Insurance Coverage for Natural Disasters in Roseville, CAFEMA, Ready.gov and Listo.gov are big voices in reminding Americans that September is National Preparedness Month. Ready.gov is a great resource for teaching you how to prepare for a natural disaster.

What do they consider a disaster? Wildfires, flooding, thunderstorms & lightning, hurricanes, earthquakes, tornadoes, landslides, severe weather, droughts and more. No matter where you live in the United States, you can be vulnerable to one or many natural disasters.

Ready.gov breaks down National Preparedness Month in four steps below.

Step 1 – Make a Plan

Step 2 – Build a Kit

Step 3 – Low-Cost, No Cost-Preparedness

Step 4 – Teach Youth about Preparedness

Every step is important in the event of a natural disaster and we encourage you to use this month to read through their information. You can read more here. Knowing information such as a shelter plan, evacuation route, communication plan or even having an emergency kit can be life-saving.

Proper Insurance & Natural Disasters

Having the right insurance coverage is essential if a natural disaster strikes. Many people assume that by purchasing business insurance, you are covered for anything and everything. This isn’t the case. By not having proper insurance coverage, countless people have been financially ruined.

First step with insurance, talk to your agent

Not only should you use this time with your agent to understand your current coverage, but talk about your risks. Should you purchase additional coverage for natural disasters to protect your business? If you were to experience an insurance claim, do you know how you will be compensated to repair or replace what has been damaged?

After talking with your agent, work on Step 2.

Step two includes creating your business inventory list, safely storing important documents and knowing exactly what to do if you experience a claim.

  1. Do you currently have a business inventory list? This is a list of your most important belongings that could be damaged in a disaster. Some individuals have an itemized list on a spreadsheet or you can take photos of your valuables too. In the event you have an insurance claim, you can quickly reference your items in the event they need to be repaired or replaced.
  2. If you have an insurance claim, be sure to take pictures and videos of your damage. You will work with a claims adjuster so be sure to be timely with your response and save all receipts from purchases you have made regarding your claim. Examples – hotel receipts, meal receipts or other important items.
  3. Are your records safe? All important documents should all be safely stored in a water or fire proof box.

If you have questions about your business insurance coverage and would like to talk to a professional insurance agent, call us! We are experts in the insurance industry and can do a comprehensive review of your current coverage.

Insurance coverage for your college student in Roseville, CALeaving for college is an exciting time for your child. Whether your child is moving out of state, moving out of your home or even living with you at home, college is a new chapter in his or her life. Being your agent, there are a few common questions we get asked about insurance.

Does My Child Need Renters Insurance at College?

It’s best we review your current home insurance policy as it may offer some coverage for your child’s belongings while away. Simply give us a quick call and we can do a review. If your child is living off campus, you may want to consider purchasing a renters insurance policy in his or her name. This can be as little as $30/month. As a bonus, this can provide liability coverage too.

My Child Will Not Be Taking a Car to School, Can I Take Them Off My Auto Insurance Policy?

Talk to your agent about this first before canceling. If your child plans to drive a vehicle when he or she returns home or if your child ever drives a friend’s car at school, it is best to keep your child on your policy.

Car Insurance Discounts For Your Child

A few car insurance discounts exist with insurance carriers. It’s important to discuss discount options with one of our agents.

Good Grade Discount – if your child gets good grades, talk to your agent to see if he or she can qualify for a good grade discount.

Multi-policy Discount – if your child has both an auto and renters insurance policy, he or she can earn a discount for bundling the policies together.

Resident discount – if your child is attending college over 100 miles away, but isn’t taking his or her vehicle, your child may qualify for a resident discount. Since the car will be parked at your home and is insured in your name, some insurance carriers will give you a discount since the car will not be used as often.

My Child Is Taking A Car To College. What Should I Know About Auto Insurance?

Reach out to your agent to update the garage address to keep the auto insurance policy up-to-date.

Should My Child Purchase His or Her Own Auto Insurance Policy?

If your child has moved out of the house permanently, it might be time to purchase a separate policy. We can explain their coverage options and shop all of our insurance carriers.

California Trucker Insurance AgencyIf you are planning on starting or getting into the trucking business, good for you and thank you! The shortage of truck drivers is apparent and most truckers who we know and insure love the freedom of the open road – it can be a lifetime career choice.

Step 1: Determine your business classification and name.

Before you get started on a quote, you will need to decide on what type of business classification you will be. This means that you decide whether your business is listed as an LLC, Partnership, Sole Proprietor, or Corporation. Only you can decide which business type is right for you. This classification will need to be listed on your insurance policy. Also, you will want to determine what the name of your business will be and if that name is available.

Step 2: Get your trucking authority.

The next part of getting established is to get your authority. An authority is in short, the permission granted to you by the government to get paid to move freight. An important step! There are many companies that specialize in helping you getting your authority setup. Be sure to apply for this early as the entire process can take up to 7 weeks.

Step 3: Register with the FMCSA & get a USDOT number.

Next, get registered with the Federal Motor Carrier Safety Administration. If you plan to operate a commercial vehicle that transports passengers or haul cargo across the interstate, then you must register with FMCSA as well as obtain a USDOT number.

Step 4: Get Insured

While some insurance carriers are reluctant to insure a new venture, we have several carriers who will take the risk. Really it comes down to your lack of experience driving trucks so the more experience you get, the more options will be available to you. We have many companies who we can provide you a quote in one business day, so let us help you get started.

Our agents can help you choose what coverage options you will need. Some options include:

  • Cargo insurance – May provide coverage when you’re responsible for your cargo being lost or damaged due to fire, collision or the cargo being struck or run over by your own truck.
  • Truck General Liability – If you’re a for-hire trucker, you’ll likely need to carry a Truckers GL
  • Non-Trucking Liability – covers your liability when using your vehicle for non-trucking related events like going to the grocery store.
  • Trailer Interchange – physical damage coverage for the trailers you’re pulling under a trailer interchange agreement.
  • Physical Damage – Collision and comprehensive coverage for your truck if it is damaged in an accident, catches fire or is stolen or vandalized.

Many other coverage options exist and no two people need the exact same coverages so speak with your agent about the coverage options that are right for your business. As a truck insurance specialist, our agency can help you get established and on the road to your new trucking career. We look forward to helping you.

Best Truck Insurance Agency Roseville, CAWhen it comes to buying insurance, you can purchase it online yourself through a well-known insurance carrier, a captive agent or you can buy it through a local insurance agency. When you buy it online yourself, you may find it can be more challenging to manage your insurance policy. When you have to call an 800 number to ask a question about your policy or make a claim, sometimes you may feel like you aren’t receiving a personal touch.

As a local insurance agency, we want to share the benefits of having a personal insurance agent when it comes to purchasing insurance.

Do you have a professional insurance agent you trust?

Just like having a doctor or dentist, we want to be a professional you can trust when it comes to buying insurance. Insurance can be tricky and difficult to understand. We are here to explain the differences in insurance coverage to ensure you have the right coverage for your specific needs.

Have a quick insurance question? Email or call your agent directly.

We love answering all your insurance questions. We get questions all the time from our customers.

  • Do I need to buy rental car insurance for my upcoming vacation or will my personal auto insurance cover me?
  • I am renting a U-haul, do I need to buy their coverage?
  • Do I have any gaps in my insurance coverage?
  • I just purchased a boat, does my homeowner’s insurance cover me or do I need additional insurance coverage?
  • Should I purchase flood or earthquake insurance?
  • Should I increase my limits on my umbrella insurance? I just purchased my first investment property.
  • Should I have life insurance at my age? What are the benefits?

Questions like the ones listed above are easily answered from our agents! We are here to answer all your questions. With a simple email or call, you can get an answer from your insurance agent directly.

My insurance premium increased significantly and I haven’t turned in any claims. Help!

If you purchase insurance from a well-known insurance company directly, it may be hard to find a better rate at renewal without having to sacrifice insurance coverage. Luckily, local, independent insurance agents represent several companies instead of just one. If you find your insurance premium is too high for your budget, reach out to your agent at renewal. We can shop similar coverage with a different insurance carrier. You might be surprised to find several quotes to choose from!

If you don’t have a personal insurance agent, reach out to our agency. We’d love to review your current insurance coverage, answer your questions or simply be the personal, professional agent you need in your life. Our agency can help you with all your auto, truck insurance, business or specialized truck insurance needs.

Telematics Auto Insurance Discount Roseville, CAMany insurance carriers offer telematics for an auto insurance discount. If you are seeking out additional auto insurance discounts to lower your monthly or annual premium, talk to your insurance agent to see if your carrier offers telematics. Many carriers do!

How does telematics work?

A telematics device monitors how you drive a vehicle. Your insurance carrier mails you a vehicle tracking device, you insert it into your vehicle’s onboard diagnostic port under your dash and then it monitors how you drive for an extended amount of time. Once it is setup, it runs all on its own until it is time for you to return it back to your insurance carrier.

The telematics device determines how safe of a driver you are based on measuring your speed, how hard you brake when stopping your vehicle and how many miles you drive. It also looks into what time of day you drive. It is important to note that not all insurance carriers follow the same guidelines or look at the same data.

Curious to see how safe you drive? Talk to your insurance agent to see if your carrier provides a driving report. The telematics device can show a detailed report of your driving habits that can help you become more aware of your driving behaviors. By reviewing this information, it can help you become aware of your current driving habits and if you are currently considered a safe driver.

Once you have completed the timeframe of using the telematics device, you’ll mail it back to your insurance carrier and they will review it.

If my insurance carrier offer telematics, should I do it?

It’s up to you! Not only do you receive a discount for participating, but your insurance carrier may continue to provide discounts in the future for being a safe driver. Some carriers also give you a discount every 6-12 months for being claims-free. This could be rewarded with a mailed check or a discount at renewal.

Talk to your agent about telematics or receive a free auto insurance policy review.

As your insurance agent, we want to ensure you have the best auto insurance coverage for your needs. If you are unhappy with your current premium rate, we can shop our carriers for additional discounts like telematics or simply quote you with other carriers. Don’t hesitate to reach out to us.

How to protect your home from a wildfireWildfires occur every year and summer season is also known as fire season. Each year millions of acres across the country are scorched by both nature as well as human caused fire. By knowing how to minimize losses, human caused fires can drastically decrease with the proper education. Use these simple steps.

Equipment or toys can spark a wildland fire

Lawn mowers, weed-eaters, chain saws, welders, tractors, dirt bikes, and more can all cause sparks. Don’t mow dry grass or weeds. When you are maintaining your yard, avoid dry yard debris buildup.

If you are using a tractor, dirt bike or welder, avoid driving or using your welder near dry grass or brush.

Keeping your Home Safe from Wildfire Damage

Use fire-resistant building material for your home.

The roof and exterior surface need to be composed of non-combustible or fire resistant materials. This would include brick, stone, aluminum, tile, sheet iron, asphalt or slate. If your home is composed of wood or cedar, consider this a risk. Homes that are located in especially fire prone areas can escape damage by being entirely built of concrete and stone.

Maintain Your Roof

When your roof is filled with leaves, pine needles, branches, moss, you are increasing your risk for wildfire damage. Be sure to avoid letting these items collect on your roof.

Keep your Property Free of Dead Plants or Trees

Tree branches should be kept to a height of 15 feet.  Also, be sure tree branches aren’t near your chimney. If a branch is within 10 feet of the flue opening of the stove or chimney, remove it.

Keeping things like sheds and wood piles at least 30 feet away from your home helps reduce the chances of a fire jumping from one structure to the next.

It is important to understand the limits of your insurance policies as many natural disasters like floods or earthquakes require a special insurance policy while wildfires are generally covered under the comprehensive portion of a homeowner’s insurance policy. The price of the policy may be higher if you live in an area that is prone to yearly fires or if a fire station is far away.

If you have questions about your insurance, whether it is business insurance or truck insurance, contact our agency.

You Are Essential – One Year and Counting

Thanks to our transportation networks, our nation has been able to confront the COVID-19 pandemic. Now with the vaccine distribution, the trucking industry continues to help us get through this pandemic. No matter what you are hauling, you have played an essential role in keeping our country going. Thank you for your hard work during these difficult times.

Consider Downtime Coverage for Your Truck

If your truck is not on the road, you are not making any money. If your truck is involved in a covered loss, you can still get paid if your truck is not on the road. How is that? This coverage provides you with a payout each week that your truck is not on the road and is in the repair shop. To qualify you must meet three conditions:

  1. The insurance carrier gives the okay to repair the truck.
  2. The insured gives the repair facility the okay to repair.
  3. The vehicle is out of service for repair because of a covered loss and is in the custody of the repair facility.

Contact us to discuss this great coverage and to learn about certain restrictions and details. It is available as a part of other coverage, so be sure to inquire about your options.

Click here to get a free quote!

Is There Still a Driver Shortage? Why?

Even with the COVID-19 pandemic, there is still a driver shortage. A few reasons include driver violations for drugs like marijuana and equipment repairs. If your truck is not on the road, you are not making any money.

The best way to protect your trucking business is to keep your fleet of vehicles well maintained.

Strong Growth Expected for the Trucking Industry

American Truck Associations are anticipating tonnage to increase by 25.6% by 2030. They are also predicting revenues will increase 53.8% over the next decade.

Tesla Semi-Truck Production

Back in November 2017, Tesla gave a presentation on their electric semi-trucks. Even though production has been delayed, they continue to examine many ways to improve their design. They are even looking into ways to create long haul trucking for a 800-1,000 kilometer range. Tesla is finally moving this project forward and has recently posted job listings to begin the production. Telsa is taking $20,000 refundable reservations to order a Semi now. The base price of a 300-mile range is $150,000 and a 500-mile range for $180,000.

REMINDER: Make Easy Requests Through Our Website

Did you know we can update your existing insurance policy through our website? Request insurance certificates, update drivers or vehicles with one click of a button.

How to cook healthy meals on a long haul road tripDid you purchase a RV this past year or have you found you enjoy taking road trips? With the COVID-19 pandemic, many people invested in a RV, travel trailer or simply went camping more in order to safely travel & enjoy the beautiful outdoors. When you are taking a road trip or even preparing for a long haul in your semi truck, you do have to figure out how you plan to eat. Fast food and takeout from restaurants may be your first thought.

Have you ever considered that you can eat a great home-cooked meals on the road that doesn’t require much cooking at all? Of course, you can always make a grocery store run & cook just as you would cook a meal at home. But, this might mean buying all of the little things like spices, oils, etc.

In this blog, we share how to eat healthy on the road without having to spend too much time cooking. Plus, you might find you can get away with packing less.

Our basic cooking essentials – do you own the following items?

  • Portable Stove
  • Small Gas Barbeque
  • Pot, Pan or both
  • Water jug container (for cooking and cleaning pots/pans)
  • Soap/Sponge (for cleaning pots/pans)
  • Utensils and Paper Plates
  • Garbage Bag
  • Lighter
  • Propane Tank + an extra
  • A good cooler (if you are on a longer road trip, we love a cooler that can plug into your car!)
  • Ice Packs or Ice Bag

Having the following items above is a great start. They don’t take up too much space and provide you with everything you need to cook, eat & clean up afterwards.

Next, how can I prepare a delicious, healthy meal with minimal cooking?

Batch cook.

Batch cooking is simply preparing meals in your home before your trip. Choosing meals that freeze easy are key. Once you have cooked your meal at home, throw it into the freezer at least 24 hours before your trip. The day you are leaving for your trip, load it into your cooler frozen then layer on your ice packs to keep it cool. When it is time to cook, all you have to do is re-heat it using your portable stove or barbeque.

Some great food suggestions –

  • Frozen cooked burgers (turkey, beef or chicken)
  • Frozen Chili or other soup
  • Meat sauce / vegetable sauce
  • Frozen breakfast sausage links
  • Taco meat
  • Foil vegetables or entrees (prepare vegetables or entrees ahead of time & wrap in foil – simply place on your BBQ grill or unwrap and place into a pot or pan)
  • Frozen pizza slices

How to re-heat your meal? Either place your frozen burger on your barbeque or add your entrée into a pan or pot to re-heat on your portable stove. Within 10 minutes or so, you’ll have a tasty meal!

Other meals that don’t require much cooking –

  • Cold Sandwiches
  • Hot Dogs
  • Yogurt
  • Hard Boiled Eggs
  • Snack foods like rice cakes, chips, pretzels, trail mix
  • Anything that requires boiled water such as oatmeal or noodles
  • Prepared meals you enjoy eating cold (tuna salad, other cold salads and entrees)
  • Raw fruit and vegetables

We hope you found new tips that can help you eat healthy while traveling on the road. While we can’t prepare your meals for you, we can ensure you have the best coverage for your truck insurance. Whether you are shopping around for the best rate or are looking to purchase different truck insurance coverage, we are here to help.

How do I choose the right insurance company when there are so many to choose from?

How to determine the right insurance carrier for youWith such a large selection to choose from, it can be hard to know which insurance company is right for you. Many people revert to shopping based solely on price or they rely on recommendations from friends and family to evaluate which insurance company to go with. But your decision should be based on more than just cost or a recommendation from a loved one. Let’s take a look at how you can choose the right insurance company for your needs without having to spend hours of research.

Rankings

The results of consumer surveys are easy to find online and often offer more reliable information than individual online reviews. These surveys are generally in-depth inquiries into specific sectors of a market. Those responding to the survey will be asked several questions about their satisfaction with the insurance company and how much they pay for their various policies. You can even get insights on the best insurance company for specific issues such as claims satisfaction, availability of discounts, or customer service. Consumer survey results are available for many types of insurance including auto, home, health, and life.

Financial Stability

If an insurance company is weak financially, then there could be issues with paying incoming claims. That’s especially a concern if there’s a natural disaster and the company is hit with a large number of claims in a short amount of time. Financial stability ratings are available online and it’s worth doing some homework, especially if you’re considering going with a smaller or lesser known insurance provider.

Payment Plans

Different insurance companies take a different approach to payments. It’s best to look for a company that offers multiple payment plans. Some of the more flexible insurance companies offer discounts for automatic withdrawals or paying the premium in full. Likewise, beware of companies that charge excessive fees with each monthly payment as those costs can add up over time.

Buying Online vs Purchasing From an Independent Agent 

There are many big-name insurance companies that saturate the media with advertisements and commercials touting how much you can save in very little time. But these companies are not always the best option. While you may see and hear a lot less about independent agents, they offer some unbeatable benefits. These insurance professionals will take the time to understand your personal insurance needs and offer advice on which insurance companies are best for you. Independent agents have access to multiple insurance companies and they can effectively shop around for a policy that matches precisely what you’re looking for.

The best way to get more information on the best insurance company for you is to ask a licensed agent in our office. We can assist you with assessing your insurance needs and provide you with some quotes from several of the top insurance companies.

Call Us Today For A Free Consultation

Our licensed staff is ready to help you get multiple insurance quotes. Because we’re an independent insurance agent we can shop from multiple insurance companies to help you find the right coverage at the right price.

Distracted Driving Awaress MonthApril is Distracted Driving Awareness Month. According to National Highway Traffic Safety Administration, 3,142 lives were lost from distracted driving accidents. This increased 10% from 2018.

What is considered distracted driving? Any time you cannot have 100% full attention to driving your vehicle is considered distracted driving. Behaviors can range from talking on the phone, texting, talking to a passenger in your vehicle, eating, brushing your hair, adjusting settings in your vehicle or playing with your vehicle’s GPS while driving your vehicle. Unfortunately, distracted driving is more common than it should be.

Take this month to practice safe driving by eliminating any of the previously mentioned behaviors while driving. This will not only make you a safer driver, but keeps other vehicles on the road safer too.

Cell Phone Use

Cell phone use can be one of the most dangerous behaviors while driving a vehicle. Sending a text message while driving can take your eyes off the road for several seconds. Talking on the phone also creates enough distraction while driving. Here are some things to consider practicing this month –

  • Keep your phone in the back seat when driving to avoid looking at it, texting or talking. You could also consider other areas of your car like your trunk or glove box. If the glove box is tempting, place farther away from you like the back seat or trunk.
  • There are options to put a do not disturb setting on your phone while driving. This can help eliminate the distraction.
  • Make phone calls or texts before or after driving your vehicle.
  • If you are riding with a passenger, let the passenger be in charge of your phone for calls or texts.

Be Aware of Other Distracted Driving Behaviors

Do you find yourself eating in the car often? Grooming? Frequently fiddling with your entertainment system? Reaching in the back seat dealing with children? If you are guilty of these behaviors, how can you work to eliminate them?

Be a Good Role Model

Especially if you are a parent to children, you should demonstrate how to be a safe driver. Children see what you do and can easily follow in your footsteps. Cell phone use can be one of the most dangerous behaviors so practice never using your cell phone while driving. If you do not have kids, keep others you love accountable. Not only demonstrate safe driving practices while you are behind the wheel, but call out any of their behaviors you feel are unsafe while in the passenger seat.

While our agents cannot teach out how to practice safe driving, we can shop to find you the best rate for your auto insurance. Call our office for a free auto insurance quote. We’ll shop our carriers and provide you with several quotes to choose from. We’ll explain your coverage options too.