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10 Things Every Home Owner Should Do At Least Once A Year! 

12/30/2016

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As most people, your home is probably your biggest investment, and the smart thing to do is making sure your investment is well protected.
Below are the important things to annually to make sure your homeowners insurance is up to date, accurate and you are not paying for more than you have to.​

  1. Review you homeowners insurance policy before every renewal.
  2. Contact your agent to update your policy before every major upgrade to your house.
  3. Take inventory of your personal property. One of best ways to do it is to film everything is your house and email the video to yourself just incase the device you are filiming with is destroyed/stolen or lost.
  4. Contact your agent to update your policy if you are planning to get a pet, increase your liability coverage. Certain dog breeds may not be covered under your homeowners policy.
  5. Consider getting an umbrella policy.
  6. Go over what is covered and what is NOT covered by your policy and make changes accordingly.
  7. Shop other insurance companies before each renewal. Insurance rates fluctuate evey year and it is best to have an agency you can trust and has access to most insurance companies.
  8. Consider bundling at least your auto and home policies, the discount can make a significant drop in premium.
  9. Consider obtaining a mortgage protection policy, also known as life insurance. In the event that you are not around, your spouse and kids won't have to leave the house and maybe move to a bad neighborhood because they can't afford the mortgage.
  10. Consider Earthquake insurance. If you live in California, earthquake insurance is just as important as your homeowners insurance. And if you already have earthquake insurance make sure your review annualy as well.

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Have You Reviewed Your Policy Lately?

12/20/2016

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Even tho insurance is considered the second biggest expense after mortgage, most people make the mistake of not reviewing their policy at least once a year.

Having an insurance policy is NOT only to satisfy the mortgage company (Lender), its primary purpose is to restore your home to its previous state after an incident occurs. 

So why you don't take time to review your policy?

Policy review does NOT take lot of time, it's a simple few minutes review going over the coverage and making sure it is adequate for the grade of your house (If any upgrades have been done) For example: If you upgraded the kitchen, you wouldn't want it to be rebuild to a basic kitchen. Next is your personal property, making sure all of your personal property will be covered in case of fire or theft. And last is your personal liability, we live in a "sue happy country" you want to make sure you don't lose what you worked hard for because of a law suit.

There are other things you should go over during your review, and that is where you trust insurance specialist comes in play.

We offer review of your insurance policy(ies) absolutely FREE of charge.

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Have You Ever Asked Yourself That Question?

12/14/2016

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Insurance is a form of risk management in which the insured transfers the cost of potential loss to another entity in exchange for monetary compensation known as the premium.

Nowadays, people insure pretty much anything, but insurance is appropriate when you want to protect against a significant monetary loss. Take life insurance as an example. If you are the primary provider in your home, the loss of your income as a result of your premature death is considered a significant loss and hardship that you should protect family against. It would be very difficult for your family to replace your income, so the monthly premiums paid by you for the insurance policy ensure that if you die, your income will be replaced. The same principle applies to many other forms of insurance. If the potential loss will have a detrimental effect on the person or entity, insurance makes sense.

Everyone that wants to protect themselves or someone else against financial hardship should consider insurance. This may include: 
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  • Protecting family after one's death from loss of income
  • Ensuring debt repayment after death
  • Covering contingent liabilities
  • Protecting against the death of a key employee or person in your business
  • Buying out a partner or co-shareholder after his or her death
  • Protecting your business from business interruption and loss of income
  • Protecting yourself against unforeseeable health expenses
  • Protecting your home against theft, fire, flood and other hazards
  • Protecting yourself against lawsuits
  • Protecting yourself in the event of disability
  • Protecting your car against theft or losses incurred because of accidents
  • And many more
Auto Insurance
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How To Secure a Low Premium After a Ticket/Accident

12/13/2016

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Generaly speaking, most citations and or accidents stay in the driver's record for Three years, with the exception of major incidents such as DUI, besides the huge bad impact it can have on you and others, a DUI stays in the record for ten years (Never drink and drive!).


How To Secure a Low Premium After a Ticket/Accident

The best thing you can to yourself after you have had an accident or a citation is know where you stand, figuratively speaking, and then act accordingly.

If you had an accident, you can NOT do traffic school, all you can do is find out when that accident will hit your record and right before it does, go secure a new 12 months auto policy, your premium will be based on that accident not showing in your record and you keep your low premium going for a full year.

When it comes to citations/Tickets, you can be eligible to do traffic school, if you haven't done it within the last 18 months and if you don't have too many citations, MAKE SURE you ask for traffic school when paying your ticket, I hear people always saying "Well, they didn't offer it to me so I figured I'm not eligible for it" WRONG!. Most of the times, they will not mention it to you, you will have to ask for it!. Nowadays, you don't even have to go to the courthouse anymore, you can do all of that online, including the traffic school, you don't have to go to an actual physical class anymore. After you  pay for your ticket and traffic school. And MAKE SURE you actually do the traffic school, some people think that just by paying that extra fee to the court for traffic school that it's all they have to do. 
Most courts charge around $50 extra for traffic school, they'll give you a list of the eligible school, go to Groupon and you can purchase an online traffic school sometimes as low as $6. Once completed and you pass, the school automatically notifies the court and the DMV, BUT it is your responsibility to double check with the court and the DMV to make sure they received it. 
By doing the traffic school, that citation won't show in your driving record and your insurance premium won't be affected.
In the case that you can't do traffic school, as mentioned with accidents, make sure you secure a new 12 months auto policy right before the citation hits your record.

At least this way if you are going to pay extra for insurance because of an accident or citation and you can't do traffic school, instead of paying for 3 years, secure your low premium for the first year and just deal with the last two...

If you need help with you auto insurance contact us, we will be happy to assist you!

Click here for >>>>  Auto Insurance Quote

We also offer homeowners and renters insurance.

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California Driver’s License Information For Undocumented Residents

11/30/2016

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Assembly Bill 60, also known as AB 60, the New Driver’s License bill for California residents who do not have proof of legal U.S. immigration status, went into effect on January 1, 2015.

What you need to get this lcense?

  • Pass written, vision and driving tests
  • Provide a valid and current form of identification
  • Proof of living in California (such as property titles, lease or rental agreements or. utility bills)

What will the driver’s license look like?

  • The drivers License uses the initials “DP” (Driver’s Privilege) instead of “DL” (Driver’s License) in the license.
  • Adds a notice that states: “This card is not acceptable for official federal purposes. This license is issued only as a license to drive a motor vehicle. It does not establish eligibility for employment, voter registration, or public benefits.”

What undocumented immigrants need to know:

To provide guidance for acceptable identification documents, AB 60 directs the DMV to accept the following forms of documentation:
  1. A valid, unexpired consular identification document issued by a consulate from the applicant’s country of citizenship, or a valid, unexpired passport from the applicant’s country of citizenship.
  2. An original birth certificate, or other proof of age, as designated by the Department.
  3. A home utility bill, lease or rental agreement, or other proof of California residence, as designated by the Department.
  4. The following documents, which, if in a language other than English, shall be accompanied by a certified translation or an affidavit of translation into English:
    • A marriage license or divorce certificate.
    • A foreign federal electoral photo card issued on or after January 1, 1991.
    • A foreign driver’s license.
  5. A United States Department of Homeland Security Form I-589, Application for Asylum and for Withholding of Removal.
  6. An official school or college transcript that includes the applicant’s date of birth, or a foreign school record that is sealed and includes a photograph of the applicant at the age the record was issued.
  7. A United States Department of Homeland Security Form I-20 or Form DS-2019.
  8. A deed or title to real property.
  9. A property tax bill or statement issued within the previous 12 months.
  10. An income tax return.

What unlicensed drivers need to do:

Those undocumented immigrants who are unlicensed and lack insurance should be taking steps now to ensure they’re ready to take advantage of this new California law and qualify for their driver’s license.
So, what can an unlicensed driver do to prepare for AB 60? First things first – learn California’s motor vehicle laws. DMV encourages future applicants for a driver’s license to prepare for the written exam by studying the California Driver Handbook, available on the DMV webpage at www.dmv.ca.gov. The website also features sample tests that can be helpful study material for the applicants. The California Driver Handbook is available in 10 languages at all DMV field offices: English, Armenian, Chinese, Farsi, Korean, Punjabi, Russian, Spanish, Tagalog, and Vietnamese.

If you are an undocumented immigrant and need insurance,
Casablanca Insurance
offer a range of plans for people without a license.
Click Here for Free Auto Quote
Or Call Us (909)766-0049

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Top 5 Things You Need To Know About Homeowners Insurance

11/28/2016

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Over the year in the insurance industry, I have seen it all and have seen many changes except for one. You have on one side the insurance carriers (companies), and on the other had the customers. Now insurance companies make changes, have been making changes and will always make changes to make sure they stay profitable, customers knowledge of their insurance and policy stay the same. 
When it comes to your insurance, as a customer, what you don't know CAN hurt you , and it can hurt you badly.
One of our missions i to educate our customers, so here you go!
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Top 5 Things You Need To Know About Homeowners Insurance

1. Guaranteed Replacement Cost Coverage

Many homeowners make the mistake of not insuring their home for the cost of home replacement. Insuring to the market value of your home may seem reasonable; however, it may actually cost more than your home’s current market value to rebuild the same home. The cost of building and supplies generally increases over time and those costs may further spike in the event of widespread damage. With guaranteed replacement cost coverage, the insurer will pay to rebuild your home—regardless of cost. You deserve to have peace of mind, knowing that in the event of a disaster, you can have your house back. Make sure that you consult with your insurance professional about guaranteed replacement cost coverage.

2. Taking Inventory

If you don’t take an accurate and detailed inventory of your personal possessions, in the event of a loss, you could wind up with a lousy recovery. We recommend you take a detailed inventory, including pictures and/or video, and that the inventory be stored remotely or in a fire-safe box or preferable a secure cloud account. Special items such as jewelry, collectibles, and guns may be able to be added to your homeowners insurance policy with an endorsement and/or rider. Jewelry, for instance, without a separate rider, may only be covered for up to $1000 per item and up to a total of $2500 per incident.
A neat little tidbit about homeowners insurance is that the loss of your covered items may not necessarily have to be limited to a loss at home. If your engagement ring was covered under your homeowners insurance policy and you lost it while honeymooning in Europe, you still will probably be able to make a claim for the ring’s value.


3.  Inquire About Water Backup Coverage

Just because you have flood insurance (which is separate policy from homeowners policy), it doesn’t mean you’ll be covered if your house floods. A few weeks ago we touched on federal flood insurance through FEMA, but that flood insurance doesn’t typically cover flooding from sewage backup, or when groundwater seeps in through your walls. To be covered for these types of flooding, you usually need a separate water backup endorsement. These endorsements are not very expensive so we strongly recommend you look into it, you'll thank yourself and us if ever that day comes and need to use it.

4. Don’t Skimp on Liability Insurance (Especially if You Have Kids and/or Dogs)

If someone gets injured in your home or on your premises, you could be looking at a lawsuit. Dog bites, kids falling out of trees, and slips on icy driveways are just a few potential home hazards and bank account decimators. We strongly recommend you speak with your financial planner to discuss how much coverage is necessary to protect your personal assets in the event of an accident, also consider getting an umbrella policy, it can be a an assets saver in case of a major accident and it is extremely cheap compared to how much it covers.

5. Don’t file a Claim Simply Because You Can 

Before you make a claim on your homeowners insurance policy, make sure that you’re not winning the battle and losing the war. Many people have started using their homeowners insurance policies more as home maintenance policies. These people make many small claims on their policies for the simple upkeep of their homes. Many of these people are hurting themselves in the long run. Claim-happy individuals will be impacted not only with yearly rate hikes, but also may find it difficult to find affordable insurance in the future.
Contrary to what you might think, it is the number of claims made, not the amount of your claims that most significantly impacts your rates. Many small claims will hurt you more than a single, large claim. If you’re thinking of making a claim, choose—but choose wisely. Companies will normally take a look at your five-year track record of homeowners insurance claims when setting premiums.


I hope this article has been of some value to you, I should probably add that EarthQuake Insurance is also not included in the homeowners policy.

If you need help with your insurance, reviewing and understanding you policy/coverage, feel free to contact us, we'll review your policy(ies), explain your coverage absolutely free.

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SR-22: 3 things you should know.

11/23/2016

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1. It’s not really insurance 

 
​While many refer to “SR-22 insurance,” an SR-22 is actually just a certificate your car insurer files with your state to vouch for you. Basically, it verifies you have financial responsibility. You only need an SR-22 if a judge says you do—this can happen after certain violations, or after a succession of them. 


If you’re required to carry an SR-22 and you already have insurance, you’ll just need to add it to your policy. If you’re not insured, you’ll need a non-owner auto policy aka SR-22.

​2. It’s not (too) expensive


Having an SR-22 filing might cost you a little extra (again, temporarily):


  • There’s a fee to file it, generally around $25. If you don’t have insurance, the fee can be included in your Casablanca Insurance quote.
  • Your insurance rate might go up if you need the SR-22 because of a moving violation or accident.
  • Certain states require you to pay in full when you have insurance that includes an SR-22 filing.

3. It’s not forever


In three years—give or take, depending on your state—you won’t need your SR-22. At that point, call your insurer and ask to have the filing removed from your policy.


Three years is also how long it takes, generally, to clear your driving record. So, any violations that triggered your needing an SR-22 have cleared from your record, too (Unless if it's a DUI, this violation stay in your record for 10 years).

No one wants to be in the position of looking for SR22 insurance quotes, but if you do find yourself in this situation, we can make sure the process is as smooth and painless as possible. We're also here to make sure you don't pay any more than you have to for this specialized type of auto insurance. If you're looking for good, cheap SR22 insurance, you have come to the right place. We're here to provide accurate information and price quotes so you can decide on the policy that's right for you.
In the meantime, keep your head up, know that lot of us have been there, and remember, with time, this will become “that one time when …” part of the past.
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Ways to save money on Motorcycle Insurance

11/9/2016

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California requires all motorcycles to carry insurance just like a car would have to do. Rates for motorcycle insurance vary widely depending on a number of factors.

Type of Motorcycle

The type of motorcycle you drive has a big impact on insurance rates. A more powerful machine will cost as much as 10 times more to insure as a basic model or moped. In addition, a standard motorcycle insurance policy will not cover aftermarket parts or custom built bikes, so special coverage (at an additional cost) will be needed.

Helmet

LawsBecause wearing a helmet lowers the risk of death in a motorcycle accident, states with helmet laws have lower insurance rates than those that do not. California does have a law requiring all riders including passengers to wear a helmet that meets safety standards.

Full vs. Liability-only Coverage

Similar to cars, motorcycles must carry minimum liability insurance; in fact, the minimums for motorcycles in California are the same as those for cars. Carrying physical damage coverage is not required by the state, but is likely required by the lien holder if the motorcycle is financed. Lien holders want to know that they can recoup their money in the event of damage or loss.
If you own the motorcycle outright, you should consider the impact it would have if your bike were totaled. If you don’t depend on it to get you around, you may not need to replace it if an accident were to occur. Alternatively, you may have enough money saved to replace it on your own without help from the insurance company. In these situations, you don’t need to carry collision and comprehensive coverage, which will lower your insurance cost significantly.
Belonging to a motorcycle club can get you a discount on insurance.


Choosing a Deductible 

If you feel strongly about wanting to repair or replace the motorcycle, however, full coverage may be your only choice. In this case, choosing a lower deductible will mean less out of pocket cost, but a higher premium. A higher deductible will lower your premium; just be sure you can pay the deductible amount out of pocket if you need to.

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Discounts

The discounts available for motorcycle insurance are similar to those for auto insurance. Having a safe driving record, good credit rating, taking a safety course, and belonging to a motorcycle club or association are all good ways to save.
Get a motorcycle insurance quote from Casablanca Insurance to protect yourself from liability and loss while riding your two-wheeled vehicle.




The information in this article was obtained from various sources. This content is offered for educational purposes only and does not represent contractual agreements, nor is it intended to replace manuals or instructions provided by the manufacturer or the advice of a qualified professional. The definitions, terms and coverage in a given policy may be different than those suggested here and such policy will be governed by the language contained therein. No warranty or appropriateness for a specific purpose is expressed or implied.
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How far can you drive your car on empty

9/28/2016

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We all found ourselves at some driving the car while on empty.
So it's helpful to know exactly how many miles your car can travel once that low-fuel warning light turns on. 
You might be tempted to trust the miles-to-empty display that comes standard in many car dashboards these days. But the experts at car repair service YourMechanic say you can't rely on that number alone: It's based on your average gas mileage over time, but you're not always going to be in average driving conditions.
For example: If you normally drive on the highway but suddenly end up in gridlock traffic, your miles-to-empty gauge won't be accurate.
Luckily, YourMechanic has assembled a handy chart for the 50 most popular cars in America, showing how many miles you can actually drive on empty. There's a pretty surprising range of possibilities: Some models can get you about 100 miles, while others will only take you 30.
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By the way: Habitually running on empty is really bad for your car. Debris and contaminants tend to settle at the bottom of the fuel tank, and constantly driving with a low level of fuel means some of that debris can damage the fuel pump.  


Read more about the risks of running on empty over at YourMechanic.
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Review your insurance policy at least once a year.

8/22/2016

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Your last policy may not still be the best deal for you.

A J.D. Power study found only 33% of drivers shopped around for a new auto policy last year. But those who switched insurers saved hundreds on premiums. When your renewal is up, get quotes from at least four companies. You can check any insurer’s customer complaint history at the National Association of Insurance Commissioners’ website. You may do the research yourself or have you trusted insurance specialist do it for you. 
If you don't trust your insurance agent to find you the best deal, contact us at (909)766-0049 or click here to email us, we treat our customers policies as our own. We'll review your insurance policies and search for the best deal for you absolutely free and with no obligations.
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