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.

Why Most Insurance Quotes Are Boring

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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.

It’s Travelers Insurance Not Travellers Insurance and Yes They are Awesome!

Did you know that last month there were over 400,000 searches online for Travelers Insurance? Another 140,000 searched for “Travellers” insurance. We can tell you that it is a travelers2single “l” and Travelers is one of the companies we are very proud to represent.

 

Why are they great?

- Wrote the very first  auto insurance policy in 1897 (it cost $11.25 per year-wow)

- Rated A+ Best by AM Best

- Offer innovative coverages that fit you individual needs for home, auto and business insurance

- A member of the DOW Composite

- Multi-policy discounts up to 30%

- Superior claims service when you need them

Travelers also has some great commericals.

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To get a quote with Travelers Insurance through Crosby and Crosby Insurance in California, Idaho and Wisconsin visit our quote page, call us at 661-327-5531 or 208-366-8366 in Idaho. You can email us at agent@crosbyandcrosby.com or use our live assistant below to chat now.

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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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More Reasons to Choose Travelers Insurance

There are 3 big reasons we simply love Travelers.

  1. They have tremendous financial stability and are rated “A+ Best” by A.M. Best.
  2. They have innovative coverages that help to meet each individuals needs.
  3. 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.

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

“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.

Is Your Home in a High-Risk Fire or Brush Area? Some Tips on How to Insure it

Many homeowners are finding that their current insurance company is not o16wildfire_600ffering renewals because their home is located in a fire or brush area. New home buyers in those areas are finding that getting adequate coverage can be tough.

Companies are using more underwriting information to better access potential risks. Your home location is listed in an “ISO Public Protection Class”. This rating measures the fire departments ability to suppress a fire at your home. Ratings are listed from 1-10. A rating of 1 is listed as “superior” and a 10 would not meet ISO’s minimum rating. Companies may also use other tools to identify homes in high risk areas.

No matter how severe the fire area, there are options to get the proper coverage to meet your needs.

What an insurance company will consider…

  • distant from the responding fire station (less than 5 is good, over 10 is higher risk)
  • distance to fire hydrants or water storage tanks
  • clearance from brush
  • home construction type and roof type
  • wildfire history in the area

Specific Area Concerns

Slight Fire and Brush Areas (Outer Areas of Tehachapi, Bear Valley, Hart Flat near Highway 58)

If you own a home in these areas, many companies may not be willing to write coverage for you. There are plenty of companies available including preferred companies like Travelers Insurance. Travelers offers a “tiered” program for homes in brush areas starting with “Eligible” being no brush risk to “Eligible 3″ being the highest brush risk they are willing to consider.

The benefit of a company like Travelers considering higher risk homes is that you can still qualify for a multi-policy discount and get a great value on your insurance.

Properties that are ineligible for Travelers tiered policy can still be placed with companies such as Foremost, American Reliable or American Modern.

Things that are considered are;  road access, slope and elevation of the property, possible smoke drift from a large forest fire, construction type and roof type.

High Fire and Brush Risk (upper Bear Valley, unprotected areas of Tehachapi, areas of Hart Flat, Shaver Lake, Alta Sierra)

If your home is classified as being in a severe fire area and other companies are unwilling to write a policy for you, you should consider the California Fair Plan. The Fair Plan is a syndicate of all property insurers licensed to do business in California and was established in 1968. The California Fair Plan is intended to be the “insurer of last resort” for hard to place policies.

The California Fair Plan has major gaps in coverage that make it unsuitable for most needs without a “wrap-around” policy. A “wrap-around” policy helps to fill coverage gaps such as liability coverage, loss of use coverage and extended perils such as theft or burglary.

“Wrap-around” policies are offered by many major carriers and may qualify you for a multi-policy discount. A Fair Plan policy with a “Wrap-around” may offer you an economical policy to help insure your home in a high-risk area.

Need more info?

If you have specific questions about your homes wildfire or brush risk, we would be glad to talk with you. You can get an instant quote here. You can call us at 661-327-5531, email us at agent@crosbyandcrosby.com or stop by 111 “H” Street in Bakersfield.

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