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Water caused $9.1 billion in annual homeowner policy property losses from 2007 to 2009. Up to 93% of that damage could have been prevented according to this article at claimsjournal.com.

http://www.claimsjournal.com/news/national/2011/04/08/184301.htm

For information about home insurance or apartment building insurance quotes in San Diego, please visit our website.

Do you own an apartment building? Rates for apartment building insurance in Riverside can be very affordable when working with the right insurance carrier. When was the last time that you reviewed your apartment building insurance policy?

Being a landlord in California can have it’s challenges, but also be very rewarding at the same time. There are many ways to save on your apartment building insurance. Have you considered raising your deductible? Sometimes going with a higher deductible can lower your overall insurance premiums very substantially. Just make sure that you are comfortable with the deductible. Some insurance carriers offer credits for being claims free, having a fire alarm system, or a gated community. Check with your California apartment building insurance agent today for a coverage comparison.

This blog is for realors in San Diego looking for home insurance in San Diego for your client’s:

I can help you close your home sales faster!

If you’ve ever had a closing delayed because your client didn’t have an insurance policy, I can help!

I’m proud to represent Foremost Insurance in San Diego, where your clients can find flexible coverage for their vacant, landlord and rental properties. Unlike most insurance companies, Foremost® offers a policy which allows your clients to buy the coverage they want for their particular situation. Highlights of a Foremost policy include:

• Customized coverage. Coverage is based on what your client wants – from the dwelling only to a full range of optional coverages.
• Discounts. Clients with multiple Foremost policies, superior insurance scores and burglar alarms may qualify for a discount.
• Excellent claim service. Policies are backed by Foremost’s excellent reputation and award-winning HelpPoint® claim service. Adjusters are trained in settling claims fairly and timely.
• Flexible payment options. Clients can choose the payment plan that best fits their budget.

Help your clients close the deal by referring them to me for a free, no-obligation quote.

*Product availability is based on authority and all products may not be available in all areas.

Landlord insurance in San Diego can be very affordable. Is this a new home purchase or did you just recently decide to rent out your home? If you are renting out your home, you might need to get landlord insurance in San Diego or rental home insurance.

Are you going to have your personal belongings inside the house when it is being rented others and tenant occupied?

Your home could be your single largest investment. Check with your local San Diego insurance or apartment building insurance agent to make sure that you have the correct type of insurance policy for your home.

Are you looking for a local home insurance in San Diego? Some people prefer to do everything over the phone and online, while others enjoy the convenience of a local San Diego insurance agent to help with their insurance needs.

If you prefer the convenience of meeting with your agent face to face and dropping by the office, a local San Diego insurance is the way to go when shopping for your auto, home, landlord insurance, apartment building insurance, or health insurance needs.

Now has never been a better time to shop for health insurance in San Diego. Anthem Blue Cross in San Diego and Blue Shield have many nice plans. There are many new PPO and HSA health insurance plans on the market with deductibles ranging from as low as $400 to as high $10,000. Call your local San Diego insurance agent today to get help with all of your auto, home, and health insurance needs today.

Are you traveling outside of the country and need short term health insurance? Does your health insurance in San Diego plan give you coverage when traveling outside of the country?

Some health insurance plans in California have very limited benefits when traveling outside of the USA. Check with your agent or company to verify your health insurance plan benefits before you leave the country.

Travel medical insurance is very affordable and is very easy to apply. You can choose plan options for the amount of time that you will need the coverage by the day. Usually you can apply online by answering a few quick questions and be finished within a few minutes. It’s very easy. Call your local San Diego insurance agent today.

When was the last time that you reviewed your health insurance in San Diego? If you can’t remember, then maybe it might be a good time. Springtime is here and there has never been a better time to compare PPO health insurance plans in California.

Do you need a plan with name brand prescription benefits?
Do you need maternity benefits?
How often do you visit your doctor on yearly basis?
Does your current plan include preventative care benefits?
What deductible do you prefer?
How much are you looking to budget on your health insurance premium each month?

These are just a few of the questions that you need to consider and discuss when looking at health insurance plans in California.

There are so many new plans on the market for individuals and family health insurance. Call your local San Diego health insurance agent today if you have any questions about plans or benefits. Once you find a plan that fits your needs, you can apply online or complete a paper application. Anthem Blue Cross applications or Blue Shield application online.

What type of home insurance do you need if you live in an HOA? Are you purchasing a new home and not sure what type of insurance policy you might need?

A good place to start is to check with your homeowners association and ccr’s. If it’s a detached home in an HOA, you might need a typical homeowners insurance policy or HO-3. Some HOA’s cover only the common area’s and clubhouse. If it’s in a condominium, you might need an HO6 or condominium owners type policy. Check with your HOA or your ccr’s to verify.

Feel free to call your local San Diego insurance agent if you have any coverage questions or would like a coverage comparison on your home insurance in San Diego.

Do you own a home or condo in California? Have you considered adding earthquake insurance in California? You have options for earthquake insurance and we are available to help. Whether this is your primary residence or it’s a rental home, earthquake insurance is important.

As you know, property damage from a major earthquake can cause devastating financial hardship. The 1994 Northridge earthquake, which measured 6.7 on the Richter Scale, caused $20 billion of property damage and left thousands of families temporarily homeless. As your insurance advisor, we strongly recommend you consider adding earthquake insurance before another major earthquake strikes California.

For earthquake insurance quotes in San Diego, call your local San Diego home insurance agent today to discuss your options.

When was the last time that you looked at life insurance? Do you own a home or have a business or have a family and loved ones? Many people don’t have life insurance and it could potentially be devestating if something were to happen.

Life insurance can very affordable, especially term life insurance. Check with your local San Diego life insurance agent today to discuss your insurance needs.

It’s unfortunate that individual health insurance is subject to underwriting approval. Not everyone get’s approved with individual health insurance in California.

We have seen it many’s times where one person might get declined with one health insurance company, but then get’s approved with another health insurance carrier in California. Each company has different underwriting guidelines.

Call your local San Diego health insurance agency today to discuss your health insurance needs quick quote on you or your family’s health insurance. Before you submit your Anthem Blue Cross in San Diego or Blue Shield application, call your local agent to discuss.

Are you an owner of an apartment building? When was the last time that you reviewed your apartment building insurance in California? If you can not remember, than maybe it’s been too long and you might be able to save. Rates are very low now for apartment owners insurance

There are many ways that you can reduce your insurance premiums. Have you considered going with a higher deductible?

Are you getting all of the discounts possible on your apartment building? Have you been claims free? Call your local San Diego apartment building insurance agent today for quick and fast quotes for your apartment building insurance today.

Do you have a wood roof and having trouble finding home insurance in California? Some home insurance company’s in California have restrictions on the types of roofs on homes that they will insure.

Some wood shake roofs offer less fire protection than other types of roofing materials. Your roof is the home’s initial shield of armor, protecting your interior from storms and outdoor elements.

When purchasing your house and getting a quote on your home insurance, it’s important to be accurate with your home insurance company to make sure that you are getting an accurate quote. Some home insurance company’s might surcharge wood roofs and there are others that won’t insure homes with wood roofs.

Call your local California home insurance agent for a quote for your home insurance today.

Act Before March 1st to get the Health Care Your Children May Need!

Important Enrollment Window is closing soon. If your children are uninsured in California, there are new options to get them covered, but it’s important to act now! Whether your children prefer Anthem Blue Cross or Blue Shield in California, there are options.

Call our office at 619-299-6000 or visit our website for more information about health insurance in San Diego today!

Taken from the dept of insurance:

If a private insurance plan is unaffordable, don’t give up. With the recession hitting California families hard, low-cost or no-cost insurance from Healthy Families and Medi-Cal keep millions of California kids healthy. Your child may qualify if your family income is up to roughly $46,000 annually (for a family of three – higher for larger families). For more information call 1-877-KIDS NOW

Do you own a rental property in San Diego? When was the last time that you reviewed your insurance policy to make sure that you have the correct type of insurance policy and coverages. Some insurance company’s call this a landlord insurance policy or rental home insurance.

Is your rental home furnished with your personal property?

Rental dwelling insurance in San Diego can be very affordable. Some insurance carriers even give you a discount on your rental dwelling when you insure your primary residence with the same insurance company.

Call today for a quick quote or setup an appointment to discuss your rental home insurance in San Diego.

Are you in the process of purchasing a new home in San Diego, California? Before you can close Escrow, most lenders require that you obtain home insurance in California or hazard insurance in San Diego. Hazard insurance or fire insurance is another term that some escrow company’s refer to home insurance.

Is this going to be your primary residence or a rental property? Check with your local San Diego insurance agency to make sure that you have the proper insurance coverage for your new home.

It’s good to start looking for home insurance as early as possible once you begin your Escrow process so that you don’t have any delays at the end when you are closing escrow. Whether your are looking for home insurance as a primary residence, rental property or landlord insurance in San Diego, your local agency should be able to help you find the right insurance coverage at a competitive rate.

What does it take to get a competitive homeowners insurance quote in San Diego? When working with a reputable insurance agency, we can help make the process as easy as possible.

You’re busy, have a lot of things on your mind and we understand. Our full service agency makes insurance interesting and fun. We can help you get the most for your insurance dollars.

Looking to close escrow soon – no problem! Our office is experienced with helping to coordinate your home or hazard insurance in San Diego with your Escrow / Title Company to help expedite the processs.

Whether you are looking for home insurance for your primary residence, a landlord insurance quote, or information for your apartment building insurance - there is an agent standing by to help.

So, what’s the latest for the health care reform in San Diego? Wondering about when the health insurance open enrollment period for children under 19 years old?

2010 was a very busy year, as we endeavored to provide you with important information to help guide you through the significant changes in health care.

Your local San Diego insurance agent has all of the latest info for individual and family health insurance in California. Call your local San Diego health insurance specialists at 619-299-6000 for the latest information on Health Insurance in San Diego. Our office is an independent agent with Anthem Blue Cross, Blue Shield, Aetna, Kaiser, and Health Net

What is hazard insurance? When purchasing a home, Hazard insurance is a term that some people use for home insurance or fire insurance. It is important to start shopping for hazard insurance quotes in San Diego before your escrow closes. Whether your home is owner occupied or a rental dwelling, most lenders require that you have home insurance or hazard insurance in order to close escrow.

Call your local San Diego insurance agent today for a comparison quote on your home insurance or hazard insurance. Take advantage of all of the discounts by packaging your auto and home insurance to save. Most companies give you a discount on both your auto and home insurance when you bundle them together with the same insurance company. Call today and save on your hazard insurance in San Diego!

Your local San Diego insurance office is ready to help with your home, landlord insurance in San Diego, auto insurance, and apartment building insurance needs this week.

Whether this is your first time shopping for home insurance quotes in California, now is the time to compare. Call your local San Diego agent today to save.

According to the National Fire Protection (NFPA) – Fire Analysis and Research Division, Heating devices are one of the leading causes of home fires during the months of December, January and February. Almost half of home heating equipment fires are reported during these months. The best way to fight fire is to prevent it from occurring. So take a minute to review these important tips about home fire safety.

Some figures:

U.S. Fire Departments respond to 260 home fires annually that begin with Christmas trees, resulting in 40 deaths and nearly $14 million in damage

Half of home heating fires are reported during the months of December, January and February

Source: National Fire Protection (NFPA) – Fire Analysis and Research Division

For San Diego home insurance information, call 619-299-6000

Happy Holiday’s!! Hope you are having a joyous and safe holiday season!

Anthem Blue Cross of California is coming out with new PPO health insurance plans and rates starting in the new year of 2011! So far, the PPO health plans plans and rates look competitive. Anthem Blue Cross health insurance in San Diego is a great option for individuals and family’s. This is great news that there are finally more plans on the market.

Health insurance has been the topic of news lately and people are always shopping for health insurance. When was the last time that you reviewed your health insurance in San Diego? Whether you are looking for an individual, family, or small group health plan, call your local agent for a coverage comparison or a quick health insurance quote today!

Thank you for all of the wonderful Veterans to make the country the way it is today!

San Diego and our country is so lucky to have you!

We are getting some great weather lately – it feels like Summer! With this great weather that we are having recently, you might be out and about looking at homes to buy.

If so, you should always consider home insurance in San Diego when looking at homes. Home Insurance in San Diego can be very affordable. Ask your local San Diego insurance agent for a quote on any potential home that you are looking to purchase. This could be your single largest investment – so you will want to make sure that you have the right type of insurance coverage for your home. Your local agent should be able to help with different deductible options so that you can make the best decision for your needs.

Call your local San Diego home insurance today for a free quote on your home insurance! Besides home insurance, your local agent can also help with landlord insurance or rental home insurance in san diego.