insurance Standard home insurance policies often limit […]