Restaurant and Bar Insurance

Every restaurant is unique. Therefore, the insurance program protecting each establishment should be unique, too.

Renters Insurance that protects valuables

People who rent typically have more valuable items that need coverage than they think. Have you taken an inventory recently?

Homeowners Insurance Coverage

Many California homeowners find themselves being dropped from their homeowner’s insurance carriers or their coverage rates are skyrocketing.

Insuring California’s Drivers

Accidents happen. Even the safest drivers can get into trouble on the unpredictable California roads.

Business Insurance Experts

Business is unpredictable. Buying California business insurance shouldn’t be.

Saturday, June 23, 2012

Renters Insurance from a local agent

Are you looking for affordable renters insurance in California? Let us help you find the right policy for you.

In the event of a burglary, would you be able to afford to replace your furniture, clothing, books, DVDS, sporting equipment and other personal possessions from your savings? No? Most people can’t and that’s why some level of insurance is usually necessary.

Rented homes are just as vulnerable to theft as owner occupied ones and just because you’re renting doesn’t mean you don’t have valuable possessions! So how do you determine how much coverage you need? Simple – add up how much it would cost you to replace everything in the event of a fire that destroyed it all.

While you’re doing that, make up a list of all the property you own. Against major items – particularly appliances - make a note of when you purchased it, and the cost. It’s a good idea to keep receipts for appliances. In the event of a claim you may be asked by the insurance company to show proof of purchase. If you don’t have the receipt, the packaging or box that the item came in, or a credit card statement verifying its purchase is usually sufficient. Having that proof will help speed up the claims process.

Don’t delay in covering your possessions against theft and destruction. Get an online renters insurance quote now from Excelsure Insurance or call us for assistance, we’d be glad to help you figure out would level of coverage you might need.

Sunday, June 3, 2012

Questions Asked When Purchasing Umbrella Insurance

If you knew the questions they were going to ask you on a game show beforehand, chances are you’d probably do very well. Life is not a game show, however, and it’s rare anybody becomes wealthy just from knowing the answers to a few trivial questions.

Nevertheless, you may just feel like a game show winner if you are ready for the questions your agent or broker might ask you when you are purchasing umbrella insurance. Naturally, you cannot know everything they’ll ask. But the more you know, the better it will go.

You might be asked what you own in addition to your auto. Do you have any other motorized vehicles, such as motorcycles or mopeds? Now, this may be an uncomfortable one, but are there any drivers in your household with mental or physical impairments? You might be quizzed about whether or not you have any employees at your residence. Your agent or broker might also ask if you care for any property that is not your own, which exceeds a value of $1,000.

Knowing how to respond to these queries won’t make the audience go wild or cause some witty game show host to reach over and shake your hand. But by being prepared, you’ll help the process go a whole lot faster.

If you have questions about umbrella insurance or you’re ready to take out a policy, contact a customer service representative now.