Insurance

  • Rising Insurance Rates and the California Fair Plan

    If you drive a car, own a home or a business in California, you’ve more than likely noticed substantial premium increases, and in some cases, your insurance company has instituted a moratorium (pause) on new business, or even worse, they’ve left the state entirely.  I have been in the insurance industry for thirty-seven years, over […]

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  • New Year’s Resolution: Review your Insurance Portfolio

    I know that I’ve written several times about the importance of reviewing your insurance portfolio the past few years, but there have been so many changes, especially here in California, that it’s imperative that those of in the industry continue to remind our customers and the public. My agency recently celebrated our 33rd anniversary.  I […]

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  • California Workers Compensation

    You choose employees for the value they add to your business-whether a key member of your management team, a skilled technician, or your executive assistant.  If anyone suffers an on-the-job injury, you want to try and take care of them and minimize lost productivity. Who is required to purchase workers’ compensation insurance?  All California employers […]

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  • 8 Must-Ask Questions About Life Insurance

    Last month I wrote an article regarding the current state of insurance in California that pertained to the Property and Casualty market. There’s no doubt that the insurance industry is definitely going through some serious growing pains and major adjustments have been implemented with companies increasing rates and tightening their underwriting belts to try and […]

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  • Current State of Insurance in California…

    I’ve been working in the insurance industry for just over 36 years and coming up on 33 years as an agency owner. I have navigated my insurance agency through many changes in the industry over the years, including the Fire Insurance Moratorium in California following the Northridge Earthquake in 1994, when 93% of major insurance […]

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  • Safeguard Your Business and Employees

    You pride yourself on operating a safe, secure work environment where your employees can perform to the best of their ability while helping your business grow. Even in the most ideal circumstances, the reality is that accidents and illness still happen.  This is especially true in the pandemic world we currently live in.  A slip […]

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  • Homeowner’sInsurance and Fire Lines How does it affect you?

    If you own a home in Southwest Riverside County, or anywhere in California for that matter, you’ve likely been affected by fire line scores for your Fire Insurance/Homeowner policy. So, what is a fire line or wildfire score? The majority of California homes have a wildfire or fire line score, a property specific rating provided […]

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  • Annual Insurance Check Up During A Pandemic!

    Each year when Spring rolls around, I remind everyone of the importance of reviewing their insurance portfolio.  A change in marital status, birth of a child, new job, or the purchase of a home are just a few of the prime examples that create overlaps or gaps in coverage.   Now, throw in the Covid-19 Curveball […]

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  • 6 Tips to Prevent Home Burglaries

    Did you know that most burglaries happen between 10am and 3pm?  When you are out of the house, make it harder for a burglar to break in with these simple and safe tips. Landscape strategically- A few well-placed motion-sensor lights, some thorny bushes or plants, and a couple of prune trees can do wonders for […]

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  • Importance of Reviewing Your Insurance Portfolio

    I have mentioned the importance of reviewing your insurance portfolio in the past and it has never been more significant, especially with the unfortunate insanity that we have all had to endure this past year with Covid-19. Several small businesses in our community have suffered, particularly restaurants and those in the hospitality industry, including our […]

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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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  • Your Business Insurance Options Explained

    Minimum coverage options: Property Insurance can fund repairs or replacements for damaged physical assets when disasters like vandalism, fire, windstorms, or hail strike. Liability Insurance can protect against financial losses resulting from claims of injury or property damage caused by you or your employees and your products or services. Workers’ Compensation Insurance can satisfy your […]

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  • Celebrating 30 Years in Business!

    I am extremely proud that our little family insurance agency will be celebrating our 30th year in business on October 16th.  I began my career with Farmers Insurance in July of 1987 in the Carlsbad Regional Office Mailroom. I was a 21-year-old kid that planned on working in the regional office for the summer, before […]

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  • 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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