Tuesday Insurance Questions… Best Homeowners Insurance in Bakersfield, Million Dollar Liability Limits

QuestionMarkWeek #2 of our “Tuesday Insurance Questions. If you have an insurance question send us an email at agent@crosbyandcrosby.com

Question: What is the best homeowners insurance company in Bakersfield?

We all know of the tremendous growth in Bakersfield the last 30 years. Each individual zip code in Bakersfield is going to have different rating. As an independent insurance agency we have several great companies that are likely to be very competitive in each zip code along with providing the valuable coverage that you need. If you are speaking about the “best company” there is going to much more than price.

We know price is important but you should never sacrifice coverage or peace of mind. If you are looking for the very best coverage “enhanced” homeowners policies from Travelers, Kemper or Safeco provide additional coverage at a reasonable price when combined with your auto policy.

Can I get $1 million liability and unisured/underinsured motorist coveage on my vehicle without an umbrella policy?

Yes!!! Travelers Insurance now offers coverage limits up to $1 million for automobile liability and uninsured/underinsured motorist coverage. The benefits of $1,000,000 in limits on your auto policy in addition to or without an umbrella policy are that you are able to protect yourself and the passengers in your vehicle if you are injured by a uninsured or underinsured motorist.

To check with us on any of your insurance needs give us a call at 661-327-5531 in California or 208-366-8366 in Idaho. You can email us at agent@crosbyandcrosby.com.

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

Travelers Insurance Expands Mobile Tools with Android Application

travelers2If you haven’t had a chance to visit Travelers Mobile Tools page take a look at their new Android application in addition to their existing iPhone, BlackBerry and mobile web applications.

The new Android and iPhone applications help you take the right steps and keep you calm if you are involved in an accident. You can even begin the claims process immediately.

Of course your Crosby and Crosby personal agent is always available to quickly help you with any claim at 661-327-5531 in California or 208-366-8366 in Idaho.

What is the loss payee for Kern Schools Federal Credit Union?

Did you receive a letter in the mail or just finance a vehicle with Kern Schools Federal Credit Union? No problem it is simple… You must carry $1000 or less comprehensive and collision deductibles and list Kern Schools as loss payee:

Kern Schools Federal Credit Union                                                                                       

PO BOX 40490

Bakersfield, CA 93304

Are you a member of Kern Schools? Both Safeco and Progessive offer members of Kern Schools a discount on their auto insurance. Give us a call 661-327-5531 or complete an online quote.

Why Most Insurance Quotes Are Boring

Galt,_John[1]

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.

quotebutton

What Should I do if I am in a Auto Accident?

First off take a deep breath! Surely there are a million thoughts going through your head. If you have done your homework and chosen to protect yourself with a great insurance agent, caraccident1like Crosby and Crosby, your insurance is adequate and standing by to assist you in getting you back on your feet.

Once you have taken a big breath and accessed any immediate medical concerns for yourself and your passengers the following steps will help you to be safe and gather the information that you need.

 

  1. If possible move your vehicle to a safe location out of traffic.
  2.  If needed call 911 for medical or police.
  3.  Gather a pen and paper or even better yet your camera cell phone.
  4.  Document the time, location, conditions and the names of any witnesses available.
  5.  If you have a camera phone take pictures of the location, damage to any vehicles and with most newer phones you can even take a photo of the other parties documents.
  6. Exchange information with the other party. Do not admit fault! It is best to settle your emotions and let the police and insurance companies sort out fault.
  7. Turn your claim in. We are available to help, check out our claims page.

A great tool for those with an i-Phone or a Blackberry is Travelers (you can use with any of our companies for free) new app that can walk you through everything you need after an auto claim and help you to get the claim started right on your phone. You can find the apps and the mobile site available to anyone with Internet on their phones here.

What to expect from us once you have turned in a claim?

After you have turned in a claim with us you will hear from a claim adjuster within 1-business day. The adjuster will help to get your vehicle repaired and handle any bodily injury damages that occurred. They also can help you to get a rental car if you have chosen to carry rental car coverage.

As your agent we are always your independent advisor and can help to answer any insurance questions that you have, help to explain the claims process or help to solve any issues with your claim.

What to do before your claim!

The time to worry about your insurance coverage is certainly not when you are sitting in your wrecked vehicle. The best thing you can do for your own peace of mind is discuss and/or review your insurance needs today. We can help to evaluate you current needs in our 5-minute insurance review.

We are waiting for you to call us today to review your coverages. Go ahead and test us, I will bet we answer on the first ring! 661-327-5531

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.

dontwait

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.

quotebutton

The $10-Spot, Great Insurance Coverage Enhancements That Cost You Less than $10 Bucks!

$10 doesn’t quite go as far as it once did. It can go surprisingly far to make sure that you have the proper insurance coverages. We wanted to put a list together of 5-coverage

$10 still goes far in insurance

$10 still goes far in insurance

enhancements that will cost you less than $10 per month!

Personal Umbrella Policy- There is no better bang for your buck than a personal umbrella policy. Like an umbrella, an “umbrella policy” protects over your underlying coverages such as home and auto. If you had a loss that exceeded the coverage of your home or auto liability your umbrella would kick in. Umbrella coverages start at $1,000,000 and up to $10,000,000 in coverage is available. With new multi-policy discounts most customers can add an umbrella policy for much less than $10/month.

Enhanced Home Policy-  All of our companies now offer multiple levels of coverage options. Benefits include personal property coverage for breakage, increased policy limits, identity theft protection and increased valuable items coverage. The cost? Less than $10/month.

Scheduled Valuable Items Coverage- Valuable items like jewelry, firearms, and silverware have limited coverage. You can purchase coverage for $5,000 in valuable items for less than$10/month.

Identity Theft Protection Coverage-  Your insurance policy is the best way to purchase Identity Theft Protection. Travelers and Kemper have both recently increased the coverages for their Identity Theft Protection. The increased coverage better protects you if you should become a victim of Identity Theft. In addition to coverage the policies also help you to recover and repair your Identity.

Repair/Replace Coverage- Available for newly purchased vehicles “repair/replace” coverage will replace your vehicle if you are involved in a collision. If the vehicle cannot be safely repaired your vehicle will be replaced with a brand new model year. For example if you have a 2009 model year vehicle and it is “totalled” in an accident in 2011, you will get a brand new 2011 model year vehicle. Cost varies between vehicles but it is less than $10/month.

There are lots of great ways to get valuable coverage without spending a lot of money. By taking advantage of multi-policy discounts many coverages cost much less than you would think.

Want to talk to us about other ideas? 661-327-5531 in California or 208-366-8366 in Idaho. You can email us at agent@crosbyandcrosby.com.

Savings Alert: New Occupation Discounts with Safeco Insurance

Safeco_2colorSafeco Insurance now offers up to a 15% discount for certain occupations on their auto insurance. Safeco expects that up to 25% of its customers will qualify for the discount ranging from 10%-15%.

Highly Skilled Workers 15%- Doctors, Attorneys, Pilots, Accountants

High Educated Workers 10%- a broad range of occupations for those with 4-year degrees

Contact us today to find out if you qualify for the new discounts.

By Phone: 661-327-5531

By Email: agent@crosbyandcrosby.com

Learn more online: www.crosbyandcrosby.com

For other ideas about  Safeco Insurance view our Safeco Blog Posts.

To stay up-to-date on our newest ideas on how to get better insurance and save check out of Facebook page.

Other things we are reading today about insurance:

Winter Weather Tips for the Insurance Information Institute

Next Page »