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The Benefits of a Boating Safety Course

Boating is a great adventure that many of us enjoy.  However, owning and operating a boat is a great responsibility.  There are many reasons to become informed about the rules of the water, and it is always a good idea to take a boating safety course.

While cruising the water in your boat, the last thing you want to worry about is insurance.  That is why we are here.  We are always happy to answer any questions and take care of your boating insurance needs.  We have policies for most types of boats, including bass boats, cruisers, fishing boats, pontoons, runabouts, sailboats, catamarans, and utility boats.

Boating Safety Courses

A boating safety course will teach you about safety equipment, and what equipment you are required to have on your boat before you undertake any boating excursion.  This is very important because if you do not have the proper equipment with you, you could find yourself in a situation you are unable to handle. 

You will learn that driving a boat is vastly different from driving a car, because you are dealing with air and water currents.  If you have never docked a boat, you may think that it is easy until the current pulls you in the opposite direction.  Understanding air and water currents will help you learn how to maneuver and dock your boat.

Knowing how to work with lines and tying knots is part of boating. You have to be able to secure a boat properly.  If your boat gets loose, it is amazing how quickly the current will take it out of your reach, and you will probably require the assistance of another boater to help you get to it.  So, learn your knots.

You will learn what the channel markers mean.  Many first time boaters learn the hard way when their boats run aground outside the markers.

There are speed limits on certain waterways, but unlike the roads, they may or may not be posted. Ignorance may not be enough to get you out of a ticket.

Just like on the roads, there is the right of way.  In a boating course, you will learn who has the right of way, and why.

There are boating regulations and laws that must be followed by all boaters.  For example, you are not allowed to sit on the bow of the boat with your feet hanging overboard.  There are many more regulations to learn, and not knowing them can cost you.

Anchoring a boat is not just a matter of plopping the anchor down to the sand.  There is a mathematical technique applied to anchoring that has to do with the size and length of your boat. Knowing how to do this correctly will give you that extra assurance of knowing your boat is going nowhere until you want to move it.

There are different ways to enjoy pleasure boating, such as the fast pace of a ski boat or the slow pace of a trawler, kayak, or canoe.  Whatever way you enjoy boating, it is always a good idea to know the rules of the water.  We want you to be safe, avoid potentially harmful situations, and get on with the fun of enjoying the sky, sun, water, family, and friends.

At Valley Oaks Insurance Agency, we understand the risks that drivers face.  We have more than three decades of experience managing these risks and helping clients through claims processes.  Our experience, vast claims network, and ongoing relationships with diverse groups of insurance companies help us provide optimal coverage while keeping premiums low. 

 

The information shared in this blog is provided and written on an opinion basis and for informational purposes, they do solely represent the opinions of Valley Oaks Insurance.

 

Personal Umbrella Insurance

Many people are unsure what an umbrella policy is or what it covers. When you are outside, and there is a light rain or breeze, you generally don’t need or want an umbrella. However, if it is pouring down rain with high winds, you take your umbrella. An Umbrella Insurance policy works much the same way.

Umbrella Insurance provides extra protection or limits above the liability insurance you currently have. Just as an umbrella protects you from heavy rain, an Umbrella Insurance policy protects you from losing the entirety of your wealth and assets in the event of a claim. Umbrella Insurance can provide limits above your personal auto and home policies. Umbrella insurance is also competitively priced. 

It is true that Umbrella Insurance may not be for everyone, but if you are building financial resources for your future, are a professional, own your home, boat or recreation vehicle, you should consider an Umbrella Insurance policy. Insurance offers Umbrella Insurance with very competitive rates. Having the added protection of an Umbrella Insurance policy is coverage no one should go without.

Umbrella insurance provides broad insurance beyond traditional home and auto. It provides additional liability coverage above the limits of homeowners, auto, and boat insurance policies. It can also provide coverage for claims that may be excluded by the primary policies.

When You May Need An Umbrella Policy

  • Having rental property
  • Owning a Boat, RV, or ATV
  • Have a high net worth
  • Owning a business
  • Having teen drivers
  • Own a swimming pool, trampoline, or swing-set

In addition, the umbrella may cover things like volunteer activities, statements made online, and certain business activities that a homeowner's or auto policy might not cover.

 Why Work With Our Insurance Agency?

  • We know and understand your risks
  • We are a full-service independent insurance agency
  • Our goal is to provide the best possible combination of coverage, price, and service. 

At Valley Oaks Insurance Agency, we understand the risks that drivers face.  We have more than three decades of experience managing these risks and helping clients through claims processes.  Our experience, vast claims network, and ongoing relationships with diverse groups of insurance companies help us provide optimal coverage while keeping premiums low. 

 

The information shared in this blog is provided and written on an opinion basis and for informational purposes, they do solely represent the opinions of Valley Oaks Insurance.

 

Tips for Working at Home

Does COVID-19 Have You Working From Home?

Due to the stay at home mandate, there are many people who are working remotely these days.  It appears this mandate will last at least another month.  Many people have thought that working remotely would be great, but working remotely is a double-edge sword.  Sure, you get to stay home, but studies show that it can be harder to focus on work. 

Benefits of Working Remotely:

  • Remote employees tend to be more productive
  • Remote workers cost employers less
  • Remote employees tend to be happier and more satisfied
  • Remote workers have a better work/life balance

Remote Workers Need to Be Aware of These Challenges:

  • Lack of a work routine
  • Tendency to over-work
  • Lack of human interaction
  • Prioritizing a work project
  • Interruptions from family, pets, phone calls, and the doorbell

How to Make Working Remotely Work for You

  • Confine your workspace to a specific area in your home.
  • Set up your workspace like your office.
  • Set a schedule and create a routine.
  • When in doubt, go with over-communication; update your boss frequently on everything you are doing, and whether your schedule and deliverables are changing in any way.
  • After work, stay off electronic devices for some time to transition to “home time.”
  • Take regular breaks.
  • Get dressed every day.  Taking the time to get dressed and perform your usual self-care routine can prove a big psychological booster. 

Please contact us or give us a call to learn more.  You can also request a quote if you’re ready to start on a policy.  Valley oaks Insurance Agency is proud to provide insurance in Roseville, Sacramento, Lincoln, Granite Bay, Rancho Cordova, and Folsom, CA.  We also serve other areas in the state.

The information shared in this blog is provided and written on an opinion basis and for informational purposes, they do solely represent the opinions of Valley Oaks Insurance.

 

Your Personal Insurance and COVID-19

As our country continues to manage through the COVID-19 crises, we thought it might be useful to take some time to remind you of the importance of your personal insurance during this time.  The coronavirus pandemic won’t affect your auto or homeowner’s insurance too much, but there are a few coverages that could be impacted because of the temporary lifestyle change.

  • Do not cancel your auto insurance just because you are temporarily not driving.  Auto insurance is required by law.  If you are looking for ways to save money on your auto insurance, give us a call.
  • If you are working remotely via computer, there should be no issues with your homeowners or renter’s insurance.  However, this is true as long as there are no customers coming to your home.  If you are running a business from your home, you will need business insurance.  We are happy to help you with this. 
  • If you have a claim, we are open, as are the insurers.  Give us a call, and we will be ready to help you. Your policy has toll-free claim numbers to help you get the process going.
  • Many insurance companies are offering relaxed payment terms.  We suggest you contact them directly if you feel you may miss a payment. Of course, you can always contact our office to assist you.
  • Be aware of credit card and cyber scams. Unfortunately, criminals have ramped up their efforts during this crisis.  The fraud ranges from false claims of cures and treatments for the coronavirus to fake charities attempting to soliciting money to help those suffering.
  • As we all have so much time at home, now is a good time to complete a home inventory of your personal property.  Creating and updating an inventory of your personal possessions is one of the best ways to make the most of your homeowners or renters insurance, and it makes filing a claim easier and more efficient.  If your home is damaged or totally lost due to a fire or other event, having a home inventory will help you recover all your personal property with the least amount of time and stress.
  • Life insurance should not be affected because of COVID-19.  If you already have life insurance, you are covered, and a company cannot make changes to a policy that is already active.  If you do not currently have coverage, however, your application may be affected.  Keep in mind that each life insurance company is handling the pandemic differently.  It is important to have us shop your life insurance to make sure the company you choose meets your needs.

Please contact us or give us a call to learn more.  You can also request a quote if you’re ready to start on a policy.  Valley oaks Insurance Agency is proud to provide insurance in Roseville, Sacramento, Lincoln, Granite Bay, Rancho Cordova, and Folsom, CA.  We also serve other areas in the state.

The information shared in this blog is provided and written on an opinion basis and for informational purposes, they do solely represent the opinions of Valley Oaks Insurance.

 

Are You Prepared For Wildfires?

According to the Federal Government, almost 90 percent of the wildfires in the United States are caused by humans.  We are heading into the key wildfire season, which is May through August.  Last year, the top states for wildfire damage were California, Texas, Colorado, Utah, Oregon, and Arizona. These wild fires burned over 920,000 acres, and caused billions of dollars in damage.

Wildfires And Homeowner’s Insurance

Unlike earthquakes and floods, wildfire damage should not require a completely separate policy, and probably does not even require a high risk policy. It is a good idea, however, to know what your homeowner’s policy does cover.  In many cases wildfires are covered, but it is always good to call your agent for a homeowner’s insurance review. 

If your homeowner’s policy covers wildfires it would normally protect the building and contents from a covered loss. In addition, you will need additional living expenses if you must leave your home during re-construction.

Wildfire Prevention 

  • Use fire resistant materials for roof and home construction.
  • Keep wood piles at least 30 feet from your home.
  • Create a 100 foot safety zone around your home.
  • Prune trees within 15 feet of any chimney outlet.
  • Follow local ordinances when burning yard waste. Avoid backyard burning in windy conditions, and keep a shovel, water, and fire retardant nearby to keep fires in check. Remove all flammables from your yard when burning.
  • Make sure that fire vehicles can get to your home. Clearly mark all driveway entrances and display your name and address.
  • Teach children about fire safety. Keep matches out of their reach.
  • Keep roofs and gutters clean and free from debris.
  • Have a ladder that reaches your roof.
  • Have an extra-long hose.
  • Rake leaves, dead limbs and twigs. Clear all flammable vegetation.
  • Back as many vehicles as possible into the garage, then close the door. In the event that you evacuate, remember to close the garage door behind you as you leave. If you do not have a garage or if yours is full, park your vehicles heading in the direction of the evacuation route. 

During a Wildfire

  • Protect Yourself and Your Family
  • If a wildfire starts in your area, monitor local news reports for evacuation procedures.
  • Prepare for evacuation by turning off gas valves and pilot lights, closing all windows and doors, and pack your car for quick departure if there is time and it is safe to do so.
  • Return to a burned area only when local authorities have instructed you to do so.

Specialized Insurance Solutions in Roseville, CA and North-central California

We’re an independently owned and operated agency in North-central California and we deliver comprehensive insurance and risk management solutions.  We’ve served individuals, families and businesses for more than 41 years and we continue to serve more people in our service communities and people in in other communities.  We’re fully committed to giving clients the greatest value and to making insurance experiences easy and affordable.

 

Recreation Vehicle Insurance

If you own a Recreational vehicle, motorcycle or other toys, insurance coverage should be part of your thinking. Remember, they are not automatically covered under your current insurance program. State law requires you to maintain liability coverage on your vehicle. Here is a schedule of insurance coverage you might consider:

Liability Insurance

Liability coverage, also known as “property damage/bodily injury”, can help cover expenses from damaging a vehicle or injuring a person in an accident.  

Collision coverage

Collision coverage helps pay for damage to your vehicle if you hit another vehicle, another vehicle hits you, or your vehicle rolls over. Collision coverage can be required if your vehicle is financed or leased.

Comprehensive coverage

Comprehensive insurance helps pay for damage to your vehicle not caused by a collision. Examples include damage or loss due to theft, vandalism, falling objects, fire, storms, and flood. 

Uninsured or underinsured coverage

This coverage helps pay for repairs if your RV is damaged in an accident by an underinsured, uninsured, or unidentified driver. It also helps pay medical costs.

Rental reimbursement coverage

This coverage helps pay for your rental car or other transportation if your RV cannot be driven due to an at-fault accident or comprehensive claim. This is really important especially if you are out of town. 

Towing and labor coverage

Towing and labor coverage reimburses you for towing charges if an insured vehicle is disabled. It also covers on-site assistance, such as battery jump-start, tire change, and locksmith services. We recommend this on all recreation vehicles. 

Please contact us or give us a call to learn more.  You can also request a quote if you’re ready to start on a policy.  Valley oaks Insurance Agency is proud to provide insurance in Roseville, Sacramento, Lincoln, Granite Bay, Rancho Cordova, and Folsom, CA.  We also serve other areas in the state.

The information shared in this blog is provided and written on an opinion basis and for informational purposes, they do solely represent the opinions of Valley Oaks Insurance.

 

Motorcycle Insurance and Safety Go Hand In Hand

Motorcycle Accident Facts

According to The US National Highway Traffic Safety Administration, in 2019, 18 cars out of every 100,000 ended up in fatal crashes.  The rate for motorcycles is 63 per 100,000. We are not suggesting you sell your motorcycle, but just keep safety in mind.  Did you know that 47% of all motorcycle crashes occur at intersections? A motorcycle rider not wearing a helmet is 40% more likely to sustain a fatal head injury in a crash than a rider who is wearing a helmet.

Motorcycle Insurance 

Motorcycle insurance should be an important part of your planning. Our insurance policies cover all kinds of motorcycles, from sport bikes, cruisers, standard bikes, touring bikes, custom motorcycles, scooters and classic motorcycles.  

A motorcycle insurance policy from Valley Oaks Insurance Agency is designed to be as unique as the bike and the owner it protects. Make sure you choose the protection that’s right for you with a range of coverage options to secure you and your bike, such as:

  • Collision Coverage
  • Theft
  • Vandalism
  • Damage caused by Uninsured or Underinsured Motorists
  • Bodily Injury Liability
  • Property Damage Liability
  • Medical Payments Coverage
  • Guest Passenger Liability

Motorcycle Safety

  • Wear a Helmet. Buy a full-face helmet for the best protection for your head and eyes.
  • Get to know your bike’s capabilities.
  • Check lights on a regular basis.
  • Always wear protective clothing.
  • Never pass between vehicles.
  • Use your headlamps both night and day, and wear yellow, red or orange jackets to make yourself easy to see.

Valley Oaks Insurance Agency is proud to provide insurance in Roseville, Sacramento, Lincoln, Granite Bay, Rancho Cordova, and Folsom, CA.  We also serve other areas in the state.

The information shared in this blog is provided and written on an opinion basis, and for informational purposes, they do solely represent the opinions of Valley Oaks Insurance.

 

Is It Time to Love Your Umbrella Insurance? 

There are many good reasons to consider a personal umbrella policy. Umbrella Insurance provides extra protection or limits above the liability insurance you currently have. Just as an umbrella protects you from heavy rain, an umbrella insurance policy protects you from losing the entirety of your wealth and assets in the event of a claim. Umbrella insurance can provide limits above your business insurance, personal auto, and home policies.

Why Consider a Personal Umbrella?

It can cover your teenage drivers.  Teenage drivers are involved in most accidents, and they can exceed your auto insurance liability limits.

Do You Own Recreational Toys?

Do you own a boat, second home, or have other expensive toys?  Often high net worth individuals need higher liability limits to protect personal assets.

More Than Just Automobiles Are Covered

You might own other toys such as jet skis, and motorcycles which might not be covered by your primary auto or boat insurance policy.

There are many reasons to consider a personal umbrella policy, including an increase in personal litigation lawsuits, the need to protect your personal assets, and the peace of mind this coverage provides. In the event your underlying policy limits are exhausted, your personal umbrella coverage can provide added limits.

Please contact us or give us a call to learn more.  You can also request a quote if you’re ready to start on a policy.  Valley oaks Insurance Agency is proud to provide insurance in Roseville, Sacramento, Lincoln, Granite Bay, Rancho Cordova, and Folsom, CA.  We also serve other areas in the state.

The information shared in this blog is provided and written on an opinion basis and for informational purposes, they do solely represent the opinions of Valley Oaks Insurance.

 

How an Umbrella Policy Can Offer Peace of Mind

A Personal Insurance Update

Personal umbrella coverage is one of the most commonly overlooked policies, but it could be one of the best financial decisions you will ever make. Personal umbrella insurance provides extra protection, or limits, above the personal liability insurance you currently have.  Just as an umbrella protects you from heavy rain, an umbrella insurance policy protects you from losing the entirety of your wealth and assets in the event of a claim. Umbrella insurance can provide limits above your personal auto and home policies. 

If you own an RV, boat, jet ski, snowmobile, or any other kind of recreational toy, you should consider a personal umbrella policy.  If you own a home or have a 401 K plan, don’t jeopardize your future by having a liability claim that could cost you everything. Renters may also want to consider a personal umbrella policy. 

Umbrella insurance provides broad insurance beyond traditional home and auto. A personal umbrella liability policy insurance provides you with additional protection when damages exceed the liability limits of your auto or home policies. Our goal is to protect you and your family from those unexpected events by finding the right coverage at an affordable rate. 

Please contact us or give us a call to learn more.  You can also request a quote if you’re ready to start on a policy.  Valley oaks Insurance Agency is proud to provide insurance in Roseville, Sacramento, Lincoln, Granite Bay, Rancho Cordova, and Folsom, CA.  We also serve other areas in the state.

The information shared in this blog is provided and written on an opinion basis and for informational purposes, they do solely represent the opinions of Valley Oaks Insurance.

 

Good Reasons To Call Your Insurance Agent

Home and Auto Insurance Update

Let’s face it, you buy home and auto insurance to protect you when and or if an accident happens. And when you have an accident, you want your personal insurance to respond.  If it has been a while since you updated your personal insurance coverage, you may want to call us today.

When to Call Your Agent

  • When you buy or sell a car
  • If you started a home based business
  • If you are thinking about putting in a pool
  • When you purchased any high end jewelry, guns or other items
  • If you home replacement value has gone up
  • Did you get a company car?
  • If you have remolded any part of your home
  • When you install a security system in your home
  • If you get married or divorced
  • If your commute distance has changed
  • When your children go away to college

Having the right auto coverage is not as easy as it sounds, and choosing the wrong coverages and limits could cause many problems.  Our team is prepared to help you find the right combination of coverage, price and service.

Please contact us or give us a call to learn more.  You can also request a quote if you’re ready to start on a policy.  Valley oaks Insurance Agency is proud to provide insurance in Roseville, Sacramento, Lincoln, Granite Bay, Rancho Cordova, and Folsom, CA.  We also serve other areas in the state.

The information shared in this blog is provided and written on an opinion basis and for informational purposes, they do solely represent the opinions of Valley Oaks Insurance.

 

Recreational/RV Vehicle Insurance

You probably bought your motor home or travel trailer because it offers the best of both worlds: the ability to explore the world we live in and the convenience of your home each night when you pull over.  Motor homes and travel trailers offer a freedom and joy that’s unique regardless of the size of coach or fifth wheel you explore with.

But with this dual benefit also come some increased risks.  As a vehicle, your motor home needs some auto-type insurance to protect you from crashes, medical costs and the like while you’re driving on the road.  But comprehensive RV insurance needs to also protect you when you have stopped and camped.  That means you need insurance closer to what you find in a homeowner's policy that includes features such as:

Personal liability:

Protection in case someone is injured in or around your RV

Personal property:

Enhanced property insurance that will protect the contents of your RV in case of theft or damage.

Additonal living expenses:

Protection that helps pay for your cost of living if you are displaced from your motor home.

Attached accessories:

Another layer of protection that covers your awning, TV antennas or other accessories that might be damaged.

Getting the right recreational vehicle insurance doesn’t have to be expensive or difficult with an insurance expert on your side.

Consider Vacation Liability coverage for when you stop driving and start using your recreational vehicle as a temporary residence.  Some policies can include additional coverage for physical damage in Mexico.

Some policies include Roadside Assistance, which has you covered 24/7 in the event of a breakdown or accident.  Some will even allow you to upgrade the coverage to include lodging, transportation, and meal coverage if needed.

Our carriers claims service is available 24/7. In the event you have a loss, the insurance companies we work with have skilled claims teams who will work with you to get your RV repaired and back on the road.

Let us help you choose a policy that will fit your individual needs.  Protecting your assets, whether personal, business, or both, is our goal.  A well-chosen policy can lessen the impact of some of life’s most common, yet unforeseen perils.  We’re here to help when you are considering RV Insurance.

At Valley Oaks Insurance Agency, we understand the risks that drivers face.  We have more than three decades of experience managing these risks and helping clients through claims processes.  Our experience, vast claims network, and ongoing relationships with diverse groups of insurance companies help us provide optimal coverage while keeping premiums low. 

The information shared in this blog is provided and written on an opinion basis and for informational purposes, they do solely represent the opinions of Valley Oaks Insurance.

Five Keys to Improving Your Personal Insurance

A Personal Insurance Update

We work to ensure that your personal insurance provides the protection you deserve and need.  We understand you may need different coverage like a personal umbrella, RV insurance, valuable articles coverage, earthquake, or flood coverage.

Over the years, we have found that homeowners who adhere to the following strategies have a better chance of obtaining the best possible combination of coverage, price, and service.

1.    Use an agent like us to represent you in the market.  We know and understand personal insurance, and we are much better equipped to help you manage your personal insurance program.  

2.   Only use financially strong insurers.  It is vital that your insurance is there to pay for claims.  Look for insurers with an “A” rating by AM Best.

3.    Make sure you have high liability limits.  It is essential that every homeowner have enough liability insurance to cover the unexpected events.  This is especially true if you own an RV, ATV or boat.

4.    Consider increasing your deductibles.  Often a slight increase in your deductibles can reduce premiums.  If you are able to manage a larger deductible, you may be better off in the end.

5.    Allow your agent to manage your entire personal insurance needs. Having one source for all your policies will save you time.  Also having one broker handle all your needs gives them the ability to understand your entire needs.

Overall we work collectively with clients to find solutions and ensure that the value of these solutions is maximized.  This collective work often results in longstanding relationships with clients, and these relationships are things we hope to develop with every client.

Please contact us or give us a call to learn more.  You can also request a quote if you’re ready to start on a policy. 

Valley oaks Insurance Agency is proud to provide insurance in Roseville, Sacramento, Lincoln, Granite Bay, Rancho Cordova, and Folsom, CA.  We also serve other areas in the state.

The information shared in this blog is provided and written on an opinion basis and for informational purposes, they do solely represent the opinions of Valley Oaks Insurance.

Online Insurers Can't Always Answer These Questions

Whether you are a new homeowner or have owned your home for a longer period, there's no doubt you have any questions about homeowner’s insurance. You want to protect your home, your possessions, and your family. Below are five of the most frequently asked questions about home owner insurance.

1. As a home owner, am I required to have insurance? Yes, in most cases, especially if you have a lender. It's also wise to look into insurance if you are in the process of constructing your home and even renting your home to someone else.

2. What types of coverage does homeowner insurance provide? Two types casually, which covers the home and contents, and liability, which covers anyone who is injured on your property. With both types, the amount of coverage depends on the policy.

3. Will the replacement cost limit be the same as the sale price of my home? No. The replacement cost will cover the amount needed to replace the structure and/or contents. Replacement cost is usually calculated based on appraisal values and carrier cost estimators. It's wise to take inventory and photographs of your home and contents.

4. Will homeowner insurance cover damage or theft outside of my home? It depends on the policy. Sometimes standard policies offer this kind of coverage, but if not, ask if purchasing the coverage at additional costs is an option.

5. Are home-based businesses covered under homeowner insurance? No, unless you qualify for an endorsement to your current homeowner insurance policy. Otherwise, look into getting a business owners insurance policy.

Of course, homeowners will have more questions about homeowner insurance particular to their own situations (including protection against the elements, possessions that are no longer in the home, contents of vehicles, etc.). When searching for a homeowner insurance policy, be sure to ask about coverage relevant and beneficial to your own situation.

Valley Oaks Insurance Agency provides insurance to businesses in Roseville, Sacramento, Lincoln, Granite Bay, Rancho Cordova, Folsom, and surrounding areas.

The information shared in this blog is provided and written on an opinion basis and for informational purposes, they do solely represent the opinions of Valley Oaks Insurance.

A New Year New Risk...Time For An Insurance Review

An Insurance Update

The New Year is great time to review your personal insurance package. Our team is ready to help you understand how your insurance needs have changed over time.

Here are a few examples of how life changes may impact your insurance.

  • How often do you travel out of the country?
  • Do you have any domestic employees?
  • Has there been any changes in marital status?
  • Are you involved in any nonprofit organizations?
  • Do you own a business and operate from your home?
  • Do you own a second home?
  • Do you own any unique collections of art, wine, cars, or guns?
  • Are there any children in college?

Your insurance needs changes as time goes by We offer a broad range of personal insurance products that are designed to meet your individual needs. We can help you find am insurance product that suits your individual needs. Don’t wait for another second to ensure your home is adequately insured.

The Insurance specialists at Valley Oaks Insurance Agency serve to help you coordinate an insurance program that determines the best coverage options for your needs – for benefits and quality discounts that help you save.

 Call us today for more info on your options for personal insurance coverage.

The information shared in this blog is provided and written on an opinion basis and for informational purposes, they do solely represent the opinions of Valley Oaks Insurance.

Stop Porch Pirates This Holiday Season

The holiday season is filled with fun, parties, food, gifts, overeating and unfortunately some risk. One of the fasted growing risks for many people are stolen packages by porch pirates. According to proopertycasualtiy360, over 26 million packages are stolen during the holiday season. Need more bad news?

Your homeowners or renter’s insurance generally may not cover this loss as it tends to be under your deductible. There could be coverage if you have personal property off premises insurance. Also for theft coverage to apply generally, you need proof of loss by a broker indoor, etc.

Call our office for a review of your homeowner’s insurance, as each policy is unique to your circumstances.

Things To Do

  • Delivery confirmation is a good way to prove the package was delivered.
  • Thieves will follow delivery trucks, waiting for the perfect target.
  • These thieves commonly strike during working hours as many homes are empty at that time.
  • You can insure your packages.
  • Consider having a person there when the delivery is scheduled.
  • Install a security camera.

High Tech Solutions

There are a few high tech solutions to consider.

  • Install a front door camera. Many shippers will not replace the item with this kind of device.
  • If you use a delivery service, access their security procedures and technology.  Many of them offer the newest security solutions. 

What To Do If A Package Is Stolen

  • Track your package. Check the delivery confirmation and tracking number.
  • Make sure a neighbor did not pick it up for you.
  • Contact the seller. Different retailers have different policies and processes for handling stolen items, but usually, you are entitled to a refund or a replacement item.
  • File a claim with the shipping company.
  • Check your Credit Cards for Purchase Protection.

The Insurance specialists at Valley Oaks Insurance Agency serve to help you coordinate an insurance program that determines the best coverage options for your needs – for benefits and quality discounts that help you save.

The information shared in this blog is provided and written on an opinion basis and for informational purposes, they do solely represent the opinions of Valley Oaks Insurance

Risk Of A Fire Low… Risk Of A Cyber Attack High

Believe it or not, a small to medium sized business has a greater chance of having a cyber-attack than it does of having a fire. We’re committed to providing insurance solutions that keep small to medium-sized businesses protected. That is why we combine various coverage options into one convenient package – for more benefits than a typical Business policy and better savings through competitive pricing.

According to Symantec, in 2017, the average annual cost of cyber attacks to small and medium-sized businesses was nearly $208,000. Many times a small business does not have the recourses to respond effectively, and about 30% of small businesses are forced to close as a result of a cyber attack. Almost every state now has laws regarding breach notification and identity theft insurance requirements once your business has had a cyber breach.

Cyber Facts For Small Businesses

According to a study by Staysafeonline.org, small businesses are a few steps behind in cyber risk and safety.

  • Two thirds (67%) allow the use of USB devices in the workplace.
  • 77% do not have a formal written Internet security policy for employees.
  • Only 50% say that all of their machines are completely wiped of data before disposal.

Here Are Some Warning Signs Your Business Is At Risk

  • Poor or weak passwords
  • No formal computer use policy
  • Lack of up to date computer security programs
  • People leaving computers on at night
  • No client information storage policy or protocols

Cyber Insurance Options

Most insurers have excluded cyber risks from more traditional insurance policies such as Commercial General Liability (CGL). Some may offer a small amount, but it generally will not be enough.

No matter what business you’re in, each workday is dedicated to doing your job well and providing your customers with the best service possible. Valley Oaks Insurance Agency would like to return the favor by giving you the coverage you need to ensure the security of your business.

At Valley Oaks Insurance Agency, we’re committed to keeping your business protected – so you can focus on your day-to-day operations. And with the right insurance plan, your business will be covered from top to bottom.
There are many new products on the market that can provide the needed protection. Call our office for more information.

The information shared in this blog is provided and written on an opinion basis and for informational purposes, they do solely represent the opinions of Valley Oaks Insurance

How Your Business Can Better Protect Itself

A Business Insurance Update

Even the best run businesses may have a loss now and then. It is important that every business owner and manager have a comprehensive business insurance program. A well-designed business insurance program will help the business get through a loss. Here are few ideas to help you make sure you have the best possible coverage your business needs. 

  • Make sure you combine your business policies into one “package” Its possible to receive premium discounts for doing this.
  • Every business should have a commercial umbrella policy with at least $1,000,00 of coverage.
  • Review your property insurance deductibles, by increasing your deductible you may be able to lower your premium.
  • Consider coverages that may not be included in your current policy coverage; cyber liability, employment practices liability, and director and officer’s liability.
  • Have your agent search the market for the best possible combination of coverage, price, and service.

No matter how well your business might be doing, disaster can strike. We offer a variety of business insurance policies to protect your business as well as your peace of mind. No matter how small or large, your business is, you never know what the next day will bring or how much it might cost.

No matter what business you’re in, each workday is dedicated to doing your job well and providing your customers with the best service possible. Valley Oaks Insurance Agency would like to return the favor by giving you the coverage you need to ensure the security of your business. 

At Valley Oaks Insurance Agency, we’re committed to keeping your business protected – so you can focus on your day-to-day operations. And with the right insurance plan, your business will be covered from top to bottom.

The information shared in this blog is provided and written on an opinion basis and for informational purposes, they do solely represent the opinions of Valley Oaks Insurance.


Should You Ever Read Your Insurance Policy?

We know that reading an insurance policy can be tough. The insurance industry is working hard to make auto, home, and business insurance policies easier to read. Please resist the temptation to toss your insurance policy in the drawer, because understanding your insurance policy can help avoid costly coverage gaps or frustration with your insurer after an accident. 

Insurance Policy Reading Tips

The Declarations Page

  • Check all information to make sure it is correct.
  • Review address, policy dates, and named insured.
  • Review limits to make sure they are what you ordered.
  • Confirm premium information.

For Auto Policies, Check The “Vehicle Information”

  • Is the correct vehicle identified?
  • Verify the VIN number.
  • Confirm the vehicle’s value.
  • Review the list of drivers, if they are identified.

The Insuring Agreement

This is the section where most of the key coverages will be found. Take time to review the various coverage and coverage terms.

The Exclusions

It is very important to read this section as well. Typical examples of excluded perils under a homeowner’s policy are flood, earthquake, and wear and tear. A typical example of an excluded loss under an automobile policy is damage due to wear and tear. Business insurance exclusions can include employment liability, cyber liability, and criminal acts. 

Definitions Section

Every policy should include a Definitions Section to provide an explanation of certain language.

We are your trusted partner.  Call us to help you better understand your policy. We can help explain what is in your policy and more importantly, help make sure that you are appropriately protected for the future.

The Insurance specialists at Valley Oaks Insurance Agency serve to help you coordinate an insurance program that determines the best coverage options for your needs – for benefits and quality discounts that help you save.

The information shared in this blog is provided and written on an opinion basis and for informational purposes, they do solely represent the opinions of Valley Oaks Insurance?


Personal Umbrella Insurance

You’ve worked hard to earn your lifestyle. Consider adding additional liability protection to your Auto, Home, Renters or Condo policy. Personal Umbrella Liability coverage added to your other policies can protect you, your spouse and any relatives living in your home. 

Umbrella Insurance Protection

Umbrella Insurance provides extra protection or limits above the liability insurance you currently have. Just as an umbrella protects you from heavy rain, an umbrella insurance policy protects you from losing the entirety of your wealth and assets in the event of a claim. Umbrella insurance can provide limits above your business insurance, personal auto and home policies.

Umbrella insurance provides broad insurance beyond traditional insurance. It provides additional liability coverage above the limits of your primary insurance policies. 

It is true that personal umbrella insurance may not be for every business or individual. That said, if you are a business owner, wanting to protect your company’s resources and financial resources for your future, own your home, a boat or recreation vehicle, you should consider an umbrella insurance policy.  Having the added protection of an umbrella insurance policy is coverage no one should go without. Call us today, for a free review.

High Net Worth Individuals

Do you own a boat, second home or have other expensive toys? Often high net worth individuals need higher liability limits to protect personal assets. A simple rule is, the more you own the greater risk you may have of losing it. The nice thing about an umbrella policy is that it is competitively priced. Usually, it costs about $300 per year for each $1,000,000 increment of insurance that you buy, and it can bring you great piece of mind (in some cases it will be higher or lower)

At Valley Oaks Insurance Agency, we are committed to the safety and security of you and your family, which is why we will work with you to create a perfect policy that protects all of your interests. Since Personal Umbrella Insurance will vary depending on your individual coverage needs, it’s important to discuss your options with one of our insurance specialists before making a decision.


Something Your Business Insurance Might Be Missing

If your business suffered a property loss, are you confident that your building would be restored to its pre-loss condition—including any changes in building codes?  It is a sobering fact that over 30% of businesses that suffer a total loss never resume operations.  If these businesses had purchased the right insurance, they might have been able to continue operation.

One of the often-misunderstood kinds of insurance is called “building ordinance and law coverage.”  This kind of insurance provides an additional amount of coverage for the enforcement of building codes that have been updated since your building was first constructed.  Structures that have been damaged may need upgraded electrical, heating, ventilating, and air-conditioning (HVAC), roofing materials, fences, and plumbing based on city codes. 

Here are some examples of how ordinance and law coverage has helped a business:

  1. This coverage provided $20,000 to upgrade windows to meet new environmental standards.
  2. New codes required the business to install a sprinkler system at the cost of $125,000.
  3. This coverage provided $11,000 for the installation of handicapped entrances and bathrooms.

Building ordinance and law coverage can have a specific limit based on your needs.  We recommend you contact us to complete a review of your coverage and make recommendations to meet your needs.

Valley Oaks Insurance Agency provides insurance to businesses in Roseville, Sacramento, Lincoln, Granite Bay, Rancho Cordova, Folsom, and surrounding areas.

No matter what business you’re in, each workday is dedicated to doing our job well and providing our customers with the best service possible. 

At Valley Oaks Insurance Agency, we’re committed to keeping your business protected – so you can focus on your day-to-day operations. And with the right insurance plan, your business will be covered from top to bottom. 


Are Wildfires Covered Under A Home Insurance Policy?

According to the Federal Government, almost 90 percent of the wildfires in the United States are caused by humans.  Wildfire can occur is the country and major cities. Wild fires can start in a vacant lot and spread to neighborhood very quickly. From January 1 to March 31, 2017, there were 13,458 wildfires, compared to 9,218 wildfires in the same period in 2016. Source; iii.org

Wildfires And Homeowner’s Insurance

Unlike earthquakes and floods, wildfire damage should not require a completely separate policy, and probably does not even require a high risk policy. It is a good idea, however, to know what your homeowner’s policy does cover.  In many cases wildfires are covered, but it is always good to call your agent for a homeowner’s insurance review.

If your homeowner’s policy covers wildfires it would normally protect the building and contents from a covered loss. In addition, you will need additional living expenses if you must leave your home during re-construction.

Wildfire Prevention

Become familiar with your community’s disaster preparedness plans and create a plan for your family. Identify escape routes from your home and neighborhood and designate an emergency meeting place for your family to reunite if you become separated.

  • Use fire resistant materials for roof and home construction.
  • Keep wood piles at least 30 feet from your home.
  • Create a 100 foot safety zone around your home.
  • Prune trees within 15 feet of any chimney outlet.
  • Follow local ordinances when burning yard waste. Avoid backyard burning in windy conditions, and keep a shovel, water, and fire retardant nearby to keep fires in check. Remove all flammables from your yard when burning.
  • Make sure that fire vehicles can get to your home. Clearly mark all driveway entrances and display your name and address.
  • Teach children about fire safety. Keep matches out of their reach.
  • Keep roofs and gutters clean and free from debris.
  • Have a ladder that reaches your roof.
  • Have an extra-long hose.
  • Rake leaves, dead limbs and twigs. Clear all flammable vegetation.
  • Back as many vehicles as possible into the garage, then close the door. In the event that you evacuate, remember to close the garage door behind you as you leave. If you do not have a garage or if yours is full, park your vehicles heading in the direction of the evacuation route.

At Valley Oaks Insurance Agency, we’re committed to keeping your home and business protected – so you can focus on other things. And with the right insurance plan, your home and business will be covered from top to bottom

The information shared in this blog is provided and written on an opinion basis and for informational purposes, they do solely represent the opinions of Valley Oaks Insurance.


The Importance of Reviewing and Updating Insurance

When was the last time you reviewed your personal insurance coverage? Did you know that even subtle changes can have an impact on your financial needs and plans?  Call our office today, and we can help you find the right combination of personal insurance coverage and price.

When was the last time you reviewed your personal insurance coverage? The New Year is a great time to review your personal insurance. Most of us know that major life events can make it necessary to update our insurance coverage. But did you know that even subtle changes can have an impact on your financial needs and plans?  Call our office today, and we can help you find the right combination of personal insurance coverage and price.

Personal Insurance

  • Review my insurance to make sure I have the right coverage
  • Take the time to read my insurance policies
  • Does my independent agent have all my correct information, including new phone number, address, and newly purchased property?
  • Make sure I have identity theft insurance
  • Do I have enough life insurance?
  • Do I need life insurance for my spouse?

Other Items To Consider (you may need insurance for some of these)

  • Bought a new car or sold a car
  • Changed your marital status
  • Bought a boat, RV or ATV
  • Change of address
  • Welcomed a new baby into the family
  • Major inheritance
  • Have a new teen driver in the family
  • Child headed off to college
  • Purchased second home
  • Plan foreign travel
  • Started a home based business
  • I now drive my personal car for work

The Insurance specialists at Valley Oaks Insurance Agency serve to help you coordinate an insurance program that determines the best coverage options for your needs – for benefits and quality discounts that help you save.

The information shared in this blog is provided and written on an opinion basis and for informational purposes, they do solely represent the opinions of Valley Oaks Insurance

 


Five Keys to Improving Your Personal Insurance

A Personal Insurance Update

We work to ensure that your personal insurance provides the protection you deserve and need.  We understand you may need different coverage like a personal umbrella, RV insurance, valuable articles coverage, earthquake, or flood coverage.

Over the years, we have found that homeowners who adhere to the following strategies have a better chance of obtaining the best possible combination of coverage, price, and service.

  • Use an agent like us to represent you in the market.  We know and understand personal insurance, and we are much better equipped to help you manage your personal insurance program.  
  • Only use financially strong insurers.  It is vital that your insurance is there to pay for claims.  Look for insurers with an “A” rating by AM Best.
  • Make sure you have high liability limits.  It is essential that every homeowner have enough liability insurance to cover the unexpected events.  This is especially true if you own an RV, ATV or boat.
  • Consider increasing your deductibles.  Often a slight increase in your deductibles can reduce premiums.  If you are able to manage a larger deductible, you may be better off in the end.
  • Allow your agent to manage your entire personal insurance needs. Having one source for all your policies will save you time.  Also having one broker handle all your needs gives them the ability to understand your entire needs.

Insurance specialists at Valley Oaks Insurance Agency serve to help you coordinate an insurance program that determines the best coverage options for your needs – for benefits and quality discounts that help you save.

 

Commercial Insurance You Need But May Not Have Considered

A Business Insurance Update

Business insurance is designed to protect your business from unknown accidents and losses.  Many businesses many not take the time to understand many of the unique risks they might have.  That is why an agent can help you not only understand your risk but develop and design a program to address your risks.

Did You Know?

Many business professionals many not have thought of these coverages—but they should.

  • Cyber Liability Insurance can be added to your program to cover the costs associated with customer notification and recovery of hacked data.  If you store data, including private information on computers, use e-mail, generate revenue online, or use your computer to control production, manufacturing, or inventory, your company is at risk!  In short, any business not making a serious effort to protect personal private information is seriously out of step with the emerging landscape of privacy law.
  • Employment Liability Insurance provides protection for an employer against claims made by employees, former employees, or potential employees.  It can cover discrimination (age, sex, race, disability, etc.), wrongful termination of employment, sexual harassment, and other employment-related allegations.
  • Professional Liability Insurance pays for damages caused by services.  It is also called “errors and omissions” coverage.  This insurance is for companies that market a service instead of a product, just as professionals in medical clinics must have medical malpractice coverage.
  • Directors and Officer’s Liability Insurance helps protect your business, owners, executives, and directors. A lawsuit against directors and officers most commonly occurs when shareholders (private or public), clients, competitors, or others feel they suffered a loss in the value of their shares because of actions that the board or senior management took or did not take.

At Valley Oaks Insurance Agency, we’re committed to keeping your business protected – so you can focus on your day-to-day operations. And with the right insurance plan, your business will be covered from top to bottom.

Valley Oaks Insurance Agency provides insurance to businesses in Roseville, Sacramento, Lincoln, Granite Bay, Rancho Cordova, Folsom, and surrounding areas.

No matter what business you’re in, each workday is dedicated to doing your job well and providing your customers with the best service possible. Valley Oaks Insurance Agency would like to return the favor by giving you the coverage you need to ensure the security of your business. 

At Valley Oaks Insurance Agency, we’re committed to keeping your business protected – so you can focus on your day-to-day operations. And with the right insurance plan, your business will be covered from top to bottom. 

 

Your California Business is Exposed to Directors and Officers Claims

Directors and Officers (D & O) Liability Update

Every business, no matter what the size, has a D & O exposure.  Some people may mistakenly think that D & O risks are just for large firms, but actual court cases tell a different story.  D & O claims come about because of decisions made by the firm’s officers and employees.  Claims can come from employees, competitors, investors, and the government.  Most of these kinds of clai