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

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.


Is NRA Insurance the best way to protect your firearms?

Being a member of the NRA has many benefits including coverage for your firearms. I often am asked, “is the NRA insurance the best way to hollandandhollandprotect my firearms?”

The insurance policy offered to current members of the NRA covers, “firearms, airguns, bows and arrows against theft, accidental loss and damage” up to $2,500.

Insuring Larger Collections

For some gun owners the included NRA insurance may provide adequare coverage. You can purchase additonal coverage under the NRA plan for $17.40 per $1000 in coverage. 

For collectors, shooters and hunters that have substantially more expensive firearms collections the best bet is looking for a policy that offers “blanket protection”. Many gun owners do not want to provide serial numbers for each firearm to an insurance company. A “blanket” policy covers the entire collection without any need to hand over serial numbers or even details on your collection.

Limits per firearm up to $10,000 are available. For more expensive firearms a “schedule” can provide protection for the highest value items. Scheduling a firearm requires a serial number, description and many times an appraisal.

Benefits our our firearm coverage:

- rates as low as $12 per $1000 in coverage

- ability to cover firearms up to $10,000 in value under a blanket policy

- covers firearms for “all risk” includes damage, accidental loss and theft

How we insure firearms?

For our clients we offer “blanket” and “scheduled” policies as part of a home insurance package. We represent great companies that offer specific coverage on both liability and property that gun owners appreciate.

Here are just a few of the firearms we are currently insuring for our clients…

M. Padrone Chukar Model – $6,000

Colt SAA- $3,000

Holland and Holland 12 ga- $12,000

Winchester Model 42 Pigeon Grade- $4500

Contact us and talk about your insuring your firearm collection

You can get a live online comparison quote with us here. To talk with us about insuring your gun collection, call us at 661-327-5531 in California, 208-366-8366 in Idaho

Come visit us in Bakersfield at 111 “H” Street

Or email us at agent@crosbyandcrosby.com Learn more about us online www.crosbyandcrosby.com or more about firearms insurance at http://www.crosbyandcrosby.com/category/firearms-coverage/

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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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3 Questions Answered About Insuring Your Firearms

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.

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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.

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.

How do I know how much auto liability insurance coverage I should have?

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.

Do you get an insurance discount for being a teacher?

Yes! We offer auto insurance discounts up to 12.5% for full-time teachers. The discount applies across the whole auto policy. Every vehicle on the policy has the discount applied.

Can I transfer a Travelers home policy I wrote through Geico to you?

Yes! Geico does not write a homeowners policy so they are basically agents with Travelers. By writing a  Travelers home policy through Geico you miss out on one of the great things about Travelers… Multi-policy discounts! Travelers offers one of the best multi-policy discounts in the industry, up to 30%.

Since your auto is with Geico and home with Travelers you are missing out on that discount. Doesn’t saving 30% off of your home policy sound like a great idea? In addition you don’t even need to rewrite the policy. We can complete an “Agent of Record” change and simply appoint Crosby and Crosby as your new agent on the account. It is one page and takes less that a minute to complete. 30% in 1 minute? I think that is a better slogan.

Plus, we think it is pretty great to have a local agent you can trust to handle your account. We are a little better looking than a cave man and simply smarter than a gecko. But hey, we like cute commercials too!

Give us a call today 661-327-5531 or email us and we can talk more.

Got an insurance question? We would love to answer it here. Let us know. agent@crosbyandcrosby.com