1. Does my homeowners insurance cover my firearm collection?
Answer: A regular homeowners policy provides limited coverage for your firearms. That coverage is usually limited to $1500 for losses caused by theft. The coverage also limits the losses your collection is insured against to, “named perils”, such as theft and fire.
Solution: We offer enhanced home policies with many of our companies that provide more coverage for firearms, up to $5000. We also offer both scheduled and blanketed firearm coverage. A schedule or a blanket can cover your firearms for “all risk”. Your firearms are covered beyond, the normally covered perils, to include things like losing a firearm because of a capsized duck boat or damages from breakage caused from dropping a weapon while hunting.
2. Do I have to give you each individual firearm’s serial number and other details?
Answer: If you are scheduling a firearms collection each firearm and it’s information would need to be listed on the policy.
Solution: By covering your firearms on a blanket policy you can insure your entire collection without giving the details of each firearm. Your entire collection would be covered up to a certain value. This works great for all but the most expensive individual firearms.
3. Is it expensive to insure my firearms?
Answer: It is more affordable than ever to insure your firearm collection and there are better options than ever.
Solution: By combining you home, auto, and firearms collection under the same company you can save up to 30% on your home and auto. Your firearms collection can be insured for as little as $10 per $1000 of coverage.
We can be reached by phone in California at 661-327-5531, in Idaho at 208-366-8366, by email agent@crosbyandcrosby.com or live chat below.
Crosby and Crosby Insurance has been helping our customers find great insurance since 1963. We are licensed to write business in California, Idaho and Wisconsin.
September 1st is a very special time of year for us and many of our customers. A morning dove shoot, Basque food for breakfast (lunch if you shoot bad) and a great afternoon BBQ, is local tradition. Here is our “very favorite” dove recipe for a great kickoff to September and another hunting season.
Ingredients
Dove Breasts, sliced jalapenos, red onion cut into small pieces, bacon, seasoned salt or other seasoning
1. Remove dove breast from bones keeping the membrane holding the two breast attached, this will give you a single piece and make a nice pocket
2. Liberally apply seasoned salt to both sides
3. In each section place 1 slice of jalapeno, 1 piece of red onion and a crumble of blue cheese
4. Close breast section up to form a pocket and wrap 1/2 slice of bacon around each portion and close with a tooth pick
5. Grill over medium high heat until bacon is crisp. This will leave the dove a perfect medium rare and soften the blue cheese.
Have a great shoot and be safe. Always remember the 3 basic rules of firearm safety…
1. Always keep the gun pointed in a safe direction.
2. Always keep your finger off the trigger until ready to shoot.
3. Always keep the gun unloaded until ready to use.
When it comes down to a single thing that sets us apart, it is certainly the relationship we have been building with our customers since, 1963. We strive to offer the very best insurance companies. Companies that have the best coverages to meet our customers needs. We stay up to date on coverage enhancements that can save you money and give your better coverage. But, ultimately it is knowing that you can call and talk to someone you are familar with and that is familiar with you. Ultimately it is coming into our local office and seeing us face-to-face. That relationship is what sets us apart from the competition.
We don’t write a policy and then hand off the service to someone that you don’t know. Your relationship with Crosby and Crosby is through your agent. That is simply the best way to guarantee that someone familiar with your account and your individual needs is going to be there to assist you.
Many of our clients we can recognize by voice and we certainly know you by name. That is what you are depending on in a situation where you really need some help with your insurance. You are looking for the peace of mind of having a friendly and familar voice on the phone or across the desk.
If you are looking to build a relationship with an insurance agent that you can count on call us 661-327-5531 in California or 208-366-8366 in Idaho.
Running a home based business is becoming very popular. However, without proper insurance, there may be some major gaps in your business’s coverage. Traditionally, a home based business would purchase a “commercial insurance” policy. Unfortunately, that coverage was often expensive and many insurance companies limited their writing of home-based businesses.
The good news: it is now possible for many types of home-based businesses to purchase insurance as part of their homeowners policy. Kemper Auto and Home offers “Home Business” endorsements for several classifications of home businesses. Coverages can be provided for business liability, loss of business income, business property, extended business income and extra expense. These coverages can be applied to many types of home businesses including accounting, bookkeeping, product sales, and crafts made in the home.
The premiums are very affordable and vary based on each risk. If you would like to talk more about insuring your home based business give us a call 661-327-5531 in California, 208-366-8366 in Idaho. You can also complete a quick online quote or or email us.
Crosby and Crosby Insurance Services is licensed to write business in California, Idaho, and Wisconsin.
The long days of summer are coming to an end and teachers are excitedly returning to their classrooms. You are excited right? There is some good news; about 179 days remain, and Crosby and Crosby offers teachers up to a 10% discount on their auto insurance.
We offer this discount for all full-time, and credientialed, teachers.
Combine your teachers discount with multi-policy discounts up to 25% for some great savings. Check with us or get a quote online.
Figuring out how much auto insurance coverage you need is the most important question you should consider when looking for insurance. Way too many companies and agents approach this question with a cookie cutter amount of coverage which can leave their customers severely underinsured. We liken that approach to purchasing a soda at a vending machine. You only have a few choices, and it may not meet your needs.
Deciding on the proper coverage limits that fit your individual needs starts with a conversation with an experienced and knowledgeable agent. If you are in the process of calling around and getting quotes you will notice that many agents will focus only on beating your current price. They may go as far as not even discussing coverage options with you. Basically if you are an executive and a father of 4 children, your coverage may be the same as a 22-year-old a day out of college. That approach can be detrimental in the event of a claim. It would be like buying a pair of shoes without regards to size because they were 15% less than the shoes you have.
Your conversation with an experienced and knowledgeable agent will always focus on meeting your insurance needs and properly protecting you. Some things to consider when deciding your coverage limits are; income, future income and assets. By first deciding what your actual coverage needs are we can then decide the best company to fit your needs.
Isn’t having really good coverage just too expensive?
By matching up your specific needs with the right coverage and company you can take advantage of some great discounts. Our companies offer discounts for safe driving, multiple policies, specific occupations and more. Not having the proper coverage is too expensive and can leave you in financial ruin.
Needs Change
Your insurance needs change. You need to have an agent that can help you meet those changing needs. You should review your insurance coverage anytime a major change in your life occurs. Examples of some of those changes would be; a change in occupation, marital status, having a child, buying a home.
The great thing about an independent agent like Crosby and Crosby is we offer the ability to meet your needs as your life changes. We offer several companies that offer a multitude of coverage options and enhancements.
So how do I figure out what coverage I need?
If you are new to our agency or want to review your current coverage with us give us a call in our California office at 661-327-5531 or our Idaho office at 208-366-8366. You will immediately see the difference in our approach to insurance and the protection that we offer.
Ultimately you purchase insurance to protect you in the event you have a unforeseen claim. No one plans to have a claim, but what can you expect when you have one?
Turning a Claim In
Turning your claim into your company is the first process in getting your damage repaired. As your agents we’re always available to help. Our companies claims departments are open 24/7/365 to get your claim started. Most offer the ability to turn your claim in online. You can view our online claims page to get stated.
What’s Next?
Once your claim has been turned in, you will receive a claims number and the contact information for the claims adjuster. That adjuster will contact you within 1 business day to begin the process of repairing your damage.
Crosby and Crosby will also receive a confirmation of your claim and be able to assist you along with the company.
Why you have an agent
Claims can be a very confusing time, especially for people who are not use to dealing with claims. As your local and trusted agent we are here to assist you and walk you through the claims process. The number one issue that we deal with is miscommunication between the claims adjuster and the insured. Claims adjusters deal with claims everyday. Many of our insureds dealing with claims for the first time.
As your agent we advocate for you and can help to smooth over the claims process and address any concerns that you, our client, may have.
Peace of Mind
Our history as a local agency for the last 48 years was built on giving our customers peace of mind. We represent the strongest companies and have long relationships with them. You can expect extraordinary service if you have a claim!
Who says insurance can’t be at least a little fun? Or that we can’t at least have a sense of humor? We have to share with you a video we found rather entertaining of our family member protecting the house from a 2 inch flying bat, strike that, a flying moth.
They have tremendous financial stability and are rated “A+ Best” by A.M. Best.
They have innovative coverages that help to meet each individuals needs.
They have superior claims service to assist in getting your damage repaired fairly and efficiently.
Travelers continually strives to offer more, and better products for their customers. They have introduced several options this summer that make Travlers even more attractive.
Raised account discounts up to 20% on your auto and 30% on your home for combining your home and auto policies. Don’t forget, Travelers offers extended multi-policy discounts for; valuable items policies, umbrellas and boats.
Lowered the first installment to a single month down if you set-up automatic deductions from your checking account or credit card. Plus you will save $5 monthly on billing charges!
Don’t forget the great commercials Travelers is becoming well known for. If you haven’t had a chance to check them out view them here.
September 1st is a very special time of year for us and many of our customers. A morning dove shoot, Basque food for breakfast (lunch if you shoot bad) and a great afternoon BBQ, is local tradition. Here is our “very favorite” dove recipe for a great kickoff to September and another hunting season.