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.

Sunday, September 23, 2012

Car Insurance Basics for Costa Mesa California

If you’re looking for car insurance in Costa Mesa CA, we can help. We’re licensed in the State of California and our experience agents can find you the most affordable car insurance from a big variety of carriers.

If you’re new to the State, there are mandatory levels of liability insurance and you’ll need to show proof of insurance coverage when you go to register your vehicle. You’ll be pleased to know that our vehicle theft statistics are well below the national average – but that shouldn’t deter you from taking out comprehensive car insurance to protect your vehicle, because thefts do happen. And of course, there are other reasons to take out comprehensive insurance. It can cover you where collision insurance won’t. – fallen trees branches, storm damage, flood or acts of vandalism.

While auto theft rates are low we do have our share of vehicle accidents so additional liability and collision coverage should be considered.

When insuring your vehicle in Costa Mesa CA you must use an agency or insurer that is licensed in the State of California or your insurance won’t be valid – and that would be a nasty surprise in the event of an accident or theft.

Prices vary between carriers so shopping around for a good rate can make quite a difference. Of course, we’ve done a lot of the hard work for you – so why not put our experience to work for you! Use our online estimate form or call us for personal attention.

Monday, September 3, 2012

Costa Mesa Home Insurance Coverage Review

Have you reviewed your Costa Mesa Home Insurance Policy lately?
Living in Costa Mesa “The Best Place to Live” your home is one of your biggest investments and potentially an inheritance for your children. As such, you need to do everything you can to protect it. Regular maintenance of roofing and guttering will go a long way to protect your home from damage by the elements. A good weather resistant paint will protect the structure for years and lessen the necessity to repaint as frequently. Check under sinks occasionally for leaky pipes - they can cause a great deal of damage before you are aware of it. If you neglect routine maintenance around your home, you may be penalised in the event of a claim on your insurance.
A home insurance policy will generally protect your biggest asset from damage by fire, hurricane, hail, and lightning, covering for repair or replacement of your home. As such it is essential that you ensure you insure it for an amount sufficient to rebuild in the event of a total loss. Deliberately insuring your home for an inadequate amount is not a sensible thing to do and will only serve to disappoint you if you need to claim on it.
Home insurance will also provide you with coverage for legal expenses in the event that personal injury occurs to someone visiting at your home.
Why not call one of our agents at Excelsure Insurance for a hassle free homeowners insurance quote. We’re right here in Costa Mesa, so we are familiar with property values and will guide you in your choices.