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3 weeks ago · by · 0 comments

How to Pick an Insurance Broker

In this blog post we will discuss why our agency is different, and what to look for when forming a relationship with an independent insurance broker.


About us: We do not cut corners.  We do not skimp on coverage.  We are in the business of providing financial guarantees.  Nobody wins when an insurance agency creates financial uncertainty in order to save the customer a few bucks.


At Inspire Insurance Services in Roseville, CA we give fundamentally sound advice.  We also build strong relationships built on trust and accountability. A good insurance broker should remove the need for you to think about insurance at all.  They take care of all the work!

When you find a good one, an independent insurance broker should be treated as a trusted advisor because that’s what they are.  Because an independent broker doesn’t work for an insurance company, they act on your behalf and make insurance carriers compete for your dollars.

 

That brings us to our next point.  Its best to align yourself with a broker that has a diverse pool of carriers to choose from in both commercial and personal lines.  This ensures that you will be offered a variety of coverage options. Remember insurance is not a one size fits all industry. Each situation is unique and only a broker with strong carrier alignment can serve your unique needs.

Consider that there’s more to an insurance broker than price alone.  At Inspire Insurance Services we do not charge fees for our work. But some brokers do.  That’s in part because of how time consuming it is for brokers to thoroughly evaluate and shop your insurance.  Brokers often times put in 10+ hours on a commercial account and many times the consumer decides to go another route.  That’s okay, its a part of the business.

 

Your insurance broker should be easy to access.  In the modern era you can contact your broker by text, email, or phone call.  While us brokers don’t work 24 hours a day, a good broker should be responsive to all your requests.

A good insurance broker will do a complete job, the very first time.  What this means is paperwork and answering questions that some people may deem to be unnecessary.  Without a comprehensive understanding of your situation, a broker can not give their best advice. Find a broker that doesn’t want to rush through the process and you’ll be protected much better than someone who does business with an agent who does an incomplete job.

This is a big one here so take notice of this next paragraph.  Find an insurance agent who provides you with a policy that is set up to protect you, not sell you.  We see this so often in the industry: insurance policies that are written to sell and not protect. Corners are cut, coverage amounts are decreased, deductibles are raises.  All these tricks in an effort to make the premium lower so that you sign on the dotted line.

If you aren’t in love with your current broker, if you haven’t heard from your broker in a long time, or if you’re simply looking to ask a question…  give us a ring!  916-750-2489

 

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3 weeks ago · by · 0 comments

What’s the Difference Between a Homeowners and Landlord Insurance Policy?

There are many different types of policies in the world of California property insurance.  Homeowners, renters, condos and landlord. You may have heard of a landlord policy being referred to as a dwelling fire policy.

At Inspire Insurance Services in Roseville, CA we have clients come to us confused as to what type of insurance they need.  No problems there, insurance IS confusing.

Renters insurance is fairly self explanatory.  You are renting an apartment or home from someone who has a mortgage on the property.  What you are in need of is coverage for your personal items inside of the apartment, home, or condo that you are renting.

Condos have different requirements than a typical homeowners policy.  These condo policies are written in a way to fit those specific needs.

Homeowners and landlord policies create confusion for many people.  Which one is right for the property you own?

This is determined by who occupies the home.

Do you occupy the home that you own?  A homeowners policy is what’s needed for owner occupied home.

But lets say you have a tenant in one of the homes you own.  A landlord policy is designed for tenant-occupied homes.

For the sake of clarity, even if you are not charging the tenant rent, you still need a landlords policy if you do not live in the home.

 

Aside from occupancy, a homeowners and landlord policy differ in coverage options too.

 

  • Coverage A- Dwelling
  •  Coverage B- Detached Structures (your tool shed, the detached garage)
  •  Coverage C- Personal Property (your stuff that isn’t part of the house.  I tell clients this is anything that would fall out that if you picked up the house and shook it upside down.  All your stuff that is not part of the home. By the way, we don’t recommend trying to pick up your house. Bad idea)
  •  Coverage D- Additional Living Expense (pays for expenses should you have to move out due to a covered loss- hotels, apartment, meals out, laundromat, etc.)
  •  Coverage E- Personal Liability
  •  Coverage F- Medical Payments to Others

 

A landlord policy includes:

  •  Coverage A- Dwelling
  •  Coverage B- Detached Structures (your tool shed, detached garage). Depending on the company, this coverage may not be automatic, but instead added on.
  •  Coverage D- Loss of Rental Value (similar to Coverage D above, except this pays for rent you can’t collect because your tenant has had to move out due to covered loss- house fire is a great example).
  •  Coverage E- Personal Liability
  •  Coverage F- Medical Payments to Others

 

So what’s the difference?  No Coverage C for Personal Property in a landlord policy.  Why? As a landlord it is not your responsibility to insure a tenant’s personal property.  That is what a renter’s policy is for.

With that said, its a good idea for landlords to insure items that they furnish for the rental property: stoves, refrigerators, washer and dryer.  You can add Personal Property to insure those items.

Its always best to get an insurance broker to hear your specific needs.  From there they can give you an idea of how best to protect yourself. If you own or rent a home in the state of California, give us a call at (916) 750-2489.

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Company Information

Inspire Insurance Services, LLC
Matthew Labb (Founder, Owner)
License #0N08062

Contact details

Location:
Roseville, CA
E-mail address:
matthew@inspireinsuranceservices.com
Phone number:
916-750-2489

916-750-2489

Available 8:00am - 6:00pm