Insure FYI

Search This Blog

Home Quote

Get link
Facebook
X
Pinterest
Email
Other Apps

Get link
Facebook
X
Pinterest
Email
Other Apps

Pages

Home
Home Quote
About Me

12 Ways to Lower Your Home Insurance

By: Kevin Callon Boyle, Esq. | Farmers Insurance Agency | (818) 699-1789 Homeowners' insurance premiums can vary greatly depending on your home, the location, the carrier and amount of coverage, and you have the opportunity to lower your rates at any time. Here is a strategy, and several things to keep in mind, that will help you reduce the price: Do Your Own Due Diligence (but also find a trusted professional). When you speak with an insurance agent or broker, remember that your agent gets paid commissions as a percentage of the premium. Many times insurance agents work to drive up the price or simply don’t tell you ways that you can save on your insurance - so they can get paid more. However, a good insurance agent realizes that his or her business will do much better if it is aligned with the goals of the insured (your goals), which is to provide affordable insurance that adequately covers their client’s risk. You will know in the first few minutes, whether your agent...

Insurance: Don't Forget Your Umbrella

Umbrella Insurance is just like it sounds. It’s insurance coverage over and above your other insurance policies and extends your coverage for personal or business liability. It’s an affordable and easy way to increase liability coverage without changing and paying for coverage on all of your underlying policies. This includes both personal umbrella and commercial umbrella policies. Cover Your Assets Yes CYA is the primary reason for umbrella insurance. Even though this is personal liability coverage and not personal property or business property coverage, your assets become exposed, and at risk, when you are exposed to liability. If you are sued and there is a sizable judgement against you or your business, a plaintiff will execute on that judgement and seek possession of your assets to satisfy the judgement. So the need for an umbrella policy and extended personal and business liability coverage is a means of protecting your personal property and re...

5 Reasons You Need Renters' Insurance

As a renter, you probably want to purchase a home at some point, and you are saving for a down payment. However, If your savings becomes consumed by the risks you experience while renting, home ownership will only be a dream. Whether you are renting an apartment, condominium, townhouse or single family home, you need to understand the risks associated with your rental property and plan accordingly. Unfortunately, most apartment dwellers don’t believe they need insurance because they don’t own the property. However, besides protecting the structure, a renter is still exposed to the same risks as a homeowner and coverage is needed for those risks. So the following five points explain why you need renters’ insurance. 1. Personal Property Coverage . Personal property is probably the most important coverage you will need as a renter. A renters' policy will cover personal property wherever it may be located, anywhere in the world. So for examp...

Kevin C. Boyle, Esq.
24007 Ventura Blvd. Ste 260
Calabasas, CA 91302
Office: (818) 699-1789
Cell: (818) 451-3878

Powered by Blogger