What You Don’t Know Can Hurt You

mistake-1966448_1920A Homeowners Insurance Update

We all know how to keep our home safe from fires, burglars and other major homeowner’s risks. Your homeowner’s insurance covers many different kinds of losses. Cooking, candles, and smoking are the biggest causes of house fires in the United States. However, there are a few hazards around the home that many of us don’t think about.

9volt Batteries

9volt batteries can create fire when exposed to many kinds of metal. Keep 9volt batteries stored in a plastic container.

Smoke Alarms That Are Not Working

A large percentage of homes fires go un-noticed because of smoke alarms that don’t work. A working smoke alarm can be your best defense to notify you of a fire.

Dryers

Over 20% of home fires start as a result of poorly vented or dust filled dryer vents. Check your dryer vent every time you use your dryer.

Candles

Candles left unattended are also a major cause of home fires. If you use candles, make sure they are kept away from flammable items and blow out before you leave the room.

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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Auto Insurance… Up Up And Away

White Car Cornering In Mountain Road With Speed BlurA North Bay Auto Insurance Update

When we speak about insurance, we try to remind people that there are things you can control and things that are out of your control. It is essential to focus your attention on the actions that can help keep your auto insurance premiums as low as possible. These include; driving in a safe manner, keeping your vehicle in good repair, educating your teens through driver education, and using an independent agent to shop your auto insurance.

There are also factors that are out of your control. According to the National Highway Traffic Safety Administration, these are the factors as to why auto insurance premiums are on the rise.

  • An increase in distracted driving accidents. Nine people die every day as a result of distracted driving, and 400,000 are injured annually. At any given time over 600,000 drivers are using mobile devices while they are driving.
  • Advance technology in newer vehicles. The cost to repair newer vehicles has increased due to the advanced technology utilized in newer vehicles.
  • Rising medical costs. Medical cost has increased by 3% in the last five years.
  • There are more vehicles on the road which increase the probability of having accidents.
  • The average cost of vehicle repair has risen by 24% over the past eight years.
  • Weather-related auto accidents cause billions of dollars each year.

There are many things you can do to keep your auto rates at the lowest level possible.

  • Review your deductibles. According to the Insurance Information Institute, raising your deductible from $200 to $500 could reduce your Collision and Comprehensive costs by 15 to 20 percent.
  • Encourage your student driver to get the best grades possible. Most major insurance companies offer a discount for students in good academic standing.
  • Select a safe car. Check out which cars are popular with thieves and avoid them. Also, the more expensive the car, the higher the premiums.
  • Be a safe driver. The more accidents and tickets you have, the higher the premiums will be.
  • Purchase a car with an alarm or LoJack. LoJack® Stolen Vehicle Recovery System provides car owners with peace of mind knowing that if their vehicle is stolen, they have the best chance of getting it back.
  • Be loyal. Many auto insurance companies offer loyalty discounts if you stay with them over time.
  • Check for other auto insurance discounts. These might include taking safe driver courses, senior discounts and more.

We are here to help you with your California auto insurance needs. We have access to many insurance products and can provide you with competitive premiums. We offer auto liability, auto collision and auto comprehensive coverage.

At North Bay Insurance Brokers we combine premium auto Insurance with personalized service to give you the best coverage possible. Our insurance specialists will work with you one-on-one to find a policy that keeps you and your drivers protected at all costs – for peace-of-mind driving assurance.

We Know Farm Insurance

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Most traditional insurance products don’t respond the needs of farm, winery, and ranch operations. These can include; special farm equipment, manufacturing equipment, stable liability, dairy exposure, cattle and other livestock mortality exposures, high valued homes, livestock breeder’s floater to name just a few. Farms are exposed to two unique additional exposures: Pollution and Agritourism.

Agritourism activities include everything from a bed and breakfast, weddings, a corn maze, educational field trips, a store or wine tasting, to “pick your own” and roadside farm stands. Liability suits are sometimes large enough to shut entire farm operations down. This is why it is so important to know your clients are properly insured. Your farm has increased liability, by having visitors.

Pollution-Farms and ranches need to manage the environmental impact of    farming on the land, including minimizing waste production and use of water on crops and livestock. Discharges from manure pits and fuel leaks from storage tanks are not covered by your typical insurance policy.

When you call our firm you will get a professional who knows and understand your business. We know you are responsible to your clients for providing the best possible combination of coverage, price and services. We take that responsibility seriously.

Your farm is your livelihood, and you can never be too cautious. Since an accident can happen when you least expect it, it’s important to be prepared when potential problems arise. By being proactive with a proper farm policy, your equipment, buildings, and even lost income can be covered in the event that an unforeseen circumstance disrupts your operations.

Whether you’re a local grower or a large cultivator, we understand the value of insuring your greatest asset. At North Bay Insurance Brokers, Inc., we’re dedicated to providing the agricultural coverage and services you need to keep your farm or ranch protected – so you can focus on maintaining a smooth operation.

 

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.

 

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.

 

 

 

Shake Rattle And Roll

earthquake-3167693_1920 (1)A California Earthquake Update

May 2018 saw a number of small earthquakes in California. Many experts are predicting a major quale on the west coast in the next 12 months. The only thing we have control over is how prepared we are when an earthquake hits our area.

“California sits at the border between two major tectonic plates—the Pacific plate, which is moving northwest, and the North American plate, which is sliding past it to the southeast. The two plates don’t just meet at a single line, and the state is crisscrossed with dozens of earthquake faults. The San Andreas is the most worrisome, because it generates the quakes that are really dangerous to California residents.”  Sarah Zielinski

What You Can Control

  1. Get earthquake insurance on your home. Earthquake insurance covers damage to your home and your possessions. Most earthquake policies also cover costs incurred to minimize further damage after an earthquake, plus costs for additional living expenses. Deductibles are generally 10-15% of the insured amount. Exterior structures such as pools, irrigation systems, driveways, and detached garages are generally not covered.
  2. Create a disaster plan.
    • Know where to go. If you are ordered to evacuate, know the local evacuation route(s) to take and have a plan for where you can stay. Contact your local emergency management agency for more information.
    • Put together a “go-bag” or disaster supply kit should you need to evacuate, including a flashlight, batteries, cash, first aid supplies, medications, and copies of your critical information.
    • If you are not in an area that is advised to evacuate and you decide to stay in your home, plan for adequate supplies in case you lose power and water for several days and you are not able to leave due to blocked roads.
    • Make a family emergency communication plan and review it regularly with members.
    • Many communities have text or email alerting systems for emergency notifications. To find out what alerts are available in your area, search the Internet with your town, city, or county name and the word “alerts.”
    • Disconnect electrical appliances and do not touch electrical equipment if you are wet or standing in water. You could be electrocuted.
    • If instructed, turn off your gas and electricity at the main switch or valve. This helps prevent fires and explosions.

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.

 

 

 

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.