June 26, 2025
AgencyWhy Your Roof’s Age Matters to Insurance Companies
When it comes to homeowners insurance, the age of your roof plays a pivotal role in how insurers assess risk and determine your premiums. While it might seem like just another part of your home, your roof is actually one of the most critical components in protecting your property from weather-related damage. Concerns About Older […]
May 30, 2025
AgencyActual Cash Value vs. Replacement Cost: What is the Difference?
As a homeowner, you’re likely aware of the importance of home insurance. These policies can offer robust and versatile financial protection for you, your family and your property, potentially accounting for unexpected losses and expenses caused by various incidents and perils. However, while you may think you fully understand home insurance, coverage can be nuanced. […]
March 27, 2025
AgencyTop Factors Impacting Your Auto Insurance Cost
Understanding the factors influencing your auto insurance cost can help you make informed decisions and save money. Auto insurance can provide financial protection in accidents, theft or other covered incidents. Still, the cost of this protection can vary significantly based on several key factors. By gaining insight into these factors, you can better navigate the […]
February 26, 2025
AgencyWhat Impacts Your Homeowners Premium and How to Save
When it comes to protecting your home, understanding what influences your homeowners insurance premium is crucial. Knowing these factors allows you to make informed decisions to lower costs while potentially ensuring adequate coverage. Location of Your Home The location of your home significantly affects your premium. Homes in areas prone to natural disasters typically have […]
February 14, 2025
AgencyWhy is it Important to Have Insurance Coverage for Fires?
Natural disasters can strike when we least expect them, and fires, especially wildfires are one of the most unpredictable and devastating especially if you don’t have insurance coverage for fires. In recent years, California has seen the shocking power of wildfires. Entire neighborhoods have been reduced to ashes, leaving families homeless and scrambling to rebuild […]
December 23, 2024
AgencyWhy Is Commercial Property Insurance Necessary?
Commercial property insurance is essential for businesses in , , protecting against risks that could lead to significant financial losses. In the wake of fires, theft, vandalism and other incidents, this insurance can help businesses recover and continue operations after unexpected events. In a region prone to severe weather, having adequate commercial property insurance is […]
October 29, 2024
AgencySpooky Safety – Tips and Tricks for Staying Safe this Halloween
Halloween is a blast, but safety is key to making it a good time for everyone. When carving pumpkins, use a pumpkin carving kit instead of sharp kitchen knives—research shows over 41% of Halloween injuries are from hand cuts, often during carving. For trick-or-treaters, being visible is critical, as pedestrians are twice as likely to […]
October 21, 2024
lonestarinsHow Age and Annual Mileage Impact Your Insurance Costs
When it comes to car insurance costs, two significant factors that influence your premium are your age and the number of miles you drive annually. Understanding how these elements affect your insurance cost can help you make informed decisions and potentially save money. Age and Insurance Costs Age is a critical determinant in calculating car […]
September 23, 2024
lonestarinsSafety First – Fall Decorating
As fall and Halloween approach, decorating your home can be fun, but it’s important to keep safety in mind. Here are some easy tips to help you decorate safely: Use Safe Materials When picking decorations, make sure they’re fire-resistant, especially if they’ll be near candles or lights. Instead of real candles, use battery-operated ones to […]
September 10, 2024
lonestarinsSchool is in Full Swing
Adjusting to the back-to-school season can be challenging for families, but with a little preparation, the transition can be smoother for everyone. As summer draws to a close, it’s important to ease into a routine that mimics the school day. Start by adjusting bedtime and wake-up schedules a week or two before school begins. This […]