Don’t Forget the Broker

Do not Forget !Shopping for auto insurance or homeowners insurance in California can be a very time-consuming activity. California auto insurance rates and California homeowner insurance rates can vary widely by insurer. There are so many insurance companies that do business in California that an individual may never know if he or she is getting the best deal possible.

One of the ways to avoid all of the confusion of trying to compare different insurance companies is to go to an insurance broker. An independent broker or a broker that only represents one company can be a great source of information when you need to buy insurance.

Brokers are well trained in all aspects of the insurance products that they sell. They must pass vigorous tests and receive a license from the state that certifies that they are qualified to sell a particular line or lines of insurance.

A California auto insurance or homeowners insurance broker can intelligently discuss all of the different types of coverage that might be appropriate for your particular situation. If you have any questions about whether it is wise to buy comprehensive coverage on an old car or what you can do to lower your premiums on your California homeowner policy, your broker can certainly answer them for you.

Going to an Independent Insurance broker in California is a little different than going to a broker dedicated to just one company. You will usually get a lower rate through an Independent broker because they deal with many different insurance companies. On the other hand, dealing with a single, national insurer may provide you with more stability and a wider array of insurance product.

So, in conclusion, if you do not like doing research and do not have the time to shop around, a broker may be the best choice when you need California insurance. You do not pay more for using the services of a broker than doing it yourself. It is also nice to know that you have someone to call just in case you have a problem with your insurance.

Your Pet Dog Rover Could be a Big Home Insurance Liability

Holds LiabilityA word to the wise: keeping your pet under control won’t only prevent you from incurring the ire of your neighbors, but it could also have a significant impact on your ability to keep the homeowner insurance you have and receive good rates on home insurance quotes.

You don’t have to look far to find stories about dogs that suddenly snap, and the image of the mail carrier being chased down the street by an angry ankle-biter is one that we’re all familiar with – a real life scenario that postal workers are probably all too well acquainted with. So what does this have to do with your homeowners insurance? A lot, in fact.

Believe it or not (and you’d be better off believing it) reports of insurance companies downgrading existing customers from receiving their best homeowner insurance rates as the result of the their dog biting someone are common. In some cases, insurance companies have actually gone to the lengths of dropping customers if they have reason to suspect that the homeowner’s dog is a danger that could come back to “bite” them in the form of injury claims.

So what’s a conscientious dog owner to do? Nothing, if you already take steps to control your pet beast. But if you’re not a conscientious dog owner and your pet is the terror of the neighborhood, you’d do well to invest in an outdoor dog run, heightened property fences, or obedience classes for dear old Rover if you don’t want to see your home insurance quotes skyrocket.