Packaging Your Bakersfield Home and Auto Insurance The Easy Way

A large majority of potential clients we meet say they are looking for a better deal on their insurance. Many of those potential clients aren’t taking advantage of the easiest way to save, combining their auto and home insurance.

Combining your home and auto insurance is the simplest way to get a better value for your insurance.

Crosby and Crosby Insurance has been helping Bakersfield residents combine their policies since 1963. Our great companies like- Safeco, Travelers and Kemper Preferred offer savings up to 20% for combining your home and auto policies.

Some benefits of combining your home and auto insurance are:

  • Savings up to 20%
  • Increased and enhanced coverages
  • Our package policies with Kemper Preferred and Safeco provide a single policy for both home and auto
  • A knowledgeable local agent to help you choose the correct coverage options and assist you with claims

It is now easier than ever to get a quote for combining your home and auto insurance. You can try Crosby and Crosby’s online rater now for a great comparison quote 24 hrs/day. You can talk to us at 661-327-5531 or stop by our office at 111 “H” Street.

Kemper Auto and Home is Now Kemper Preferred and Better Than Ever

Effective August 25th Kemper Auto and Home is now Kemper Preferred. The company feels the name change more accurately reflects the customers they design their products and services for- people like you!

We talk a lot about all insurance companies aren’t equal and all policies aren’t equal. Kemper Preferred is a company that puts a smile on our face. With Kemper, we know our cleints consistently receive superior products, services and claim handling that exceeds expectations and needs.

Have you considered Kemper Preferred?

Kemper offeres great coverage for your home, rental or condo, auto, boat, valuable, collectibles and excess liability needs.

Other than us telling you how wonderful they are we thought we should point out some of the benefits of their policies…

  • A package home and auto policy, yep thats one policy # and policy package per year for both your home and auto insurance. (Don’t worry we can separate the billing if your home is mortgage billed)
  • A blanket coverage for your dwelling, other structures and loss of use. 1 single coverage amount that lets you use coverage where you see fit.
  • Increased valuable items coverages for your important possesions like jewelry and firearms.
  • Auto policy limits for towing up to $300 and rental car coverage up to $75 per day!

Kemper designs superior products and services for people like you. They offer 4 different homowner’s contracts that will meet you personal insurance needs, regardless of your life state. We are especially proud of their Ultimate protection and and coverage such as:

  • All perils coverage for personal property includes normally excluded coverage like breakage. Can you say, plasma falling off the wall?
  • $15,000 in water backup included and up to $50,000 available. Yes water backing up through a sewer or drain is exluded on many homeowners policies.
  • $50,000 in Identity Fraud Protection
  • $10,000 in automatic jewelry coverage for losses caused by theft and $5000 for firearm losses caused by theft.
  • Up to 100% of Blanket Coverage for Ordinance or Law Coverage.

Are you preferred?

If you have a good driving record and are a responsible homeowner Kemper Preferred can help you to get a great value on your insurance. That is great coverage at an affordable price!

How to get a Kemper Preferred Quote or Contact Us

You can quote Kemper Preferred with our online rater now, give us a call in California at 661-327-5531 or in Idaho at 208-366-8366 or stop by our Bakersfield office at 111 “H” Street.

Want to read more about what we have been saying about Kemper?

Kemper Insures Home Business

Kemper’s Repair or Replace Coverage

Why Most Insurance Quotes Are Boring

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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.

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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.

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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.

Can I insure my home business under my homeowners policy?

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.

“Good Will and Confidence” – Thats What He Said

Selecting your insurance agent and company is a little different than smelling a tasty melon at the market or trying on another pair of shoes. So what ultimately do you hinge your decision on? Insurance is something you can’t smell, can’t look at in the mirror and ultimately comes in a rather large envelope with similar sounding terms and conditions.

Are all insurance companies the same? Is insurance just a commodity where the lowest price is the winner?

H.K. Dent, the founder of Safeco Insurance, said, “Insurance produces nothing, it replaces. We have nothing to sell except goodwill and confidence”.

So rather than producing a tasty melon that you can enjoy or a pair of shoes that look and fit great- we produce “goodwill and confidence”.

The good will and confidence; that assures you that you are getting the best value for your insurance, that lets you know a friend will be sitting on the other side of the desk when you need us and that our experience will help you to make the best decision, choosing your insurance.

Ultimately insurance is not equal. We have built our careers and our business on providing great insurance and a tremendous value to our customers. Our customers can feel, “the good will and confidence” we have been producing since 1963.

How do I insure my guns or firearm collection?

Your normal homeowners policy includes limited coverage for firearms. Your coverage is limited to “named perils” such as fire and theft and losses caused by theft are usually further limited to a lower dollar amount. Many policies limit coverage for theft of firearms to only $1500.

Getting more coverage…

There are 3 options on getting more coverage for your firearms:

  1. Scheduling each specific firearm: you can schedule each specific firearm for an agreed value to be paid in the case of a loss. I.E. you schedule your Browning Citori Featherlight for $2500 in value. Your Citori is now covered against “all risk” for $2500. Losses are not subject to a deductible.
  2. Blanket coverage: in our opinion the best way to cover a firearms collection is a blanket limit. If your total collection is worth $5000 you can blanket the coverage to cover each individual firearm and the entire collection up to $5000. Losses are not subject to a deductible.
  3. Write your home policy in an enhanced program. By taking an enhanced home policy you can have higher coverage limits in the policy. Kemper “Elite” covers firearms up to $5000 on an “All Risk” basis. Travelers “Platinum” covers firearms up to $3500 and Travelers “Platinum High Value” covers firearms up to $6000. Losses are subject to your homeowners deductible.

How much?

To schedule or blanket firearms the cost varies by county but prices start at $18 per $1000 in coverage. A $5000 policy would cost as low as $90.

What if I don’t want to list my firearms and serial numbers?

By using a blanket limit you can cover your whole collection without listing each firearm. You collection and each item will be covered for a single limit. It is always good to use a inventory sheet like this available at California Rifle and Pistol Association.

What about scopes, binoculars and other shooting gear?

We can blanket cover your optics and other shooting gear with both Kemper and Travelers Insurance. DO NOT be like our insured who turned a canyon corner and his Swarovski binoculars flew off the dash and out the window.

We are always able to help you answer any questions on your coverage. Remember each company is different so our blog should be considered general insurance information.

We can always be reached at agent@crosbyandcrosby.com, 661-327-5531 or an office visit at 111 “H” Street.

Should I have a personal umbrella insurance policy?

An umbrella policy or personal catastrophe policy protects you and your assets against large liability claims. It protects you if your regular (underlying) liability limits on your auto and home policy are not sufficient to cover an individual loss.

Personal Umbrella policies are written for amounts between $1 million and $10 million.

What does it cost?

Umbrella rates depend on how many vehicles, homes, recreational vehicles and other specific risks that you need to cover. A policy that covers a home and 2 vehicles will cost around $150.

New Discounts Make Umbrellas a “No-Brainer”

Both Travelers and Safeco now offer extended multi-policy discounts for writing an umbrella policy. You can save 5% with Travelers on your home and auto and Safeco now offers a 10% discount on your auto.

With the savings including an umbrella now would cost you less than $5/month in most cases and on some accounts may actually save your money!!!

What limits?

You need to consider among other things:

  • Net worth – including real estate equity- assets such as vehicles, boats and toys- savings and retirement accounts etc.
  • Future Earnings- Your future earnings need to be considered. If you were to have a judgement for liability over your policy limits your wages could be garnished.

Speaking with an insurance professional is advised. We have a 5-minute insurance review that can help you to decide the proper liability limits you should be carrying.

Underlying Limit Requirement

With an umbrella you are required to carry a minimum underlying liability limit on your home, auto, motorcycles and recreational vehicles. For the best rates you need to carry $500,000 of underlying liability.

If you would like to complete a free 5-minute insurance review give us a call 661-327-5531, email us at agent@crosbyandcrosby.com or if you are in Bakersfield stop by for an old-fashioned office visit at 111 “H” Street.

Should I Buy Gap Coverage on my New Car?

Purchasing GAP coverage from a dealer is usually much more expensive than covering it on your auto insurance policy.

If you are purchasing a new car you will likely be offered GAP coverage. GAP provides coverage for the difference between the loan amount and the actual cash value of the vehicle. For example if you purchase a new vehicle for $20,000 and 2 weeks later are involved in an accident, your insurance company will cover the “cash value” of the vehicle. Provided of course that you are carrying physical damage coverage. The “cash value” will be depreciated since the car is no longer “new” and will likely not cover the loan amount especially if you put down a small down-payment. If the cash value is $18,000 the GAP coverage will provide $2000 in coverage.

So it is worth it?  The dealer will likely offer a GAP policy for anywhere between $500 and $1000.

You are much better off to skip the dealers offer and cover it on your auto insurance.

Our 3 preferred companies- Travelers, Safeco and Kemper all offer GAP coverage. It is usually referred to as Loan/Lease Coverage.

It is available for around 5% of the comprehensive and collision premium. That usually works out to less than $25/year. In addition once your loan value drops under the “cash value” you can drop this coverage from your policy.

What about a lease?

A leased vehicle should always have GAP or Loan/Lease coverage. If your vehicle is totaled or stolen you will almost always owe more than the cash value of your vehicle in depreciation

Better than GAP or Loan/Lease…

We also offer Repair/Replace coverage for new vehicles. Repair/Replace goes beyond traditional GAP coverage in that it will provide replacement of your vehicle with “like kind and quality” if you vehicle is totaled and can not be safely repaired in a collision accident.

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