Recent Wild Fires Means More Flooding

bigstock-Nature-burning-27273791We have been witness to record-setting wildfires in over the past few year and experts are now telling us that the results will mean more flooding. We have learned that a combination of record heat has created a massive growth of undergrowth that acts as fuel for wildfires, thus creating more damage to that land. This ground bloom dries out and creates more heat for wildfires.

Winter weather changes also have created more rain than snow, causing more erosion and overflowing dams. All of these conditions have created a perfect storm for flooding.

That means that the next six to eight months will be prime time for flooding.  If you live near water or in a flood zone, we recommend that you have flood insurance.  However, did you know that even if you do not live in a flood zone, you might need flood insurance?  According to Flood Smart, 20% of flood claims come from low-risk areas.

Why Get A Flood Insurance Quote?

  • Homes with mortgages from federally regulated banks or insured lenders in high-risk flood areas are required to have flood insurance.
  • Your standard homeowner’s insurance excludes floods.
  • If you decide you want flood insurance, you will need to secure coverage as soon as possible. There is a 30-day waiting period before policies can be bound.
  • There are flood policies for condominiums and apartments as well.

So, if the weather forecast announces a flood alert for your area and you go to purchase coverage, it’s already too late. You will not be insured if you buy a policy a few days before a flood. At North Bay Insurance Brokers Insurance Agency, we know you’ve invested a lot of time and money in your personal property and keepsakes. A flood insurance policy will cover the cost of replacing your valuables from any flood-related damage.

Call our professional staff today for more information. Don’t wait until you’re knee deep in water!

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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How To Make This Fall A Treat Not A Trick!

pumpkin-1014971_640We are gearing up for the holiday season and that means a new set of concerns for homeowners. First, there are weather-related concerns and then comes Halloween.

Did you know that the insurance industry can tell you what the most common claims are for each month? Insurance companies keep very accurate and detailed records of when claims occur and what kinds of claims occur in what season.

North Bay Insurance Brokers 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.

Common Claims That Occur In The Fall

  • Rear-end collisions. These occur more in the fall due to changing weather and increased rain. If you’re following a car, leave at least four seconds of time between you and the car in front of you if going 45 mph.
  • Water damage. Damage as a result of rain or freezing pipes, occurs more often between October and December than in any of the other months.
  • Fires from candles, cooking, and fireplaces caused over 45% of the home fires in the fall months.According to gov, more than 2,500 people lose their lives in house fires each year, and another 12,600 are injured.
  • Theft from vehicles. From October through December, more cars are broken into at shopping malls, due to increased holiday shopping. Always place your packages out of light in the trunk when going back and forth from your car to the stores.
  • Snow, ice and rain accidents. Winter weather, even in warmer parts of the country, creates increased hazards and accidents. 37% of all skidding and snow claims occur between October and December.
  • Home burglaries increase about 33% during the fall. Keep your doors locked, use motion detectors, and turn on your home alarm.

In the next few days, we will be watching children scramble from house to house in search of the elusive Halloween treat.  However, keeping our kids safe as they are out Halloween night is always a concern.

Safety Tips For Kids

  • Never, ever, go into a house.
  • Costumes should be short enough to prevent children from tripping and falling
  • An adult or an older responsible child should always accompany young children. Even older children should go trick-or-treating with an adult, or with friends.  Never go out alone.
  • Only go to homes with a porch light on.
  • Plan costumes that are bright and reflective.
  • Do not eat homemade food.
  • Examine all candy.  If it has been opened, toss it out.
  • Use a flashlight.

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.

Does An Agent Really Make A Difference?

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Personal And Business Insurance

The modern day customer is looking for value, ease of services, and quick responses.  In an era of impersonal internet companies, slick advertising, and “branding,” it can be hard for consumers to determine where to find the best insurance program for their needs.  To provide the best possible combination of coverage, services, and pricing, you need to look no further than your local independent agent.

Our Approach To Insurance Is Different

The best way to get the insurance that is right for you is to develop a relationship with your insurance agent.  The good news is that this process is not complicated or time consuming.

  • We respond quickly.
  • Insurance protects what is important to you, and we understand that.
  • We gain an understanding of your individual needs.
  • We educate rather than sell.
  • Finding the right insurance coverage is an important purchase, because everyone’s needs are unique.
  • Our professional team is trained and licensed.
  • Insurance is too important to be ordered online like a book.
  • Don’t wait for an un-insured claim to happen before you look for the right agent and coverage.

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.

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.

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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