Don’t Be Nerd… Buy Your Insurance From A Qualified Agent


The hidden problems with on-line insurance

North Bay consumers purchase many goods and services online. Online shopping is great for purchasing certain items.  However, if you are thinking about purchasing something as important as personal insurance online, think about these issues before you click “BUY NOW”.

Let’s first remember that one of the main reasons you buy North Bay personal insurance is to provide financial resources in the event of a major loss. You do not buy insurance for a flat tire. You can manage that. But you do want protection when a major loss occurs. If you had a major illness, would you go online to self-diagnose and buy self-treatment? Of course not. You would go to a trained and licensed doctor to have him/her treat your illness. Insurance is no different. If you try to determine all your risks, and then select the coverage you will fall short.  Then when the loss occurs you could have a serious problem.

Here is an example of the pitfalls of buying insurance online

We recently heard of someone who bought home insurance online. Not really knowing anything about insurance and property valuation, they thought they made a good choice that saved $100 per year. About 3 months into the policy, their home caught fire and they had a loss totaling $480,000. The homeowner needed to move out of the house for 3 months while repairs were completed, however they did not check the right on-line coverage box and therefore did not have coverage for loss of use. This coverage would have provided additional funds for the hotel and related expenses. But in this case, it cost the homeowner over $5,000 in out of pocket expenses, which would have been covered if they had chosen the right insurance coverage.

Concerns with Purchasing Online Insurance

  • Don’t believe the ads, it will take you more than 15 minutes to search, compare and buy insurance online.
  • You will definitely need to have some computer skills to navigate the online application process. If you fill out the application incorrectly, you may purchase the wrong auto coverage and/or pay more than you need to pay.
  • If you have questions, you will need to call an 800 number to actually talk to a real person. Then, you really don’t know that person’s experience, qualifications, or understanding of the laws in our state.
  • If you buy online, you have to become an insurance expert, because you won’t have an advocate to help you. Do you understand what is required in our state? Do you understand what insurance coverage you need for your individual situation? We do.
  • If you have a general question about your insurance or want to make a change, you have to login and go through a lengthy process of updating your information. With an independent agent all you need to do is call; we do all the administration.

North Bay Insurance Brokers Inc. focuses on delivering quality insurance products with a personalized, hands-on experience that sets us apart in today’s market.



California Disasters Gone Wild


Can You Live Without Disaster Insurance?

Wildfires are burning all over the Sates of California, including the North Bay region. Human caused disasters and natural disasters occur in every state. California has earthquakes and wild fires, Colorado has flooding and wildfires, the Northeast has winter storms and high winds, Florida has flooding and hurricanes, and the Midwest has flooding and tornados.

Personal Insurance And Disasters

Most North Bay personal insurance products can cover wildfires; however earthquakes are excluded and require a separate policy. It is safe to say that most business and homeowner’s insurance policies do not cover the risks associated with disasters. The only exception would be damage caused by wildfires. Let’s look at how personal insurance might apply to other disasters.

  1. Floods— Only 13% of U.S. homeowners had flood-insurance policies last year according to the Insurance Information Institute, a trade group. Flood insurance must be purchased through the National Flood Insurance Program. We can help you if you need the coverage.
  2. Earthquake—Every North Bay homeowner and business needs earthquake insurance. Earthquake insurance also must be added or purchased under a separate policy.
  3. High Winds— Damage from high winds typically is covered under most insurance policies.
  4. Mudslides— A standard home insurance policy does not protect your home against damage caused by a mudslide. Mudslides are usually defined as ground movement. Heavy rains that cause a mudflow would typically be covered.
  5. Heavy Rain and Winter Storms— Winter storms and rain damage is covered under a typical homeowner’s policy. If flooding occurs, then the flood damage would be covered.
  6. Hail— Most homeowner’s insurance policies provide coverage for losses resulting from hail.
  7. Wildfires— It can be safe to say that all homeowner’s insurance covers loss resulting from a fire. Wildfires are considered a fire and would be covered.

Coverage disclaimer–the information provided here is for general purposes only. It is not our intent to change or modify insurance coverage. Each insurance policy is different and your individual coverage will be determined by the terms of your insurance policy.

As a locally owned and operated insurance agency in Sonoma, California, North Bay Insurance Brokers, Inc. is committed to providing quality insurance products for individuals and businesses. We combine our strong insurance background and product knowledge to assist both current and future clients in managing and planning for all types of risk.

We Hope You Live Long And Prosper


Have You Planned For The Unexpected?

So, you’ve decided to purchase North Bay life insurance. Well then, you have made a good decision! If you have dependents, you know that you must provide for them long after you are gone. Buying North Bay life insurance shouldn’t be a budget buster either. While no one likes to think about passing on, Life Insurance can relieve you of the financial worry your loved ones may face in the event of your passing.

We will give you free life insurance quotes. Naturally, you will want to talk to an agent. There are four types of life insurance plans from which you can choose: Term Life, Whole Life, Universal Life, and Variable Universal Life.

Term Life is the most affordable as it lets you lock in a fixed rate for the length of the policy [typically 10 or 20 years], but it does not have any cash accumulation. So, the only way it pays is if you die!

Providing for family members after your death is one of the most important reasons to include life insurance as part of your financial planning. You can receive your free life insurance quote by shopping online today; don’t delay

North Bay Insurance Brokers, Inc. is Here For You

There are many things to take into account when purchasing Life Insurance, and changes in your life situation can reflect changes in your insurance requirements. That’s why it’s important to carefully consider the different policy options and ensure that you have the right solution to meet your long-Term Life Insurance needs.

An insurance specialist at North Bay Insurance Brokers, Inc. will review your current Life Insurance situation and help you design a policy to plan for the future.

At the end of the day, one of the biggest investments you can make is an investment in yourself.

North Bay Insurance Brokers Crystal Ball Of Insurance

The Future Is Here

Every business is different and has its own set of risks. We operate in a shrinking world, and the risks faced by local businesses are increasing and interrelated to what may be happening around the world. Every business will suffer some claim or financial loss during its lifetime. We have found four emerging risks that every business must face and address.

Natural Catastrophes – In California, every business is subject to weather and other natural events. While business insurance may cover many of these, it pays to be prepared. Have you considered earthquake insurance or flood insurance if you operate close to the coast?  We suggest that every business have an emergency plan to help them manage through natural catastrophes.

Cyber Risk – A small business now has a greater chance of having a cyber-breach than of having a fire. It is important to have cyber liability insurance in place, and have a set of cyber procedures to help reduce the possibility of a breach.

Foreign Products – There is an increase of products, parts, equipment, tools, and more that are being manufactured outside the U.S. This can create an issue for local businesses, especially if the product fails and causes a loss. If you use or sell any products manufactured oversees, make sure that you have received a Certificate of Products Liability Insurance, and make sure that your insurance carriers know this.

The Workforce – The workforce is getting older, and local businesses must attract new and younger employees. It will be important for businesses to consider things like remote workers, flex time, and a more creative working environment, to attract the next generation of workers. In addition, employers must consider increasing benefits packages, retirement programs, and other non-financial perks.

North Bay Insurance Brokers, Inc. provides insurance coverage for employees to businesses in Sonoma, Napa, Marin, Santa Rosa, Petaluma, American Canyon, and surrounding areas.

Your business is a multifaceted machine that requires protection at every level. The people who make your business go deserve the assurance that they are covered at all costs. At North Bay Insurance Brokers, Inc., we understand that quality coverage options for your employees will ensure that your business attracts and maintains the best worker