California Insurance Quotes

Do you need an insurance quote in California? If you’re a young person just entering adulthood, insuring against life’s unexpected occurrences is just one of the new responsibilities you’re taking on. You’re probably thinking “why am I paying all this money and getting nothing for it!” But that’s not quite correct. It only seems that way.

You’ve only got to look around to understand that accidents happen every minute of every day – to someone who didn’t see it coming. Not everyone’s life works out just the way they plan it. Things can go wrong - and you may not be able to prevent them, but at least for some of them, you can take out insurance to minimize the discomfort or financial loss.

As a child it’s easy to feel invincible but as an adult, you know that the world is full of hospitals for accident victims and those of all ages diagnosed with illness; there are fire brigades the world over putting out house fires and police chasing down car thieves and burglars. As a young adult, it can be difficult enough to get a start in life and build your own asset base, so insure what you can – your health, your car, your home or other possessions.

You don’t need to “go it alone”. A good insurance agent can potentially save you hundreds on your policies – and the hassle of hanging on the phone to insurance companies. So if your looking for a cars insurance quote or looking to get a life insurance quote, why not get the answers you need today? Call us now or send an enquiry online.

Location and Its Relationship to California Homeowners’ Insurance Premiums

You don’t have to be a real estate snob to know the saying, ‘location, location, location.’ Location can affect many aspects of your life – including your homeowners’ insurance premium. Of course, your homes’ features and characteristics are a large part of the premium equation, but even the sturdiest built house is going to have higher premiums if it’s in a high risk area. But what constitutes a high risk area?

One big location variable is the prevalence of extreme weather conditions. If you have a house in California, or somewhere along tornado alley, that location will likely add to the cost of your homeowners’ insurance premium. If you live in Southern California, someplace along the San Andreas Fault, that expected ‘big one’ may not occur without doing a little harm to your home.

Some areas have higher levels of criminal activity and this factor will affect your premiums too. A home in one suburb may be twice as likely to be burgled as one in the nearby suburb. The same factor will affect your auto insurance too. Location is just one of those measurements that will forever be associated with housing, whether with purchasing and selling homes, or buying insurance for them.

 If you’d like a competitive quote on homeowner’s insurance in California, speak to someone at our agency today.