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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Do I need To Insure My Landscaper?

lawn-care-643556_1920A North Bay Home Insurance Update

Your landscaper falls from your tree while he is pruning it, and the injuries send him to the hospital.  His medical bills are about $5,000 and he does not have any insurance. Will your homeowner’s insurance cover you if the worker decides to file a lawsuit?

Most homeowners do not fully understand that they could be liable for damages from a maid, landscaper, or contractor if they are injured on the homeowner’s property.  Homeowner’s insurance is designed to cover you for losses to third parties when you are responsible for the injury.  Homeowner’s insurance does not cover business operations.

How to make sure you are protected

  • Make sure all contractors have liability and workers’ compensation insurance.
  • Understand the difference between an employee and contractor.
  • When it comes to coverage for home workers, every homeowner’s insurance policy is different. Your policy may include a provision that provides limited coverage for minor workers performing lawn mowing or other tasks that require the use of power tools on your property.
  • Your homeowner’s insurance policy may specifically exclude domestic workers such as nannies or maids.
  • If you discover that your homeowner’s policy offers limited or no liability coverage for workers, you may consider purchasing additional liability insurance.

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 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.

 

Wildfires Can Occur Anywhere

House FireAccording to the Federal Government, almost 90 percent of the wildfires in the United States are caused by humans.  Wildfires can occur in the country and major cities. Wild fires can start in a vacant lot and spread to neighborhood very quickly. From January 1 to March 31, 2017, there were 13,458 wildfires, compared to 9,218 wildfires in the same period in 2016. Source; iii.org

Wildfires And Homeowner’s Insurance

Unlike earthquakes and floods, wildfire damage should not require a completely separate policy, and probably does not even require a high risk policy. It is a good idea, however, to know what your homeowner’s policy does cover.  In many cases wildfires are covered, but it is always good to call your agent for a homeowner’s insurance review.

If your homeowner’s policy covers wildfires it would normally protect the building and contents from a covered loss. In addition, you will need additional living expenses if you must leave your home during re-construction.

Wildfire Prevention

Become familiar with your community’s disaster preparedness plans and create a plan for your family. Identify escape routes from your home and neighborhood and designate an emergency meeting place for your family to reunite if you become separated.

  • Use fire resistant materials for roof and home construction.
  • Keep wood piles at least 30 feet from your home.
  • Create a 100 foot safety zone around your home.
  • Prune trees within 15 feet of any chimney outlet.
  • Follow local ordinances when burning yard waste. Avoid backyard burning in windy conditions, and keep a shovel, water, and fire retardant nearby to keep fires in check. Remove all flammables from your yard when burning.
  • Make sure that fire vehicles can get to your home. Clearly mark all driveway entrances and display your name and address.
  • Teach children about fire safety. Keep matches out of their reach.
  • Keep roofs and gutters clean and free from debris.
  • Have a ladder that reaches your roof.
  • Have an extra-long hose.
  • Rake leaves, dead limbs and twigs. Clear all flammable vegetation.
  • Back as many vehicles as possible into the garage, then close the door. In the event that you evacuate, remember to close the garage door behind you as you leave. If you do not have a garage or if yours is full, park your vehicles heading in the direction of the evacuation route.

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.

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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.

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.