Are Your Really Smart?

Dream HouseA Personal Insurance Update

We believe in educating our clients on the best way to spend their personal insurance dollars.  We understand that it is important to get the best value out of your personal insurance program, and we wanted to offer a few ways you can modify your personal insurance program, and actually add value at the same time.  You will not get this kind of education or advice if you buy online insurance products.  You want a personal connection with an agent who cares about you, and will help you add value to your auto or home insurance program.

Save Money by Increasing Deductibles (For example only.  Actual results may vary from these estimates.)

Many families who purchase homeowner’s and auto insurance policies carry deductibles of $500 or even less.  However, as an example, if you were to increase your homeowner’s insurance deductible to $2,500, you might save as much as $700 per year.  The average homeowner files a claim once every 15 years (according to the Insurance Institute of America).  Therefore, over 15 years you could save $10,500, while only taking on $2,500 more risk.

Some families elect to use a portion of the savings and purchase a personal umbrella policy.  The cost of a personal umbrella can run between $300 to $800 depending on your individual factors.

We can help you decide what coverage and limits are best for your family, and you may find that we can design a program that actually provides more coverage, or value, for the same price.

Again, these are estimates only, but call us today and let us give you options to consider.

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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It Is Party Time!

college-2104580_1920A North Bay Personal Insurance Update

In the next few weeks, many students will be leaving their summer jobs and heading off to college.  For many kids, this will be their first time away from home.  Did you know that theft and burglaries make up over fifty percent of campus crime? The right kind of personal insurance, a bit of prevention, and good safety precautions can provide a measure of comfort for families and their children.

It is always best to consult with a licensed insurance professional regarding your need for competitive personal insurance, health insurance, identity theft insurance, and even personal umbrella insurance.

Personal Insurance Issues for College Students

There may be cases where your homeowner’s insurance will provide some level of coverage while your child is away at college. Here are some of the issues we would like to review with you to determine if you have the right kind of personal insurance.

  • Personal Property. Most homeowner’s insurance policies provide some limited coverage for personal property away from your premises. This limit is usually less than $1,500 per policy.  If your child is taking any computers, electronics, household goods, and clothing, this amount may not be enough.  You may want to add additional coverage to cover any theft or covered claim.  If you have a high deductible, a renter’s insurance policy might be an option.
  • Identity Theft. Identity theft is a major issue on college campuses. We would recommend that you add this coverage to your homeowner’s insurance policy, or at least have us complete a review to determine if you have the right kind of coverage at the best price.
  • Renting. Some college students rent an apartment with friends. Many rental companies now require a separate renter’s policy.  Some rental companies may offer renters insurance as part of their package.  Frequently, you end up paying much more for their coverage versus having us review your options and providing a quote for competitive renters insurance.
  • Auto Insurance. If your student takes a car to college, you will need to notify your auto insurance company to make sure the vehicle’s location is reclassified. This may cause your auto insurance to go down, especially if the college is in a small town.  Auto insurance rates are based on the garage location, and smaller cities often have lower rates.
  • Health Insurance. Children may remain on your health coverage until the age of 26. If you have a high health insurance deductible you may want to consider utilizing special health coverage offered by the college or university. Many colleges will offer student health insurance at a very reasonable cost.

North Bay Insurance Brokers, Inc. is your trusted solution for homeowners 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.

 

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.

 

“Clark, That There Is my RV”

Motor Home

RV Motor Home Vacation Family Fun wheels tire

North Bay Recreation Vehicles Insurance

If you own a Recreational vehicle, motorcycle or other toys, insurance coverage should be part of your thinking. Remember, they are not automatically covered under your current insurance program. State law requires you to maintain liability coverage on your vehicle. Here is a schedule of insurance coverage you might consider:

Liability Insurance

Liability coverage, also known as “property damage/bodily injury”, can help cover expenses from damaging a vehicle or injuring a person in an accident.

Collision coverage

Collision coverage helps pay for damage to your vehicle if you hit another vehicle, another vehicle hits you, or your vehicle rolls over. Collision coverage can be required if your vehicle is financed or leased.

Comprehensive coverage

Comprehensive insurance helps pay for damage to your vehicle not caused by a collision. Examples include damage or loss due to theft, vandalism, falling objects, fire, storms, and flood.

Uninsured or underinsured coverage

This coverage helps pay for repairs if your RV is damaged in an accident by an underinsured, uninsured, or unidentified driver. It also helps pay medical costs.

Medical payments coverage

Medical payments coverage helps pay medical costs for you and your passengers in the event of an accident, regardless of who is at fault.

Rental reimbursement coverage

This coverage helps pay for your rental car or other transportation if your RV cannot be driven due to an at-fault accident or comprehensive claim. This is really important especially if you are out of town.

Towing and labor coverage

Towing and labor coverage reimburses you for towing charges if an insured vehicle is disabled. It also covers on-site assistance, such as battery jump-start, tire change, and locksmith services. We recommend this on all recreation vehicles.

At North Bay Insurance Brokers, Inc., we combine premium auto Insurance with personalized service to give you the best coverage possible. Our insurance specialists

To Tell The Truth

question-1262378_640Insurance Question We Most Often Answer

As professional insurance agents, we are asked many questions regarding personal insurance.  We thought it might be good to offer answers to the most common kinds of questions we receive.

“Why buy from an agent when I can go online?”

When you buy insurance online, you are forced to become the insurance expert and if there is ever an issue, you have only yourself to blame.  In most cases, we can offer the same, or better, coverage with a licensed professional agent who is willing to actually meet with you and educate you on your choices.  The cost for these services is included in the cost of your insurance.

“How much insurance do I need?”

That depends on your personal situation.  If you have a number of vehicles, recreational vehicles, or a boat, we might recommend higher limits than if you are a renter with no “toys.”  We also recommend that you buy auto insurance coverage/limits above the state minimum.  If you have a growing family and own your home, we suggest higher limits and a personal umbrella policy to protect your assets.  A personal umbrella policy is very competitive and can provide an added layer of coverage and security.

“Which deductible should I select?”

The higher the deductible, the lower the premium.  In the long run, it may benefit you to increase your homeowner’s insurance deductible above a minimum amount, especially if you are claim free for a number of years.

North Bay Insurance Brokers, Inc. is your trusted solution for homeowners 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.

Would You Like A Raise?

insurance-1991212_640

When it comes to auto insurance, having options can be a very important way to save money. Putting money back in your pocket is one of our primary goals.  We know and understand the auto insurance market.  This allows us to provide you with the best possible combination of pricing, coverage and service.

Auto insurance rates

Auto insurance rates differ from company to company, so it really pays to have us shop your insurance. Some markets offer better rates for trucks, RV and campers, while others can offer better rates for motorcycles.

Auto premium savings

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.
  • How many mile you drive will impact your auto insurance premiums.
  • Look for discounts. There are many different discounts offered by insurance companies. These include multi-policy, good student, and more.
  • The kind of car you own can have an impact on the insurance costs. Do some research about a car, before you buy it.
  • Is your coverage appropriate based on the type of car you have? If you have an older car it may benefit you to consider raising your collision deductibles.
  • Get your policy up to date. Have you experienced changes like a new address, divorce or marriage? Call us for a policy review.

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.

Ok Boys…Time to Get Your Toys Out

RV Motor Home Vacation Family Fun wheels tire

RV Motor Home Vacation Family Fun wheels tire

How To Save Money On Your North Bay Toy Insurance

When it comes to North Bay RV, motorcycle, or boat insurance, having options can be a very important way to save money. Putting money back in your pocket is one of our primary goals. There are few joys greater in life than being able to escape the daily grind. Regardless of whether you are relaxing on your boat at the lake, traveling through the California coast, camping with friends and family or enjoying the open road on the bike of your dreams; you need to take the proper steps to protect what you have worked so hard to enjoy.

We know and understand the boat, motorcycle and RV insurance market.  This allows us to provide you with the best possible combination of pricing, coverage and service.

North Bay RV Insurance Rates

RV insurance rates differ from company to company, so it really pays to have us shop your insurance. Some markets offer better rates for trucks, RV and campers, while others can offer better rates for motorcycles.

How To Save On Toy Insurance

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 to $2,500 could reduce your Collision and Comprehensive costs by 15 to 20 percent.

Look for discounts. There are many different discounts offered by insurance companies. These include multi-policy, good student, and more.

The kind of RV, boat or motorcycle you own can have an impact on the insurance costs. Do some research about a RV, before you buy it.

Is your coverage appropriate based on the type of RV you have? If you have an older RV it may benefit you to consider raising your collision deductibles.

Get your policy up to date. Have you experienced changes like a new address, divorce or marriage? Call us for a policy review.

We offer competitive prices plus convenient payment plans, and we’ll place your coverage with a company that has the financial stability to be there when you need them most. At North Bay Insurance Brokers, Inc., 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.