Hold Your Horses… We Do All The Work!

horse-1006376_1920How To Prepare For A Personal Insurance Quote

We have all heard the advice “knowledge is power,” and in the personal insurance world, this is very true.  The more information we have as your personal insurance agent, the better and more competitively priced your personal insurance will be.  Keep this in mind as you prepare for your agent to quote your personal insurance.

Here Is the Good News

We will do all the heavy lifting for you.  All you need to do is have your information ready to give to your agent.  This may be information you already have at your fingertips, or information that is listed on your current personal insurance policies.  Then, we will do all the rest for you.

Now if you were going to try to apply for insurance online, the process is much more complex.  Not only would you have to know what information you need, but also how and where to use it to obtain the most competitive personal insurance products.

Keys to Getting the Best Price on Your Personal Insurance

Use an independent agent.  An independent agent has a number of advantages going for them.  Find an agent who has experience with the kind of insurance you need.  Your agent should be licensed and have an office you can visit if needed.

Benefits of Independent Agents:

  • They are not employed or controlled by any one insurance company.
  • These agents have access to dozens of markets.
  • They are locally owned; which means they live and work in your community.
  • When you call the office of an independent agent, you can talk to a licensed professional who cares about you.
  • Independent agents are a one-stop-shop for all of your personal insurance needs.
  • You get a choice of products and insurance companies that best suits your needs.
  • They not only find you competitively priced personal insurance, but they also make sure you have coverage that is designed for your individual situation.

Be honest concerning your personal information – Agents are held to strict confidentially standards.  We will never share your personal information with anyone with your permission.

Provide Information to Your Agent

There will be some necessary information needed for your agent to provide options for you. This information will vary based on the kind of personal insurance products you desire. Here are some of the types of information you may need to provide:

Homeowners Insurance

  • Personal information
  • Description of home
  • Any repairs or upgrades
  • Current condition and amenities
  • Age of roof and furnace, etc

Life Insurance

  • Health history
  • Family health history
  • Any illness

Auto Insurance

  • Personal information
  • Driving history
  • Vehicle use and description

Remember, knowledge is power.  Therefore, the more information your agent has the better pricing and coverage they will provide for you.  North Bay Insurance Brokers. is your trusted solution for homeowner’s insurance. We offer coverage options that are both flexible and affordable, and will work with you on an individual basis to find a policy that best suits your needs. Our team is dedicated to providing the assurance that your family and your possessions are secure.

 

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What’s Under Your Roof?

cottage-768889_1920A North Bay Home Insurance Review

Have you ever stopped to think about all the things that could cause damage to your home and personal property? Probably not, but we think about your personal insurance coverage every day. Your homeowner’s insurance is designed to protect you from claims that can come from many different events. We can design a homeowner’s insurance product that fits your individual needs. Here are a few of the kinds of events that can be covered under your roof.

Damage To Your Home Can Include

  • Fire and smoke damage
  • Lightning strikes
  • Falling objects
  • Explosion
  • Vandalism and malicious mischief
  • Theft
  • Windstorms and hail
  • The weight of ice, snow or sleet
  • Water damage
  • Damage from an aircraft, car or vehicle

What is Not Covered Under Your Roof

A standard homeowner’s insurance policy will not cover; earthquake, flood, wear and tear, damage from animals, mold, acts of war, government actions, tenant damage, defective work, plus others.

Personal Property

Your homeowner’s insurance can also cover your personal belonging. This might include; cloths, furniture, and other items.

Do You Have A Leak In Your Roof?

Do you have coverage for additional living expenses if you are required to move out of your home while it is being repaired? If you own guns, art, or other collections, you may need additional coverage. Is your expensive jewelry cover while away from your home? If you don’t know the answers to these questions, call us today.

North Bay Insurance Brokers. is your trusted solution for homeowner’s insurance. We offer coverage options that are both flexible and affordable, and will work with you on an individual basis to find a policy that best suits your needs. Our team is dedicated to providing the assurance that your family and your possessions are secure.

 

 

 

It Is Raining Lawsuits in 2018

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A North Bay Business Insurance Update

We live in a society where there are more lawyers than doctors. It seems that the typical response when someone has been damaged is to hire a lawyer and threaten a lawsuit. Most businesses can’t afford to be in court to defend every action. That is why commercial insurance is so important to your business. Our agency can offer a review of your business insurance coverage and educate you on your risks and how best to protect you. These four risks are at the top of our list and should be on your as well.

Cyber Liability- Cyber liability is the risk posed by conducting business over the Internet, over other networks or using electronic storage technology. It covers third party losses from hackers, theft, and loss of information including sensitive client or individual personal information.

Directors & Officers Liability- Covers costs, damages, and defense protection to directors and officers of a company resulting from lawsuits and judgments arising out of poor management decisions, employee dismissals, shareholder grievances, and other such acts committed in good faith.

Employment Liability- Employment Liability provides protection for an employer against claims made by employees, former employees, or potential employees. It can cover discrimination (age, sex, race, disability, etc.), wrongful termination of employment, sexual harassment, and other employment-related allegations.

Professional Liability- Insurance that is designed to cover third party claims, damages and claims arising out of providing professional advice. Many firms create legal obligations arising out of a professional’s errors, negligent acts, or omissions during the course of providing services to clients.

As a locally owned and operated insurance agency in Sonoma, California, North Bay Insurance Brokers 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.

 

Who Protects Your Home While You Are On Vacation?

bigstock-Concept-or-conceptual-black-pl-47908673A Personal Insurance Update

Having the right North Bay homeowners or renter’s insurance is a good way to protect your home and property while you are away having fun this summer. Personal insurance can offer replacement for loss or damage property.

Home Burglary facts (Source FBI, Harris Interactive Polls)

  • 25% of burglars get in through the back door.
  • Homes with security systems have a 30% less chance of being targets.
  • A majority of convicted burglars say they avoid homes with alarm systems.
  • 27% of homeowners say they leave their doors unlocked.
  • Burglars will use social media to select targets.
  • The average cost to replace stolen items is $4,200.

Vacation Safety Tips

  1. Stop the paper and garbage.
  2. Keep valuables in a locked safe.
  3. Lock up all guns.
  4. Tell neighbors about your trip. Have them watch for deliveries.
  5. Don’t take all your credits cards on vacation, only take the ones you may need.
  6. Use automatic lights to give the appearance of someone being at home.
  7. Pay all your bills so that key utilities don’t get turned off.
  8. Inform your credit card companies where you plan on traveling. This information will alert them to any fraud.
  9. Mow the lawn before you go to make it look like you are at home.
  10. Give you itinerary to a family member.
  11. Don’t post vacation pictures on social media sites until your return home.
  12. Have us complete a free home insurance review before you go.

 

It is important to note that not all homeowner’s policies are created equal, and what one company offers may not be the same as another company. Also keep in mind, if you bought your policy online, who really knows what coverage you have?

At North Bay Insurance Brokers, we know how hard you’ve worked to turn your house into a home. Since your home is one of the most important financial investments of your lifetime, you’ll need proper coverage in order to keep your investment protected and provide your family with the guarantee that they’ll always be safe and sound.

Are You Really Covered?

Alion-2633705_1920 Personal Insurance Update

A personal umbrella policy can protect your family for less than a dollar a day.  An umbrella policy can provide added limits over your auto and home insurance.  Our team of professional agents can review your personal insurance program and recommend any updates or changes.

There are many reasons to consider a personal umbrella policy including an increase in personal litigation lawsuits, the need to protect your personal assets, and the peace of mind this coverage provides.  In the event your underlying policy limits are exhausted, your personal umbrella coverage can provide added limits.

  • A personal umbrella can add liability coverage over your home, auto, motorcycle, RV, and even rental properties.
  • Coverage can include legal fees.

If you have any assets including a good income, investments, equity in your home, or possible inheritance, you should consider the additional coverage.  A personal umbrella policy can give you and your family more security and peace of mind.

Additional Coverage For Peace-Of-Mind Living.

North Bay Insurance Brokers is committed to providing expert advice and quality insurance products that keep your future protected. From keeping your identity and confidential information secure to insuring your personal items under an umbrella policy, we have the solutions you’ve been looking for should theft, an accident or even a lawsuit ever occur

 

In Business Insurance Coverage Is King

insurance-salesA North Bay Business Insurance Update

Buying business insurance is like investing in your business.  While you may never have a claim, if you do the resources provided by your insurer can keep your business going.  That is why it is important to have an agent who understands your needs and can help you design a business insurance program that fits your needs.

Where to Start?

Understand the difference between agents.

  • Captive agents can only provide coverage through one insurer.
  • Independent agents can offer many different coverage options through their many appointed insurers.

Understand the Value of Information

It is important that you provide as much information about your business as possible. Your agent can help you determine which information is needed to get the best possible pricing, coverage, and service.

Coverage Is King

Your agent will have a good idea of what you need after they review your risks. Here is an example of some of the coverage you may require.

Property Insurance: Covers your buildings, equipment, machines, and other property from loss or damage.

Commercial Liability Insurance: Provides coverage for bodily injury and property damage you cause to others.

Commercial Auto Insurance: Covers your company vehicles if they are involved in an accident. It can also cover your business if you or an employee uses a personally owned vehicle on behalf of the business.

Cyber Liability Insurance: This insurance can protect your business from a data breach. If your business stores sensitive or non-public information about employees or clients, you are responsible for protecting that information.

Management Liability Insurance: Management Liability can encompass three important business insurance coverage’s; Professional liability, Directors and Officers Liability, and Employment Practice Liability. These are excluded in most business insurance policies.

Our professionals work diligently to understand our client’s risks, goals, culture & vision in order to develop with you a risk management program to support your mission. Every industry has specific needs when it comes to insurance. Industry-specific risks make it impossible for insurance companies to lump together one insurance plan for every business. At North Bay Insurance Brokers, we understand that being unique is what makes your business successful across the board. That’s why we provide industry-specific insurance options for businesses of all types.

North Bay Home Rental Insurance Issues

pixa free dcdHow Our Sharing Economy Can Create Coverage Concerns

Many people are using VRBO, Airbnb, or other home renting sites. While this may be a great way to have additional income, it could pose issues if you rent out your primary home, condominium or apartment to others for a fee. It may be wise to read through this, and a related article, before you rent out your primary residence. If your home insurance is not recorded as a Landlord Policy, the insurer can deny the claim.

Five Reasons to Re-Think About Our Sharing Economy

  1. Your homeowner’s, renter’s or condominium insurance most likely will not provide coverage if you rent out your residence. So, if the renter damages your property or burns your home down, you will be uninsured under your homeowner’s policy.
  2. These sites say they offer some level of insurance, but it is usually secondary to your policy, and most likely will not respond.
  3. Read your lease or rental agreement; many of these prohibit sub-leasing.
  4. It may actually be illegal in your city to rent out your residence on a short term basis. Check the zoning laws in your community. If you live in an area with a community association, there may also be regulations to consider.
  5. By placing pictures of your primary home online you may open yourself up to loss of privacy and it could be a blueprint for criminals.

One final thought, you could also create increased liability if the renter somehow damages your neighbor’s property or injures a third party on your property.

The insurance industry will respond over time to the sharing economy, but in the meantime, there are limitations and restrictions in your current homeowner’s insurance policies of which you need to be aware.

At North Bay Insurance Brokers, we know how hard you’ve worked to turn your house into a home. Since your home is one of the most important financial investments of your lifetime, you’ll need proper coverage in order to keep your investment protected and provide your family with the guarantee that they’ll always be safe and sound.