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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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.

 

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.

Is There Something Hiding In Your Homeowners Insurance?

Homeowner’s Insurance  For The North Bay

How many of you have actually read your homeowner’s insurance policy? We guess not too many. We do recommend that you read your policy to help you understand what coverage you have. Most homeowners are familiar with the basic coverage found their homeowner’s insurance policy; including coverage for the home itself, personal property and liability associated with owning a home.

Are There Other Coverages?

There is often other coverage found in your homeowner’s insurance policy that you may not know you have. Remember, each policy is different, so these coverage examples are general in nature.  This “hidden” coverage may have specific limits and terms of which you need to be aware, but here are some examples of coverage found in most homeowner’s insurance policies.

  • Liability coverage away from your home. You have coverage if you cause injury to a third party away from your premises.
  • Damage to your neighbor’s property. If you are at a party and cause damage to your neighbor’s property, chances are it would be covered.
  • Legal expenses. Should you be sued for an accident that occurred in your home, chances are legal costs would be covered under your homeowner’s insurance policy.
  • Additional living expenses. Your policy can pay the additional costs of living away from home if you cannot live there due to damage from an insured loss. It covers hotel bills, restaurant meals and other costs, over and above your usual living expenses, incurred while your home is being rebuilt.
  • Many homeowners’ policies provide a small amount of coverage for stolen money.
  • Property of your college student. If your dependent child is a full-time college student living on campus, their property is covered by your homeowner’s insurance policy

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 Kidding Me?

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2018 is here, and 2017 is in the rear view mirror.  Last year we saw and experienced many hardships and disasters, but also hand many successes.  We hope 2018 brings you much happiness and success.  2017 was a year in which many entire communities were destroyed by storms and wildfires, 20 million or more people experienced an identity theft, and a number of women come forward describing their sexual harassment.

Here is a list of the top risk issues for 2017

  • Wildfires in California and Oregon – over $8 billion in damage
  • Storms in Texas, Florida, and the Northeast
  • Mid slides in California
  • Flooding in California, Washington, Oregon, and most of the Midwest
  • Identity theft and cyber breaches
  • An increase in sexual harassment claims
  • The continued evolution of driverless vehicles
  • The regulation of drones
  • Advances in home technology
  • Retention of key employees
  • The ability to attract quality workers
  • Terrorism
  • Random shootings

Over the next few months we will try to help you develop a clear plan on how to manage these risks. Please contact our office and we will be happy to help you identify what is important to you and then put together a plan to help you manage you risks most effetely.  Here are two important issues you may be facing in 2018

Identity Theft and Cyber Breaches

Identity theft insurance provides reimbursement to victims for the cost of restoring their identity and repairing credit reports.  This type of insurance will help you with certain kinds of expenses to aid you in restoring your credit.Cyber policies cover the liability arising from website media content as well as breach related property losses such as: (a) business interruption, (b) data loss/destruction, (c) computer fraud, (d) funds transfer loss, and (e) cyber extortion.  It can also provide notification and other services for a covered loss.

Harassment Claims

Your business must address this issue head on.  First, you need to secure employment practices liability insurance.  This insurance will offer defense and indemnification coverage should you be involved in an employment litigation.  Second, your business needs to have a clear anti-discrimination policy.  The policy should include reporting procedures and anti-whistleblower provisions.

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.