JSG Insurance Services

🧐 Wondering what you should do now that State Farm and Allstate have stopped accepting new home insurance policies in California? We have you covered in our latest article. Click the link to learn why this happened and what California homeowners should do now.

➡ https://www.jsginsurance.com/state-farm-and-allstate-home-insurance-stoppages-what-california-homeowners-need-to-know/

Last week, agency owner Jon Gardner spoke to KTLA 5 about California’s challenging insurance market in light of decisions by Allstate and State Farm to stop accepting new homeowners policies.

Watch the video interview on the KTLA 5 YouTube channel to hear his advice to consumers: https://youtu.be/MkHSVnvOWAY?t=66

Allstate stops accepting new property insurance applications in California California homeowners will no longer be in the “good hands” of Allstate. Almost a week after State Farm, California’s largest property insurer, announced that the company would stop accepting insur…

🏡 June is National Homeownership Month, a time to recognize the major life achievement of homeownership and its ability to transform lives and communities. 🤝

This month, we’re spotlighting Homeowners and Renters insurance topics. Whether you currently own a home, plan to own in the future, or rent, we want to help you understand your coverage better. Stay tuned to learn how to make your policy work for you, no matter your circumstances.

➡ Read our past blog posts on Homeowners insurance here: https://www.jsginsurance.com/category/blogs/home-insurance/

Blogs – Home Insurance Category archive page for Home Insurance.

From all of us at JSG Insurance Services, we wish you all a peaceful and safe Memorial Day. Today, we remember and honor those who lost their lives in military service, as well as their loved ones.

❓How well do you think you understand your Auto liability insurance? If that question just made you nervous, don’t worry – many people have questions about how their insurance works.

In our latest article, we give you a breakdown (with examples!) of bodily injury liability and property damage liability.

Read it here! ➡️ https://www.jsginsurance.com/auto-liability-insurance-what-is-it-and-how-much-do-i-need/ ⬅️

Wrapping up this series with a Q & A! Click the link below to read

If we missed anything, please leave your questions in the comments and we will be happy to answer them!





https://www.jsginsurance.com/homeowner-insurance-in-brush-areas-frequently-asked-questions/

Homeowner Insurance in Brush Areas Frequently Asked Questions Insurance companies focus on the cost to rebuild your home with similar materials, size, and features on your current lot. To do this, the insurance company collects the features of your home and uses a third-party calculator to estimate the cost to rebuild a similar home.

What happens after you call several companies and are told they can’t insure your home on standard home insurance policy and your only option is the California Fair Plan with a Difference in Conditions policy?

Click the link below to learn more!

Homeowner Insurance – California Fair Plan In plain English, it is an association of the California insurers established by State statute in 1968. CFP issues policies on behalf of the association with the stated purpose to provide basic fire insurance coverage for higher risk properties when traditional insurance companies will not. It...

Okay, insurance rates are rising... Well, now what?!

Here are steps you can take to ensure you are getting the best policy for your premium.

Click the link below!

Homeowner Insurance Rates Increases – What Now? As part of our series on homeowner insurance, last week we discussed the reasons for the rate increases and recent difficulties in the home insurance market. Click here for a review of that article. This week, we address the steps you can take to ensure you are getting the best policy for your...

Why are homeowners insurance rates increasing you ask? Well, let's break it down.

Click the link below 🏡

Homeowner Insurance- What’s up…Besides Your Rates? The homeowner insurance market in California is very challenging. Rates are increasing, policies are being canceled, insurance companies are declining to write new policies in several areas, and things seem to be getting worse. Why is this happening? There are several items that are impacting...

Need a good laugh? Check out all the Funny Things People Say After An Auto Accident! 😂

Click the link below to read them all!

https://www.jsginsurance.com/funny-things-that-people-say-after-an-auto-accident/

Funny Things that People Say After an Auto Accident Over the years, as people have accidents or get pulled over for tickets, they say some very funny things. There are several places online where these statements are posted and I took a few that I thought were the most entertaining. Take a few minutes, have a good laugh, and hope you never say...

Before we move on to the next series, we wanted to cover any unanswered questions regarding your auto policy! Click the link below to read the most asked questions!

If we missed anything, please drop your questions in the comments.

Questions you Asked (Or Were Thinking to Ask) about Your Auto... To wrap up our "Assessing your Own Auto Insurance" series, we are asking all your answered questions. Our hope is that you now feel confident in understanding your auto policy!

To wrap up this series, we are discussing how to protect your vehicle from the unexpected.

Click the link below to check it out!

Assessing Your Own Auto Insurance in 4 Easy Steps – Part 4... The first coverage is Collision. This coverage pays for the damage to your vehicle if it was damaged when colliding with another vehicle or object. Damages to your vehicle could result from colliding with another vehicle, with a fence or post, or hitting an object on the freeway. Collison also...

Part 3 of Assessing your Own Auto Insurance is live! It's all about underinsured or uninsured motorists. Don't rely on another driver to have the proper coverage!

Click the link to read!

Assessing Your Own Auto Insurance in 4 Easy Steps – Part 3 –... In Parts One and Two of this series, we focused on liability coverages which cover you if you cause injuries to others or damage to their property. Part One highlighted Bodily Injury liability and Part Two explained Property Damage liability. This week we are going to discuss Uninsured and...

This week we are continuing on with our series. We are discussing how to assess your property damage coverage, or liability! If you are the cause of an accident, you could be responsible for more than you think! Click the link to read the full article.

Assessing Your Own Auto Insurance in 4 Easy Steps – Part 2... this week we will discuss Property Damage coverage. This is also a “Liability” coverage, and it will pay for damage you cause to the property of someone else. For example, if you cause an accident and you damage someone else’s vehicle, this coverage pays for their repairs. Similarly, if you...

A common phrase I hear when talking to clients is “I have full coverage”. While you may have the key coverages on your auto policy, that is no guarantee you have all the coverages, or the level of coverage you need to properly protect yourself. Our belief is you should “Understand your coverage...before you have a loss”.

Clink the link below to read how to properly assess your own auto policy!

Assessing Your Own Auto Insurance in 4 Easy Steps – Part 1 In this article, we will discuss Bodily Injury liability coverage. This is the coverage you have if you cause an accident and are responsible to pay for another person’s injuries. If you injure someone in an accident, you are responsible to pay for the injured person’s medical costs, lost wages....

Happy New Year! ✨According to the Small Business Administration, there are 30.2 M small businesses and about half of them are home-based 🏡
The question is whether your homeowner insurance provides the coverage you need to be properly protected. The short answer is No.

Click to the link to learn what you need to protect your at-home business!

My Homeowner Insurance Covers my Home-based Business….Right? With the recent events, many people have chosen to leave their corporate jobs, stop their long commutes, and start their own home-based business. According to the Small Business Administration, there are 30.2 million small businesses and about half of them are home-based. The question is whether...

An umbrella policy picks up the additional liability payments you owe after the full limits of your Auto, Home, and other policies have been paid. It is a valuable tool and an inexpensive way to protect your assets and future income ☂️

Click the link below to read more!

https://www.jsginsurance.com/how-do-you-know-if-you-need-a-personal-umbrella/

How Do You Know if You Need a Personal Umbrella? An umbrella is a valuable tool and an inexpensive way to protect your assets and future income. To determine if an umbrella would be valuable for you, Try our free liability calculator to estimate your potential financial exposure to a large liability loss.

As promised, this week's post is all about why condo owners need earthquake insurance. The HOA just won't cut it in the event of an earthquake.

For example, a 50-unit complex will likely have a $1,500,000 or higher deductible. Most HOAs of that size do not that have that in reserve and will assess the unit owners to cover the deductible. These assessments are usually in the $30,000 - $40,000 range per unit.

To read the full article, click the link below!!

https://www.jsginsurance.com/why-condo-unit-owners-need-earthquake-insurance-even-if-the-hoa-has-coverage/

Why Condo Unit Owners Need Earthquake Insurance (Even if the HOA... ou own a condo either as your primary residence or as an investment property. You checked and found the HOA carries earthquake, so you feel protected. However, does that give you the protection you really need?

Today I'm sharing all about the importance of home owners having the proper earthquake insurance. Recent estimates by the California Earthquake Authority show that only 10% of California households carry this coverage 😱

Click the link to read the full article!

https://www.jsginsurance.com/is-earthquake-insurance-worth-the-cost/

Is Earthquake insurance worth the cost? In California, earthquakes are a reality. However, recent estimates by the California Earthquake Authority show that only 10% of California households carry this coverage. Earthquake coverage is not part of a standard homeowner, condo, or renter policy and needs to be purchased separately.

In a perfect world, everyone would carry more coverage. However, due to budgetary restraints, choices are made. Your coverage choices should be based on your potential exposure to loss.

Do you know what your potential exposures to loss are?

Doubling Your Auto Coverage Without Doubling Your Premium Saying people don’t like paying for Auto insurance is an understatement. However, with a little knowledge you can help ensure that your premiums will provide you with the best coverage. Major areas of your Auto policy include: Liability, Uninsured Motorist, Comprehensive and Collision. The focus.....

You just returned from dropping off your child at college. The house is much quieter, you wonder if they are making friends, and hope they will call you with an update. Beyond these initial thoughts, there are also some insurance matters to consider. Today, the focus is on Auto Insurance. Your child is not at home, is not driving your cars, so why not remove them from your Auto insurance policy?

This is an approach that many parents use. They call their insurance company and ask to have their child removed (excluded) from their Auto policy. This means their Auto policy would no longer cover their child as a driver. While this seems like a good idea, there are two issues that should be considered. While you may remember to take your child off the policy when they leave, are you absolutely sure you will remember to add them when they return? What happens if they come home for a quick weekend or as a surprise and need to use the car? I have seen many claims where the child comes home, has an accident in the car, and there is no coverage. Similarly, what happens if your child drives a friend’s car at school and gets in an accident and that policy did not provide any coverage?

A better approach is to keep your child on your Auto policy and apply for the “Student Away at School Without the Car” discount. Most companies offer a discount in these scenarios because they know your child has limited access to your cars. The discount is based on the assumption that your child may only be home during the Summer and holidays. However, they would be covered whenever they drive your cars; and you don’t have to worry about taking them off and adding them each time they leave and come home.

Stay tuned for Part 2 which will follow shortly and discuss the best way to cover their belongings while at school.