Understanding Homeowners Insurance

For those of you buying a new home in this down market, one of the things you will definitely need before you can close escrow is a homeinsurance policy. Many people find insurance very complex because it can be. Most insurance contracts are written by attorneys and use big words that most people never heard of like “dwelling protection” or “loss of use”. They sound nice but what do they mean? Well they are both standard coverage’s that come in a home insurance policy. 

Before you purchase a policy it is recommended to ask questions. Get referrals from friends and family that have purchased a home before and do your own research. Make sure the companies are strong financially and they have a good reputation with the A.M. Best Rating. Also, understand that not all carriers follow the same standards if they are not admitted with your state’s Department of Insurance. 

Lastly, you can talk to your insurance agent and make sure you get a variety of homeowners insurance quotes. Each carrier can offer different options and some may even offer discounts if you have multiple policies such as your auto insurance. 

What to Look For

The first thing to look for is your Dwelling Coverage which simply means the structure of the house itself. However, the coverage is not based on property value but rather the possible reconstruction cost. In other words, if the home was damaged in a fire or otherwise and needed to be rebuilt, what would it cost to rebuild based on square footage, materials, labor, permits etc.? Whatever that dollar amount is – that is how much coverage you should have. Another standard coverage would be separate structures such as a detached garage or a shed. This coverage in California is typically 10% of your Dwelling coverage. 

Secondly, you want to know your coverage will be for Loss of Use. If your home is damaged and becomes uninhabitable you will incur additional living expenses that should be covered. In addition, you will need to decide if your contents or Personal Property will be covered as this is not a standard coverage. This means your clothes, furniture, jewelry, electronics are not covered unless your home insurance policy specifically states so. 

Lastly, you will need to consider a lot of the optional coverage such as Personal Liability, Earthquake, Flood, Hurricanes, Tornadoes or Theft. Of course by adding these coverage options will drive up your premiums but they may cost you more in the long run if you should have a loss due to one of these disasters. Again all of the carriers offer different options and prices depending on your needs so it is very important to shop around and compare your homeowners insurance quotes that you have collected.

Insurance Solutions For All

It is vital to have the right Insurance Solutions in place and it can be somewhat complicated. Most individuals do not understand insurance but it is very necessary to you and your family’s finances. Whether you are looking to save money on your Auto insurance quotes, Home, Health or cheap term Life Insurance, you should educate yourself as a consumer. There are hundreds of insurance carriers available here in California, but how do you know who has the best rates or the best plan for you? There are thousands, if not millions, of sites offering you online quotes but what does that mean for your insurance coverage? This is what we will be reviewing today.
Save Money on Your Insurance
Some say “You can never have enough…”, but there is such a thing as being over-insured. Insurance coverage is meant to protect you from the potential financial loss you would incur and therefore you should limit the funds you spend “just in case something happens.” Be sure to have enough coverage that would protect any potential losses at the best rate possible but without cutting too many corners. Of course some risks carry more weight than others but you want to ensure that your overall financial exposure is at a minimum. Thus, the ideal situation is to have adequate insurance coverage but without having to break the bank. This way you can put your hard earned dollars towards something useful!

On the other hand, you don’t want to be under-insured either. This can be detrimental for most people. We have seen this to be true in all facets of insurance services. For example: the woman who didn’t have maternity coverage on her health insurance, or the man who was the victim of a Hit-and-Run and did not have uninsured motorists coverage.

Cheaper Insurance Isn’t Always Better
Online insurance quotes are a great benchmark of what you will pay based on certain factors that are important, but they don’t necessarily mean its the best option for you. Most insurance quotes are based on a few things such as age, zip code, sometimes gender and even past insurance history. If you need a comprehensive insurance plan, than cheaper isn’t going to be better. You run the risk of leaving gaps in your coverage in any type of insurance when you just get the cheapest plan. This can become costly in the long run if you end up needing more coverage than what you were paying for.

Get the Right Insurance Solution in Place
As always, become an educated consumer first! Once you have all of the facts than you can begin your shopping process. At Insurance Solutions, we are a one-stop shop for all of your insurance needs. We are educators first and then we can help you shop the best insurance solutions for you based on your needs and budget. We work with well-known insurance carriers in California and we will be sure to answer all of your questions every step of the way. Our goal is to establish ourselves as your number one source for you and your family’s auto insurance quotesand needs for the long term. We don’t just want to sell you a policy! We will provide true insurance solutions and we will be here to help make the necessary changes as your life changes. Talk to one of our Insurance Pros to get all of your questions answered or to get your free insurance quotes.

Farmers Homeowners Insurance Coverage

Having a Farmers homeowners insurance will give you peace of mind and that is very important to new homeowners. There are many different homeowners insurance policies and many companies to choose from. Before you look for insurance quotes you may want to read reviews of these insurance carriers as sometimes it can take some time to actually receive a quote. Home Insurance is very important and depending on the policy you can protect the contents of your home,  insure for theft protection and cover in case of fire emergencies. Without sufficient home insurance to pay for damages the costs of replacing or repairing the structure or belongings in your home can be astounding. Anyone looking for house insurance quotes must be prepared with the answers to several questions about what it is they need in an insurance policy.

There are many carriers that offer to provide you with homeowners insurance quotes. It is important to get as many homeowners insurance quotes as possible so that you can make an educated decision when choosing a policy. Once you have gathered enough information from each vender you must then determine which plan offers benefits over the others. Saving money with a Farmers home insurance can really pay off in the long term as many homeowners have mortgages for 30 years and longer. It is rewarding to know that the money you save on your home insurance costs can be put towards paying off your mortgage faster.

Many variables need to be taken into consideration when determining the amount of coverage your home will need and the monthly premiums you would comfortable with. The property security is a factor that can dramatically reduce the costs of home coverage. Implementing an alarm/security system or if your home is constructed out of fire-retardant materials the risks of theft or damage decrease and therefore the costs go down accordingly. Taking an accurate inventory of all your belongings is also important. If you assess your contents value too low you can find yourself being under insured and having to pay the bill for cost of replacement in case of an incident. 

Coverage for Your New Condo

Acquiring condominium insurance quotes and putting in time and research when shopping for reasonably priced condominium insurance is very important to new condominium owners. There are many different condominium owners insurance policies and many companies to choose from. Before you look for insurance quotes you may want to read reviews of these insurance carriers as sometimes it can take some time to actually receive a quote. Condominium Insurance coverage is very important and depending on the policy you can protect the contents of your condominium, insure for theft protection and cover in case of fire emergencies. Without sufficient condominium insurance to pay for damages the costs of replacing or repairing the structure or belongings in your condominium can be astounding. Anyone looking for condo insurance quotes must be prepared with the answers to several questions about what it is they need in an insurance policy.

There are many carriers that offer to provide you with condo insurance quotes. It is important to get as many condominium insurance quotes as possible so that you can make an educated decision when choosing a policy. Once you have gathered enough information from each vender you must then determine which plan offers benefits over the others. Saving money with a condo insurance policy can really pay off in the long term as many condominium owners have mortgages for 30 years or longer. It is rewarding to know that the money you save on your condominium insurance costs can be put towards paying off your mortgage faster.

Many variables need to be taken into consideration when determining the amount of coverage your condominium will need and the monthly premiums you would comfortable with. The property security is a factor that can dramatically reduce the costs of condominium coverage. Implementing an alarm/security system or if your condominium is constructed out of fire-retardant materials the risks of theft or damage decrease and therefore the costs go down accordingly. Taking an accurate inventory of all your belongings is also important. If you assess your contents value too low you can find yourself being under insured and having to pay the bill for cost of replacement in case of an incident.

Car Insurance for California

The economy is not recovering quickly and everyone is feeling the pressure to find the best deals possible on all the family must-haves. Using search engines, you will be able to get competitive auto insurance quotes from all the major insurers licensed to sell policies in your state.


California Auto insurance quotes are all about calculating the risk that you will be involved in a traffic accident. It’s both common sense and a statistical truth that the less you drive, the lower the risk of an accident. Except the big problem no insurer could solve is the tendency of so many of us to be economical with the truth about the number of miles we drive. 


When shopping for car insurance California style, start here. Not only do we partner with the best insurance companies found anywhere, but we can also help you save hundreds when you buy insurance from one of them. Whether you live in Northern or Southern California, it’s easy to find the right California auto insurance quotes. 


There are many different types of policies and policyholders that can accomodate every kind of California driver, from the weekend enthusiast to the daily commuter. Be sure to get the right insurance coverage for your needs and budget

California Restaurant Insurance

Insurance Solutions has been growing its restaurant insurance business for years now. We have the experience to help you select the right coverage to cover your restaurant insurance in California. We offer a complete restaurant insurance solutions so you can concentrate on meeting the needs of your customers. Ensuring a productive and profitable restaurant is demanding. Making sure you have the best employees, equipment and insurance is paramount. 


Generally speaking, the one area in the restaurant business you don’t want to cut corners on is insurance. Having effective, quality restaurant insurance coverage can protect you and your business from a number of problems—whether you are faced with broken equipment or a liability lawsuit.

It’s also important to keep in mind that where you live affects the types of coverage your restaurant may require—it’s easy to get overwhelmed with all the details. That’s why, we make your California restaurant insurance needs our number one priority.

For nearly a decade our insurance professionals have served a number of low and high end restaurants in the area—and have the experience and expertise necessary to help you navigate through your coverage requirements; allowing you to rest easy while we recommend the highest-quality restaurant insurance.

We understand that restaurants have some unique insurance needs, and we can tailor an insurance package to cover your specific needs.

In today's world of business it is always good to have an insurance company who specializes in a particular field of business. We are committed to providing you access to affordable restaurant insurance to get the most out of your insurance budget. 

Condo Insurance

Getting condo insurance quotes and doing the research when shopping for reasonably priced condominium insurance is very important to new condominium owners. There are many different condominiumowners insurance policies and many companies to choose from. Before you look for insurance quotes you may want to read reviews of these insurance carriers as sometimes it can take some time to actually receive a quote. Condominium Insurance coverage is very important and depending on the policy you can protect the contents of your condominium,  insure for theft protection and cover in case of fire emergencies. Without sufficient condominium insurance to pay for damages the costs of replacing or repairing the structure or belongings in your condominium can be astounding. Anyone looking for house insurance quotes must be prepared with the answers to several questions about what it is they need in an insurance policy.

There are many carriers that offer to provide you with condominium insurance quotes. It is important to get as many condominium insurance quotes as possible so that you can make an educated decision when choosing a policy. Once you have gathered enough information from each vender you must then determine which plan offers benefits over the others. Saving money with a condo insurance policy can really pay off in the long term as many condominium owners have mortgages for 30 years or longer. It is rewarding to know that the money you save on your condominium insurance costs can be put towards paying off your mortgage faster.

Many variables need to be taken into consideration when determining the amount of coverage your condominium will need and the monthly premiums you would comfortable with. The property security is a factor that can dramatically reduce the costs of condominium coverage. Implementing an alarm/security system or if your condominium is constructed out of fire-retardant materials the risks of theft or damage decrease and therefore the costs go down accordingly. Taking an accurate inventory of all your belongings is also important. If you assess your contents value too low you can find yourself being under insured and having to pay the bill for cost of replacement in case of an incident.

Money Saving Tips

It is very critical to have the right Insurance Solutions in place and it can be somewhat complicated. Most individuals do not understand insurance but it is very necessary to you and your family’s finances. Whether you are looking to save money on your California Auto insurance quotes, Home, Health or cheap term Life Insurance, you should educate yourself as a consumer. There are hundreds of insurance carriers available here in California, but how do you know who has the best rates or the best plan for you? There are thousands, if not millions, of sites offering you online quotes but what does that mean for your insurance coverage? This is what we will be reviewing today.

Save Money on Your Insurance
Some say “You can never have enough…”, but there is such a thing as being over-insured. Insurance coverage is meant to protect you from the potential financial loss you would incur and therefore you should limit the funds you spend “just in case something happens.” Be sure to have enough coverage that would protect any potential losses at the best rate possible but without cutting too many corners. Of course some risks carry more weight than others but you want to ensure that your overall financial exposure is at a minimum. Thus, the ideal situation is to have adequate insurance coverage but without having to break the bank. This way you can put your hard earned dollars towards something useful!

On the other hand, you don’t want to be under-insured either. This can be detrimental for most people. We have seen this to be true in all facets of insurance services. For example: the woman who didn’t have maternity coverage on her health insurance, or the man who was the victim of a Hit-and-Run and did not have uninsured motorists coverage.

Cheaper Insurance Isn’t Always Better
Online insurance quotes are a great benchmark of what you will pay based on certain factors that are important, but they don’t necessarily mean its the best option for you. Most insurance quotes are based on a few things such as age, zip code, sometimes gender and even past insurance history. If you need a comprehensive insurance plan, than cheaper isn’t going to be better. You run the risk of leaving gaps in your coverage in any type of insurance when you just get the cheapest plan. This can become costly in the long run if you end up needing more coverage than what you were paying for.

Get the Right Insurance Solution in Place
As always, become an educated consumer first! Once you have all of the facts than you can begin your shopping process. At Insurance Solutions, we are a one-stop shop for all of your insurance needs. We are educators first and then we can help you shop the best insurance solutions for you based on your needs and budget. We work with well-known insurance carriers in California and we will be sure to answer all of your questions every step of the way. Our goal is to establish ourselves as your number one source for you and your family’s auto insurance quotesand needs for the long term. We don’t just want to sell you a policy! We will provide true insurance solutions and we will be here to help make the necessary changes as your life changes. Talk to one of our Insurance Pros to get all of your questions answered or to get your free insurance quotes.

Farmers Homeowners Insurance

Getting farmers homeowners insurance and doing the research when shopping for reasonably priced home insurance is very important to new homeowners. There are many different homeowners insurance policies and many companies to choose from. Before you look for insurance quotes you may want to read reviews of these insurance carriers as sometimes it can take some time to actually receive a quote. Home Insurance is very important and depending on the policy you can protect the contents of your home,  insure for theft protection and cover in case of fire emergencies. Without sufficient home insurance to pay for damages the costs of replacing or repairing the structure or belongings in your home can be astounding. Anyone looking for house insurance quotes must be prepared with the answers to several questions about what it is they need in an insurance policy.

There are many carriers that offer to provide you with homeowners insurance quotes. It is important to get as many homeowners insurance quotes as possible so that you can make an educated decision when choosing a policy. Once you have gathered enough information from each vender you must then determine which plan offers benefits over the others. Saving money with a Farmers home insurance can really pay off in the long term as many homeowners have mortgages for 30 years and longer. It is rewarding to know that the money you save on your home insurance costs can be put towards paying off your mortgage faster.

Many variables need to be taken into consideration when determining the amount of coverage your home will need and the monthly premiums you would comfortable with. The property security is a factor that can dramatically reduce the costs of home coverage. Implementing an alarm/security system or if your home is constructed out of fire-retardant materials the risks of theft or damage decrease and therefore the costs go down accordingly. Taking an accurate inventory of all your belongings is also important. If you assess your contents value too low you can find yourself being under insured and having to pay the bill for cost of replacement in case of an incident. 

Insurance for Independent Contractors

For those people who  are self-employed, small business owners or independent contractors have taken a big risk to maximize their opportunity and financial future. Being your own boss comes with many freedoms but it also comes with many risks. One of the largest risks is not having the peace of mind of having an affordable health plan. Self employed health insurance is easy to find and can be purchased as an individual or family health insurance plan.

What are my options?

Many individuals who leave a job are not sure about their insurance and therefore they turn to COBRA. Insurance Coverage through COBRA is a great option for those with pre-existing medical conditions that have to be insured. There are cons to COBRA and that is it's only temporary, usually 18 months. However, you are responsible to pay all of the cost as your former employer will no longer be obligated to contribute. Which brings up another very important issue, cost! Can you afford to pay twice the amount you are used to for the same health insurance coverage?

As with most people, the answer is "No". Your best option is to buy a self employed health insurance plan. As long as you and your family are in decent health, it's simply a matter of finding a policy that fits within your needs and budget.

Self Employed Health Insurance Plans


There are several self employed health insurance choices, which include:

• PPO Health Insurance
• HMO Health Insurance
• HSA Plans (Health Savings Account)

Tax Advantages of Insurance


If you have self employment income, then it is a major advantage for your tax deductions! This includes expenses for yourself, your spouse, and all your dependents. However, you can only claim the health insurance premiums write-off for months when neither you nor your spouse were eligible to participate in a group health plan. Also, the deduction cannot exceed the earned income you collect from your business.

The best way to narrow down your options is to speak with one of our licensed insurance solutions professionals. We will provide expert advise and free quotes with no obligation.

Renters Insurance California

Individuals who rent their homes need to understand the importance of having coverage against things like vandalism, fire, theft, floods, earthquakes, and other natural disasters. Unfortunately, sometimes they choose not to insure their property against the occurrence of an incident with liability insurance for rental property. However, when a property owner decides to lease a property, different liability and safety conditions need to be considered. There are rental insurance policies that can be put in place for these situations.

 A  California renters insurance policy can help protect your personal property from fire damage, theft, and vandalism while also providing liability protection for your visitors and guests. Given electronics, jewelry, clothing and more, research has shown the average renter owns thousands in personal property.

Your  California renters insurance policy usually includes :

• Personal Property Protection - Covering the loss or damage of a renter's personal belongings usually on and, in most cases, off of your premises
• Liability Protection - Providing legal representation and protection against judgments for covered events
• Liability Protection - Providing legal representation and protection against judgments for covered events
• Guest Medical Protection -generally covers medical costs for visitors injured at a renter's home
• Reimbursed Living Expenses - Reimbursement for costs of temporary housing, should it be necessary

There are a variety of ways to save with  California renters insurance,  discounts for:

• Monitored fire and burglar alarms
• Dead bolt locks on all exterior entryways
• Fire extinguishers
• Fire Sprinkler systems

Purchasing a  California Renters insurance coverage combined with a  California auto insurance or other policies will also provide discounts. Purchasing  California renters insurance ensures that your property is protected. Don’t make the mistake of thinking that it cant happen to you. Its wise to insure your belongings, even if you live in a rental property.

Condominium Insurance Overview

Getting condominium insurance quotes and doing the research when shopping for reasonably priced condominium insurance is very important to new condominium owners. There are many different condominiumowners insurance policies and many companies to choose from. Before you look for insurance quotes you may want to read reviews of these insurance carriers as sometimes it can take some time to actually receive a quote. Condominium Insurance coverage is very important and depending on the policy you can protect the contents of your condominium,  insure for theft protection and cover in case of fire emergencies. Without sufficient condominium insurance to pay for damages the costs of replacing or repairing the structure or belongings in your condominium can be astounding. Anyone looking for house insurance quotes must be prepared with the answers to several questions about what it is they need in an insurance policy.

There are many carriers that offer to provide you with condo insurance quotes. It is important to get as many condominium insurance quotes as possible so that you can make an educated decision when choosing a policy. Once you have gathered enough information from each vender you must then determine which plan offers benefits over the others. Saving money with a condo insurance policy can really pay off in the long term as many condominium owners have mortgages for 30 years or longer. It is rewarding to know that the money you save on your condominium insurance costs can be put towards paying off your mortgage faster.

Many variables need to be taken into consideration when determining the amount of coverage your condominium will need and the monthly premiums you would comfortable with. The property security is a factor that can dramatically reduce the costs of condominium coverage. Implementing an alarm/security system or if your condominium is constructed out of fire-retardant materials the risks of theft or damage decrease and therefore the costs go down accordingly. Taking an accurate inventory of all your belongings is also important. If you assess your contents value too low you can find yourself being under insured and having to pay the bill for cost of replacement in case of an incident.

Homeowners Insurance Quotes

Getting farmers homeowners insurance and doing the research when shopping for reasonably priced home insurance is very important to new homeowners. There are many different homeowners insurance policies and many companies to choose from. Before you look for insurance quotes you may want to read reviews of these insurance carriers as sometimes it can take some time to actually receive a quote. Home Insurance is very important and depending on the policy you can protect the contents of your home,  insure for theft protection and cover in case of fire emergencies. Without sufficient home insurance to pay for damages the costs of replacing or repairing the structure or belongings in your home can be astounding. Anyone looking for house insurance quotes must be prepared with the answers to several questions about what it is they need in an insurance policy.

There are many carriers that offer to provide you with homeowners insurance quotes. It is important to get as many homeowners insurance quotes as possible so that you can make an educated decision when choosing a policy. Once you have gathered enough information from each vender you must then determine which plan offers benefits over the others. Saving money with a Farmers home insurance can really pay off in the long term as many homeowners have mortgages for 30 years and longer. It is rewarding to know that the money you save on your home insurance costs can be put towards paying off your mortgage faster.

Many variables need to be taken into consideration when determining the amount of coverage your home will need and the monthly premiums you would comfortable with. The property security is a factor that can dramatically reduce the costs of home coverage. Implementing an alarm/security system or if your home is constructed out of fire-retardant materials the risks of theft or damage decrease and therefore the costs go down accordingly. Taking an accurate inventory of all your belongings is also important. If you assess your contents value too low you can find yourself being under insured and having to pay the bill for cost of replacement in case of an incident. 

California Car Insurance

Having auto insurance in California is required by state law and can be very costly if caught without it. Many motorists today are seeking the best deal in town and living in a state where everything is known to be expensive there are so many options to choose from. Yet there are still folks driving around with no car insurance. Auto coverage helps protect against a financial loss in case of a car accident or other type of loss related to your vehicle. It covers damages and injuries that can be caused by a potential accident. It also can cover the costs of repairs to your car or replace it if it were completely damaged or stolen.

 There are many insurance carriers available and even more offering free California auto insurance quotes online. In some cases the state’s imposed minimum liability may not be enough to cover the cost of damages that result from an accident. In these instances, the motorist responsible for the accident will be held liable for any excess charges not covered by the insurance policy. It is very important to consider what your needs are and putting together a policy that will suit both your needs and your budget.

Living in California, one of the most expensive states in the country, can also bring about high insurance premiums. Typically, the longer one has been driving without tickets and/or accidents on their driving record, the better Auto Insurance rates they can get.  Some other factors that can play a role include your experience (age), home zip code, and even your credit score. Keep in mind you may also qualify for discounts based on your vehicles safety features and other programs offered by carriers. In addition, select carriers offer deep discounts for having multiple policies in force.

Can My Insurance Premiums Change?

Typically if you have a good driving record and no tickets or accidents, your initial auto insurance quotes in California should only get better as time goes on. However, if you do have tickets accidents or live in a high risk area, your premiums are subject to increase. It is best to evaluate your premiums at least once a year to make sure your rates coincide with the best rating factors. 

You never know when an accident can occur. With traffic as bad as it is known to be in California, having the right car insurance solutions in place is very critical.