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Children and Liability Gaps

children and liability gaps

Children and Liability Gaps

Are your kids and grandkids enjoying summer vacation? No matter what they’ve been up to, make sure they are covered! Having children means that everyday activities come with increased responsibility and risk, but having the right coverage in place can give you peace of mind.

For example, a child could be injured at a birthday party you host and then a lawsuit could be filed against you. Do you have enough liability coverage to protect your assets? If your teen driver is has an at-fault accident, you could be held responsible for their actions. Are your auto liability limits high enough to provide adequate coverage? Even after children have left home for college, parents can still be on the hook. If your student allows a friend to borrow their vehicle and they cause a crash, the car owners could still be found liable.

In all of these situations, and in many other similar scenarios, a personal umbrella policy can help!  Umbrella policies exist to help you with major claims and lawsuits, and usually kicks in when the liability coverage on your underlying policy has been exhausted. The liability coverage provided by an umbrella policy can help with legal fees and can even pay damages, depending on your limits. Even if you don’t have children yet, check out these insurance gaps that could be trouble for married couples!

From toddlers to teens, children will always keep us on our toes. Give us a call at 661-542-7007 to get an insurance review or policy quote today!

#JAIA #JonAlbertInsuranceAgency #JonAlbertFarmersInsurance #FarmersInsurance

Special Motorcycle Insurance

special motorcycle insurance

Motorcycle Insurance

We love to help our clients insure their favorite hobbies! Even if your bike is vintage, limited edition, or one-of a kind we’re here to help. Farmers Insurance has plenty of special motorcycle insurance options to keep you covered. We offer policies with liability, collision, and other-than-collision coverages, as well as additional coverages such as medical payments and uninsured motorists. Our agents can assist you in deciding which Motorcycle Choice package is right for you and your bike. Above all, we want you to feel confident that you have the right protections while out on the open road. Learn more about the Saver, Plus, and Elite packages here!

🏍️Fun fact: women now account for about 12% of motorcycle owners in the United States!

Special Coverage for Special Bikes

For riders with unconventional bikes, our Special Packages allow you a choice of the features in our Plus and Elite packages! These package options are perfect for special bikes such as vintage or custom, and low speed vehicles or street legal ATVs. Click here to read the answers to our most asked questions regarding motorcycle insurance coverage!

Give us a call at 661-542-7007 to get a special motorcycle insurance quote today!

#JAIA #JonAlbertInsuraneAgency #JonAlbertFarmersInsurance #FarmersInsurance

Referrals rock: We’re looking for more clients like YOU!

referrals

Referrals Rock!

We appreciate every single client referral that our customers send our way.  Referrals let us know you truly appreciated our time and dedication in finding the right insurance solutions for you. We know insurance can be confusing and time consuming, so we’re here to help! Our agents can provide the insurance education you need to understand your policy. We want to make sure you leave our office confident that you are appropriately covered no matter your situation!

Check out our blog post for some quick tips to keep in mind when comparing insurance quotes while shopping!

Thank you for trusting us with your friends and family!

Know someone who needs insurance? We’re only a phone call away! Reach us at 661-542-7007 to get a quote today!

It’s time for a policy review!

policy review

Policy Review

Wow, the year is half over! Have you had any major changes in 2018?  Exciting milestones such as a new job, new car, new marriage, or new child all mean it’s time for a policy review! As your life changes, so should your insurance!

Coming in for an insurance review can also save you money and provide you with even better coverage. Reviewing your insurance coverage once a year is an important part of making sure you have the RIGHT coverage for you and that you are getting all the discounts you deserve. Check out these insurance review tips specifically for newly married couples on our blog!

Big changes in your life can mean big updates to your coverage. Give us a call at 661-542-7007 to get a policy review today!

#JAIA #JonAlbertInsuranceAgency #JonAlbertFarmersInsurance #FarmersInsurance

Juvenile Life Insurance: Prepare for tomorrow, today!

Juvenile life insurance

Juvenile Life Insurance

🌻”To plant a garden is to believe in tomorrow.”  Audrey Hepburn

Juvenile life insurance is a permanent insurance option that can provide your children or grandchildren with their own life insurance policy. A juvenile policy will provide them with benefits beyond what may be available to them through your own life insurance policy, as well! There are several reasons why many people choose to insure their children or grandchildren. One of the main reasons is that a medical exam is not usually necessary, unlike many adult plans. Additionally, the coverage is for life, regardless of the future health of the child! Other reasons include:

  1. The cost is often less than similar coverage for an adult! You may also be able to purchase additional insurance later, regardless of insurability.
  2. Some policies accumulate cash value, which can be used to pay future premiums or be borrowed from (generally tax free!)
  3. The cash value does not have to be used for specific expenses. Unlike 529 college savings plans, there are no built-in restrictions regarding usage!
  4. Juvenile policies allow for the tax-efficient transfer of wealth and can be useful in estate planning.

Give us a call at 661-542-7007 to get a juvenile life insurance quote today!

#JAIA #JonAlbertInsuranceAgency #JonAlbertFarmersInsurance #FarmersInsuranc

It’s National Motorcycle Day!

National Motorcycle Day

National Motorcycle Day

🏍️ Today is National Motorcycle Day!  Are you a long-time rider or is today your first two-wheel ride? No matter how often you use your bike, Farmers Insurance has a policy option to keep you protected! All of our motorcycle policies can include the protections found in most standard policies: liability coverage, collision coverage, and other than collision coverage. From there, our agents can help you decide which one of our Motorcycle Choice packages is right for you!

Motorcycle Choice Packages

Our Motorcycle Choice packages allow you to customize your policy to your needs and budget! We can also help you insure vintage or custom bikes, low speed vehicles, or street legal ATVs! No matter what you’re riding, always make sure to “look twice, save a life!” Check out some other motorcycle safety tips here on our blog.

Our most basic option is the Saver Package. This includes $500 safety apparel coverage and first accident forgiveness. Optional equipment and towing & roadside assistance coverages are also available for this package.

Next, the Plus Package includes $1,500 safety apparel coverage, $3,500 optional equipment coverage, total loss settlement for two years, trip interruption coverage, and track day coverage. Reasonable and necessary expenses for towing and roadside assistance are also included!

Lastly, our dedicated riders may find that the Elite Package best meets their needs. This includes $2,500 safety apparel coverage, $5,000 optional equipment coverage, and total loss settlement for five years. This package also includes several coverages not found in our Saver and Plus Packages: $2,000 personal effects coverage, enhanced rental coverage, diminishing deductible, and diminishing waiver!

We also offer several other coverages to help you complete your policy customization, such as:

  • Increased liability limits
  • Medical payments
  • Uninsured motorists
  • Transport trailer coverage
  • Increased optional equipment coverage

Don’t forget about our multi-policy discount! We can insure your motorcycle along with your car and home to get you our best rate possible! Call us at 661-542-7007 for a no-obligation quote today!

#JAIA #JonAlbertInsuranceAgency #JonAlbertFarmersInsurance #FarmersInsurance

Customized vehicles need customized auto coverage!

customized auto coverage

Customized Auto Coverage Options

Have you done custom work on your vehicle? Call us to update your policy and make sure it’s all covered! In addition to our basic policy options, Farmers Insurance also offers a variety of optional coverages that you can add to your policy. From Glass Repair Services to Personal Umbrella, we can help you decide what customized auto coverage options you may need.

Extended Customized Equipment Coverage

Are you are doing any customized or after-market work on your vehicle? Then our Extended Customized Equipment coverage option is here to protect you! Many basic policies may not cover optional equipment that is not permanently installed in your car. Items such as new rims, spinners, stereo systems, or subwoofers may not be automatically covered.

If you plan to add more than $1,000 of value to your vehicle with new features, you can be covered up to $50,000 by simply adding an additional endorsement to your policy. It’s that easy!

Our agents can assist you in finding the options that will keep you and your ride best protected.

Give us a call at 661-542-7007 to update your policy or get a quote today!

#JAIA #JonAlbertInsuranceAgency #JonAlbertFarmersInsurance #FarmersInsurance

Life Insurance Breakdown: Term, Whole, & Universal

life insurance

Life Insurance Breakdown

Life insurance can be confusing, that’s why we’re here to help! Parents are irreplaceable, but life insurance can help ease the burden should the worst or unexpected ever happen. Our agency can help you determine what type of life insurance policy is right for your family’s need, because we know every situation is different. For that reason, Farmers Insurance offers several types of coverage!

Term Life Insurance

Term Life Insurance: provides coverage for a specific period of time; is generally less expensive; usually provides the greatest amount of coverage for the lowest initial cost; long-term set premium amount.

*Term life insurance can be a good choice if your needs are temporary or if your funds are limited!

Permanent Life Insurance

Permanent Life Insurance: can remain in force for as long as you live; premiums generally do not increase;  may build cash value. Permanent life insurance policy options include:

  • Whole Life Insurance: premiums are guaranteed to never increase; guaranteed cash value accumulation; policy owner may borrow against the policy.
  • Universal Life Insurance: allows you to tailor your policy as your needs change with flexible premiums; potential to build cash value; owner may borrow against the policy.

*Permanent life insurance can be a good option if you have long-term needs, such as income for a spouse, inheritance for children, or end-of-life expenses!

Call us at 661-542-7007 to talk about life insurance today!

#JAIA #JonAlbertInsuranceAgency #JonAlbertFarmersInsurance #FarmersInsurance

Home Maintenance Tip: Signs of Termites!

home maintenance

Home Maintenance Tip

🏠 Termites home maintenance tip: Most people are not even aware they have termites until they come across the damage! Always make sure to inspect your foundation walls for signs of termites, such as tunnels or dirt bridges.  If you see signs of a swarm, call a professional exterminator immediately!

These tips from the Environmental Protection Agency can help you to prevent a termite infestation before they even start!

  • Maintain gutters & downspouts to make sure the soil around your foundation is dry
  • Fix any leaks in or around your home immediately
  • Do not store firewood or wood debris next to your home
  • Fill cracks in your foundation, or any other openings that allow termite access to the structure

Need a home insurance quote? Give us a call today at 661-542-7007!

#JAIA #JonAlbertInsuranceAgency #JonAlbertFarmersInsurance #FarmersInsurance

Insurance quote comparison

quote comparison

Quote Comparison: Apples to apples!

🍎🍊 Think an insurance price seems too good to be true? It could be, so make sure to check the information in your quote comparison!

Don’t compare apples and oranges when comparing insurance quotes! Always make sure deductibles and liability coverage amounts are exactly the same in all of your quotes, so you will get the most accurate comparison. Rates for different coverages vary from carrier to carrier and, as a result, you could receive a higher quote for lower coverage.

We’re here to help! Our agency can assist you in getting an accurate comparison, no matter your policy type! Click here to find out more about insurance quotes, comparisons, and our Farmers Friendly Review sessions!

Give us a call at 661-542-7007 to get a quote today!

#JAIA #JonAlbertInsuranceAgency #JonAlbertFarmersInsurance #FarmersInsurance

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