Tuesday Insurance Questions… Insurance for Boats, Moving Your Insurance to Idaho, Wood Shake Roofs

QuestionMarkToday we are kicking off our new Tuesday Insurance Questions to help answer all of your insurance questions plus anything else you can throw at us. If you have a specific question you would like us to answer send us an email at agent@crosbyandcrosby.com.

Question: What is the best way to get insurance on my boat and what coverages should I choose?

Answer: The days of having to write your boat with a separate company from your home and auto insurance are in the past. The best way to get both the best value and the best coverages for your boat is combining the boat coverage with your home and auto insurance. For example Safeco, Kemper and Travelers all now offer excellent boat coverage for everything from wake boarding boats to bass boats. The best thing is that adding a boat policy may actually give your a discount on your other policies such as auto and home!

A boat insurance policy is going to have several options. You are going to want a policy that offers “agreed value” in the event the boat is destroyed. That is the policy will pay a value that is agreed to on the policy as opposed to a depreciated amount. Don’t forget coverage for the trailer and personal property such as fishing equipment and electronics that you may keep on the boat.

Last but not least you are going to want to discuss your coverage needs for both liability and uninsured boaters coverage. Don’t skimp on the uninsured boaters coverage! Many boaters on the water chose not to carry any coverage and in the event they cause an accident the uninsured boaters coverage will protect your and the passengers on the boat.

Question: I am moving from California to Idaho and need to transfer my insurance. How do I do that?

Answer: Many agencies are to be licensed to do business only in California. Crosby and Crosby is both licensed to write insurance in Idaho as well as having a local office in Boise. If you are currently insured with Travelers, Safeco or Kemper we can help you to transfer your existing California policy to Idaho and maintain all longevity credits that you are receiving. Our phone number in Idaho is 208-366-8366.

Question: I have a wood shake roof and am currently getting cancelled by my current insurance company. What can I do?

Answer: We have written several blog post about wood shake roofs including this one, “The Best Way to Get Homeowners Insurance for a Wood Shake Roof”. If your roof is in relatively good condition and less than 25 years old we can help find you great coverage. You can even quote and purchase online here.


Crosby and Crosby Insurance is a leading independent agency for great companies like Travelers, Safeco and Kemper Auto and Home. We are licensed in California, Idaho, Washington, Oregon and Wisconsin.

We can be reached to answer any of your questions at 661-327-5531 or 208-366-8366 in Idaho or you can email us at agent@crosbyandcrosby.com

Why Most Insurance Quotes Are Boring


Get an instant comparison insurance quote with us now

We talk to people all day long who are shopping for new insurance. Most of them are reluctantly doing their insurance shopping because they were forced to by bad customer service and a lack of options with their current company or agency. In a daze they spit out the same information over and over again as they go from agency to agency being asked exactly the same questions in exactly the same way.

There is no reason getting an insurance quote should be boring! You are doing something that will help to protect your family and hopefully is going to help you get a better value along the way.

Why should you go through the repetitive task of comparing exactly the same coverage over and over and hoping you come across a good deal?

There is a better way to shop for insurance. It starts with having several options and companies to chose from and ends with building a relationship with a trusted agent that can help you to make the best decision on your insurance.

Whether you prefer to call us on the phone or complete your quote online with Crosby and Crosby you are going to get several quotes with different options to compare. You can save time and compare options from great companies like Travelers, Kemper Auto and Home and Safeco Insurance.

You can call and discuss your quote with one of our agents at 661-327-5531 or if you prefer you can quote online now.


Quote and Buy Safeco Insurance Online and Get a Great Agent

There is certainly a lot of benefits to shopping for your insurance online and being able to quote and even purchase a policy online. With Safeco’s new quote and issue feature you can take advantage of Safeco_2colorthe best of both worlds by purchasing a policy online and at the same time partnering with a great agent.

Many people think buying direct from the company can save you money. Whether you buy insurance directly from Safeco or from our agency the cost is exactly the same. What you get when you purchase your insurance through our agency is a trusted partner. As a, H.K. Dent recognized agency, Crosby and Crosby Insurance has been recognized as one of the top 10% of all Safeco agents in the nation.

The 1-on-1 Difference

With Crosby and Crosby Insurance you are assigned one agent that will handle your account during your application, will assist you with claims, and will be your independent advisor to make sure you are getting the proper coverage.

Get a quote now!!!

You can quote online 24 hours a day and even purchase the policy.






Contact Us

If you have questions or would like help with your quote call us at 661-327-5531 in California, 208-366-8366 in Idaho or toll free 1-888-710-7816.

Crosby and Crosby Insurance Services is licensed to write business in California, Idaho, Washington and Wisconsin.

What is Going on with Bakersfield Home Insurance?

I was speaking with a potential new customer on the phone last week about her 20+ year relationship with her current insurance company. Her current agent represents a single company. Over the years her rates have been going up but this newest renewal she had an increase of over 20%.

For the last 5 years insurance rates have been fairly steady. Within the last year many companies have had substantial increases in their premiums.

While speaking with this customer I explained to her the simple but effective way we have been able to help our customers when insurance rates rise.

- Maximize discounts! Many times when a company files for a rate increase they may change or add a new discount to keep the premium attractive to their preferred customers.

- Offer multiple companies! By representing multiple companies we can offer other options. I couldn’t imagine being able to only offer our customers a single insurance company. If one company raises rates we can shop around for the best value for our client.

- Review our clients needs! Sometimes by spending 5 minutes  we can better access our clients changing needs. Many people that were only comfortable with a $500 deductible 10-years ago may be better served with a $1000 deductible today and so on.

By taking advantage of the simple things that I have mentioned above you can make sure you are getting the best value for your home insurance.

Give us a call today 661-327-5531. Ryan, Scott, Larry and Paula are waiting to help you with all of your insurance needs.


The Best Way to Get Homeowner’s Insurance for a Wood Shake Roof

Many companies are making it harder to insure homes with a wood shake roof. With our agency and through Safeco Insurance you can now quote and issue home insurance for wood shake roofs up to 25 -years old instantly online.

woodshakeIf your home is currently: owner occupied, in above average condition and loss free (1 small weather related claim may be acceptable), you should consider Safeco and Crosby and Crosby Insurance Service for your home insurance.

Click on our quote link and you will be able to securely and quickly get a quote on your home insurance. The entire process takes about 5 minutes and you can complete your quote with very little information. Once you quote has been generated you can purchase your quote directly online or contact one of our agents at 661-327-5531 and get a free insurance review and have all your questions answered.

You can instantly quote your home insurnace and purchase the policy online if you live in California, Idaho or Wisconsin.

 Tips for Quoting Your Wood-Shake Roof

  • You can save up to 15% for combining your home and auto insurance
  • Your roof should be in good physcial condition. If you have questions call 661-327-5531 or email us at agent@crosbyandcrosby.com
  • The quote process from completion to purchase should take less than 10 minutes

You can enjoy the advantages of having a trusted agent and the convenience of quoting and purchasing your policy online 365 days a year/24 hours/day.

Crosby and Crosby Insurance Services is an independent agent serving California, Wisconsin and Idaho.

Should I Purchase Earthquake Insurance?

Should you purchase earthquake insurance for your home? That is a question that we hear often because homeowners insurance companies in California are required to offer

USGS Earthquake Map

USGS Earthquake Map

earthquake insurance to their policy holders. You will always receive an offer when you write  a new policy and at least every other year after that.

Should you take that offer?

You should make that decision based on the following 2- questions:

Could an earthquake destroy my house?

Would a earthquake destroying my home cause me to go bankrupt or have great financial pain?

Both of those answers are clearly; YES! If you live in the Western United States we are always waiting for the “big one” that would destroy our home in seconds. The damage or destruction of your home would cause the vast majority of us to go bankrupt or have great financial pain in trying to recover.

“Isn’t Earthquake Insurance very expensive”? Earthquake insurance rates have been falling in recent years and are quite affordable. Most homes in California can be insured for earthquake coverage for a few hundred dollars per year. Insurance Companies tend to have short memories and the Northridge Earthquake in 1994 was the last major earthquake event in California. In fact the Northridge Earthquake completely reshaped the California home insurance market with as much as $25,000,000,000 in damages.

“Isn’t Earthquake Insurance very limited in what it covers”? As rates have fallen, the coverage offerings have also improved. You can now purchase a policy with a lower 10% (as opposed to 15%) deductible, increased coverage for personal property, loss of use and building code upgrades.

“How do I purchase coverage”? Most earthquake insurance is required to be written through your homeowners insurance policy. Many companies allow you to purchase earthquake insurance at any time during your policy (prior to a loss of course). Some companies only allow you to start an earthquake policy when they offer it each or every other renewal.

“If I have a big loss and my home is destroyed I am sure the state or federal government will help me to rebuild”. It is actually a very common response when talking about earthquake insurance. We help our customers protect themselves and their families and it certainly is not prudent to “hope” that the government will step in to help when you need them.

If you have questions you can talk to us by phone 661-327-5531 or by email at agent@crosbyandcrosby.com. You can also complete an instant quote here.


Update: Travelers Insurance Enhances Coverage for Identity Theft

In 2009, 11.1 million adults were victimized by Identity Fraud. In addition to the $25,000 in coverage offered Travelers has added additional coverage to meet insureds needs. Some of the coverage enhancements that have been added include the possible reimbursement of expenses such as:

  • expenses related to medical identity fraud,
  • expanded attorney fees for tax and employment fraud,
  • travel expenses up to $1000/week for up to 5 weeks when victims are required to travel to the jurisdiction in which the identity fraud took place,
  • expenses and fees associated with acquiring new identification cards, drivers licenses and passports.

In addition Travelers provides customers access to a consumer fraud specialist that can assist in the process of restoring their identity. Joe Reynolds, Identity Fraud Product Manager for Travelers said, “a survey of Travelers claims data show that most people fall victim to identity theft through old-fashioned tactics such as stealing someones license, passport or Social Security card and then committing complex frauds with the easily acquired information.”

Remember to keep your important documents secure- if you haven’t done so speak with us about Identity Theft Insurance. It is available for all Travelers homeowners, renters, and condo customers  for $25 per year. We also offer Identity Theft Protection for our customers insured with Kemper Auto and Home and Safeco.

Call us at 661-327-5531 in California, 208-366-8366 in Idaho

Come to see us in Bakersfield at 111 “H” Street

Or email us at agent@crosbyandcrosby.com

You can also chat live with us below-

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How do I get insurance for a home with a wood shingle roof?

Question: How do I insured my home with a wood roof?

woodshakeThe Crosby Solution:

Insuring a home with a wood shake roof has become more difficult as many insurance companies have decided not to offer insurance on homes with wood roofs. In addition, many companies have age restrictions on wood roofs and since most builders stopped using wood roofs in the late 1980′s age restrictions are causing many people to be cancelled or have difficulty finding insurance.

The insurance solution for you wood roof depends on what sitution you fall under.

My roof is newer than 25 years old and in good condition

If your roof is newer than 25-years-old and in good condition finding a great policy to meet your needs is as simple as talking to an independent agent like Crosby and Crosby or getting an online quote now. You should not be required to pay a surcharge for a wood-roof less than 25-years old and can find a highly rated, preferred company to write your policy. To judge the condition of your roof there should not be; excessive curling of the shingles, missing shingles, or loose shingles on the roof.

My roof is older than 25-years-old or in poor condition



 - The best option would be to find a company that offers a full “homeowners” or HO-3 contract. The policy will likely be more expensive but in the event of a loss such as, wind damage to the roof or water leaking through the roof and damaging your contents, you will have the coverage that you need.

Roofs with loose, missing or curled shingles require specialized insurance

Roofs with loose, missing or curled shingles require specialized insurance

If you roof is older than 25-years-old or in poor condition it will be harder to find  a company to meet your needs and will likely be more expensive. But, if you are trying to buy some time before paying to replace the roof there are some options.



- Another option may be to find a policy with an exclusion for losses arising out of damage to the roof. Because coverage is limited you should only consider a policy like this if your roof is in very bad repair and there is not another option.

Contact us for more information

If you have a question about insuring a home with a wood roof we would love to help. We are licensed to do business in California, Idaho and Wisconsin and can answer insurance questions for homes in those states. You can get an instant quote here. You can contact us at 661-327-5531, 208-366-8366 (Idaho), by email at agent@crosbyandcrosby.com or by using our live help link below during normal business hours.


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Not Another Boring Single Option Insurance Quote

Getting insurance quotes may be the most boring and tedious thing to do next to watching paint dry. We know how it usually goes; get an agent on the line, spout off your current coverages, hear some typing on the other end, and cross your fingers that it saves you a few bucks. Is that really the best way to purchase insurance? Isn’t it an awful lot like purchasing your insurance from a vending machine? That may work for some people but quite honestly it doesn’t work for our clients nor is what they have come to expect from us the last 47 years.

“Quote” or “Needs”?

Think about this, how many times when you get a quote is there even a faint mention of assessing what your actual needs are? Whether you are a millionaire doctor or a college student the agent in a montonious tone spits out a “quote” all the same. But don’t you have actual insurance “needs”? We certainly know that value is important to everyone. But what else is important? Could you afford a $2500 deductible if you had a loss on your home? Would the state minimum auto insurance protect your family and your wealth if you were involved in even a minor accident? Would having to pay to rent a car while your car is being repaired from an accident strap your budget? If that great wedding ring you cherish were to lose the center stone would you be able to replace it without great financial difficulty?

The Single Company Quote

Buying insurance through a virtual vending machine is bad enough. But, what if that vending machine had only a single choice? We have always believed our customers deserve the choice of several highly rated insurance companies. Some companies provide a better value for a certain zip code or age group. One company may provide the exact set of coverage options that you need. We always quote several great companies to meet your individual needs.

A Single Coverage

Did you know that raising your auto coverage limits for example, from 100,000 per person/$300,000 per accident to $250,000 per person/$500,000 per accident, may cost you less than $100 per year. Or that adding valuable items coverage, for $10,000 in jewelry, may actually save you more money on your auto policy, with a mult-policy discoun,t than the premium for the additional coverage? There are many options that you should consider when purchasing your insurance. Insurance is too valuable to look at only a single coverage option.

Not another boring insurance quote

We talk to plenty of people that are doing the tedious task of flipping through the phone book and checking on insurance. Usually, those people are half asleep with their eyes surely glazed over waiting for another boring insurance quote. They quickly awaken as we take a different approach to their needs. You see, we don’t look at the person on the other end of the line as someone we can write quick, make a few bucks and then is going to ride off into the sunset in 6-months. We are more concerned with assessing what your actual needs are and finding you the very best company to meet those needs. Our clients become a long-term and trusted relationship that we cherish. More than often they become friends and we simply wouldn’t write friends with anything less than coverage that actually met their needs.

Our process is pretty simple and it doesn’t take a lot of time, just a little bit extra that can go a really long way. After our review that usually takes less than 5 minutes we will have several great options with different companies for your review. Even if you ultimately chose not to use us as your agents, our needs review can be very valuable.

Now doesn’t that make a lot more sense than flipping through the phone book all day and hearing exactly the same pitch?

Not for everyone

We certainly know that this approach is not for everyone. But, it is the right approach for people that value really great insurance and options. We value each one of our current and our future customers and always intend a relationship that is based on mutual trust and value. We focus our time and resources on the best customers!

Start a different approach to your insurance needs today

We would always love to talk to you about what we offer. You can give us a call at 661-327-5531 (California Office) or 208-366-8366 (Idaho Office). You can email us at agent@crosbyandcrosby.com or stop by our Bakersfield office at 111 “H” Street.

You can start an online quote or read more insurance ideas on our blog

Can’t talk at work but would rather chat online? We are available during normal business hours here.

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Home Insurance in Tehachapi and Bear Valley After the West Fire

The  West Fire that burned nearly 40 homes southeast of Tehachapi has changed the home insurance market in that area. Many insurance companies are now tightening their underwriting requirements and causing many homes to become difficult to insure. If you are buying a home and looking for coverage or having problems with your existing coverage, we have some great solutions.

There still are great companies to insure homes in Tehachapi

Some companies have certainly tightened their underwriting in Tehachapi, but there are still solutions available to get a great policy. We have many companies that are still insuring most homes in the area.

Bear Valley

Bear Valley has a history of taking  precautions with their brush clearances to prevent a major fire. These precautions in addition to being a gated community allow Bear Valley homeowners to continue to be insured by many of our insurance companies.

High Brush Area without Fire Department Protection

If your home is in a high brush area and more than 5 miles away from a fire station, many companies are not willing to write a home insurance policy for you. We have been able to place many of these hard-to-insure homes with our companies that specialize in high risk areas.

An Innovative Solution

For homes that are the most difficult to insure, we have come up with an innovative solution. By writing a policy with the California Fair Plan, we are able to properly cover our insureds with a “wrap-around policy” from another company. The California Fair Plan policy has big gaps in coverage and does not provide a sufficient policy for most homeowners. By writing a second policy as a “wrap-around” we can fill in those gaps in coverage. A “wrap-around” policy may be a good solution for you and can even be used to provide a multi-policy discount.

We can help you find the right policy for your needs

Give us a call 327-5531, email us at agent@crosbyandcrosby.com or stop by our office at 111 “H” Street

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