Insurance

  • 8 Must-Ask Questions About Life Insurance

    Are you convinced that life insurance is important for you, but don’t want to spend weeks running around comparing rates and providers? Here are eight critical questions to ask your agent about life insurance. Keep in mind, these probably aren’t the only questions you have, but they’re the ones you won’t want to leave without […]

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  • Commercial Real Estate Insurance

    What’s in your commercial real estate portfolio?  Maybe your renovated strip mall is attracting upscale tenants.  Perhaps your family business thrives on a mix of industrial properties, warehouses and distribution centers.  Or you might own office buildings and self-storage facilities. Each commercial property is unique, and an insurance agent/broker can show you a full menu […]

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  • 5 Smart Tips for Parents of Teen Drivers

    You knew this day would come, but who knew it’d be so soon!? Wasn’t it yesterday you were putting them in their car seat, pushing them in a stroller, and teaching them to ride a bike? Now they’re ready to drive! When the heck did that happen!? Let’s be honest…parenting a teenager these days is […]

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  • Workers’ Compensation Insurance

    The California workers’ compensation marketplace today remains generally healthy for insurers, employers and injured workers, according to Bill Mudge, President and CEO of the Workers’ Comp Insurance Rating Bureau.  Mudge said a stable lost cost environment coupled with the growing California economy has contributed to eight consecutive advisory pure premium rate reductions approved by the […]

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  • “Now is the Time to Step Up and Help Each Other”

    My wife Kathy and I are extremely blessed that our Davis Family Agency is able to service our Farmers Insurance customers from home during the Stay at Home Order. As you can imagine, the turnaround time will likely be a little slower, but the service will remain strong. I’ve spoken to friends that own insurance […]

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  • Do I Really Want Renters Insurance?

    Quick take: Reasons to consider renters insurance Renters insurance can help you repair or replace property after loss due to many types of damage or theft. It can provide coverage for an accident on your property. Policies have very affordable annual premiums. Your landlord’s property insurance doesn’t cover your personal property. Q: I just got […]

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  • What You Should Know About Tenants Improvements and Betterments

    PART OF THE BUILDING Tenants improvements and betterments are paid for by the tenant but become part of the building. Unless a contract states otherwise, the landlord generally obtains ownership of the upgrades once they have been installed. The tenant maintains an insurable interest in the use of the improvements. The tenant’s interest in the […]

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  • Rates are down in Southwest Riverside County

    We are coming up on the 26th Anniversary of the devastating 6.7 Magnitude Northridge Earthquake that occurred on January 17, 1994. As I type this, a 4.3 Magnitude Earthquake was recorded today (December 17, 2019), 21 miles from Paso Robles, CA. I published an Earthquake article with The Valley Business Journal in August of 2016, […]

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  • Workers’ Compensation Insurance

    The California workers’ compensation marketplace today remains generally healthy for insurers, employers and injured workers, according to Bill Mudge, President and CEO of the Workers’ Comp Insurance Rating Bureau.  Mudge said a stable lost cost environment coupled with the growing California economy has contributed to eight consecutive advisory pure premium rate reductions approved by the […]

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  • Seamless Protection for Rideshare Drivers

    Generally, your personal auto insurance policy wasn’t designed to provide you with coverage when you are working as a rideshare driver with companies like Uber. And, rideshare companies’ full commercial liability coverage doesn’t apply until you accept a ride. With Farmers Rideshare, you can avoid a potential gap in coverage by extending your personal auto insurance […]

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  • 10 Things You May Want to Do After an Auto Collision

    If involved in a collision, there are specific actions to take to protect your interests. The following information while not complete are the top ten suggestions: 1. STOP. Never drive away from the scene of a collision, even a minor one. Always investigate, obtain names, take pictures, etc [see below]. 2. PROTECT THE SCENE OF […]

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  • Spring Cleaning…It’s Not Fun, But it Has to Be Done!

    I wrote an article for The Valley Business Journal a year ago this month titled ‘The Importance of Reviewing Your Insurance’ and it basically stated the obvious, as your life changes, so should your policies.  A change in marital status, birth of a child, new job or the purchase of a home are just a […]

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  • The Business Need for Disability Insurance

    Although sole-proprietorships and partnerships are generally the most vulnerable, corporations, particularly corporations built around one or two individuals, are also at significant risk.  However the business is organized, when you consider the likelihood that you or one of your key employees may become disabled, there is a clear need to protect both your personal income […]

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  • 5 Smart Tips for Parents of Teen Drivers

    Let’s be honest…parenting a teenager these days is serious business, (what with the Internet, social media, smart phones, texting, and all that loud music!) and getting them ready for the road can be terrifying. So to help make your teen smarter behind the wheel plus help stop your hand from shaking as you hand over […]

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  • AB 2883: New California Workers’ Comp Law Effective January 1st

    Effective January 1, 2017, California has amended the definition of an employee under Workers’ Compensation law and who can elect to be excluded from having workers’ compensation coverage.  Specifically, an officer or member of the board of directors of a corporation must own at least 15 percent of the issued and outstanding stock of the […]

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  • What Can Pet Insurance Cover?

    Farmer’s has chosen Pets Best, a trusted leader in Pet Insurance to offer the following coverages: Accident & Illness Plans: Protect your pet by making sure that they’re covered for unexpected accidents and illnesses. Plans from Pets Best offer you comprehensive coverage for: Injuries Illnesses such as allergies and diabetes Surgeries Hereditary and congenital conditions […]

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  • Earthquake Insurance

    Why Earthquake Insurance?  Earthquakes can do a great deal of damage to a home and the personal possessions in it.  A severe earthquake can completely destroy a home and its contents.  Such a loss, if uninsured, could devastate most individuals and their families. Excluded from Standard Policies – In most homeowners, renters, and condominium unit […]

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  • Your Business Insurance Options Explained

    While your day-to-day operations are complex, understanding Business insurance doesn’t have to be. There are coverage options available to protect just about every aspect of your business from employee injury to natural disasters. Some insurance is required by law and others by business associates, such as lenders and landlords. Obtaining the right type and amount […]

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  • Personal Umbrella Liability Insurance

    Life is unpredictable, and as much as you plan, there’s always something around the bend that never crossed your worried mind. If the unexpected occurs, do you have enough liability limits to protect your and your family’s assets the way you want? If you were found liable for an accident, would your current liability limits […]

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  • Does Your Policy Cover Earthquakes?

    Facts About Earthquakes and Earthquake Insurance Rates for Earthquake insurance can vary significantly. Generally, in earthquake-prone areas, the cost of this insurance is relatively high. In other areas, it is relatively inexpensive. In California, Earthquake insurance is issued by an independent organization, the California Earthquake Authority (CEA). CEA policies are available through your agent. There […]

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  • Fire Season Is Early, So Be Prepared…

    Every weather expert predicted a fierce El Nino to hit Southern California this Winter, unfortunately we never received the needed precipitation.  With that said, we don’t need experts to tell us that Fire Season will likely be arriving early this year, that’s evident by the recent wild fires burning in the Santa Barbara and Duarte […]

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  • Spring Cleaning…..It’s Not Fun, But it Has to Be Done!

    I wrote an article for The Valley Business Journal a year ago this month titled ‘The Importance of Reviewing Your Insurance’ and it basically stated the obvious, as your life changes, so should your policies. A change in marital status, birth of a child, new job or the purchase of a home are just a […]

    Read more