Insurance

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 […]

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 […]

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 […]

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 […]

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 […]

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 […]

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 […]

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 […]

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 […]

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 […]

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, […]

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 […]

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 […]

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 […]

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 […]

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 […]

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 […]