“Puppies At Purves”: Yolo SPCA in Our Backyard!

A Fun, Free Donation Event in the Parking lot of Your Favorite Insurance Agency.   As part of our quarterly outreach and community involvement programs, we partnered with the Yolo County SPCA for a special, summertime event! On Friday, August 25th from 5-7pm we opened our parking lot to our furry friends from everyone’s favorite local shelter. The SPCA Read More

Do I have Earthquake Insurance?

No, you don’t. Ok, more accurately, unless you specifically remember buying it, you didn’t buy it. There are 2 big exclusions on a Homeowner’s policy that people worry about and wish they had, but typically don’t buy due to price.  Those two coverages: earthquake and flood.  Earthquake is a coverage that can be added to Read More

Update on PPACA Non-Discrimination

Key Federal agencies have decided that the new Affordable Care Act group health nondiscrimination rules are too complicated for taxpayers to apply without regulatory guidance.   Taxpayers can wait to comply with the rules until the agencies come out with regulations or some other type of guidance, officials at the Internal Revenue Service (IRS) say Read More

Quotation Frustration

If you watched the baseball playoffs this October, you couldn’t help but notice that insurance companies dominated the advertising space.  It was like the insurance carriers were trying to become the 4th American thing, “Hot dogs, baseball, apple pie and Insurance Commercials”.   I’m in the insurance business, and even I was sick of insurance by Read More

Rental Car Insurance – a Good Buy?

Summer is here and you’re vacation bound!  You found the best rate for a hotel and rental car and soon you’re flying away to your favorite vacation spot (or dreaded family reunion, but enough about my summer…).  You reach the rental car counter and they ask you if you want to buy the insurance.  As Read More

How does Earthquake Insurance work?

When you think of the things that can damage your home like fire, wind, water, flood and earthquake, you are making a list of “perils”.  At least that is how they are described in your Homeowner’s Insurance policy.  Most Homeowner’s policies are “open peril” or “all risk” policies, but even those names are tricky.  For Read More

Does Homeowners Insurance include Earthquake Insurance?

Does Homeowners Insurance include Earthquake Insurance? No, no, no, no, no.  Your Homeowner’s policy specifically excludes the peril of earthquake, unless you specifically add the coverage back on for a premium.  With lots of large earthquakes being reported in the news lately, we’ve received an increased interest in this coverage question.  I live in California, Read More

The Unhealthy Bill

Unless you live in a cave, you’ve heard that the big Health Care bill was passed on Sunday.  I’ve already posted my opposition to the bill and the results of my trip to Washington, DC earlier this month.  I’m disappointed in the passage of the bill for a lot of reasons, but will use this space to Read More