Tuesday Insurance Questions… Firearms Insurance, Insurance Discounts for Engineers, Insurance Company Ratings

Here is another round of our “Tuesday Insurance Questions”. If you haven’t QuestionMarkalready, make sure to jump into the conversation by ‘liking’ our Facebook Page.

Question: Are my firearms covered on my homeowners policy?

This is one of our most common questions and probably the subject with the greatest amount of confusion. Firearms are covered on your homeowners policy under “personal property” coverage and subject to special limitations.

Firearms are limited in coverage for losses caused by theft. The amount of coverage is often as low as $1500 depending on the policy.

If you have valuable firearms it is very important that you check with your agent to see the specific coverage your policy provides.

You may be best off to add either “scheduled” or “blanket” coverage to your policy. “Scheduled” list each specific firearm and a “stated value” to replace that firearm. “Blanket” coverage provides coverage for an entire collection of firearms up to a total limit without listing each firearm.

By “scheduling” and “blanketing” your firearms you coverage extends to “all risk” and is not subject to your deductible. “All risk” coverage provides coverage against all unintentional causes of loss including breakage and losing.

We have seen it before. Once a Beretta Onyx was dropped nearly 50′ off of rimrock while the insured was hunting. The second was a deer rifle was left leaning against a tree and was gone when the mistake was realized and the insured returned.

For more info you can view our previous post on this subject… 3 Questions Answered About Insuring Your Firearms or Is the NRA the Best Way to Protect My Firearm Collection 

Question: What kind of insurance discounts for engineers do you offer?

We offer both auto and now homeowners discounts for engineers. If you are employed as an engineer we offer up to a 17.5% discount.

Question: How can I tell what an insurance companies rating is?

We often talk about the “rating” of an insurance company in regards to its financial stability. Those ratings are given by companies such as A.M. Best. 

The importance of financial ratings is mainly the stability of the company. An insurance company with excellent financial ratings is more likely to have stable rates and less fluctuation than lessor rated companies.

In regards to the claims and customer service aspect of a specific company we think the best idea is to talk to a trusted agent. As an agent we deal with the claims and customer service aspect of insurance companies. That experience allows us to offer insight into what to expect from each specific company.

That completes this weeks questions. We hope it was helpful. We look forward to your comments or questions!

You can reach us @ 661-327-5531 or by email at agent@crosbyandcrosby.com

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