Health Insurance Amount SoCal Residents On The Decline...

Got Health Insurance?

According to the University of California at Los Angeles Center for Health Policy Research, the number of people without medical insurance in California jumped in all counties due to the recession.


The state of California's uninsured rate averages about 24.3%.

However, 37 counties ranging from Shasta to Kern to Imperial had higher uninsured rates than the average.

The majority of people who lost their medical insurance was in Southern California counties, such as San Bernardino, Riverside and Imperial.  All counties within the San Joaquin Valley, and most counties within the Northern/Sierra areas (except Humbolt and Sutter) had uninsured rates higher than 24.3%.

The loss of medical insurance within these areas was mostly due to drastic increases in unemployment, employer sponsored coverage being dropped, and household incomes dropping as a result.

With an individual plan costing only a few dollars a day it is one of those expenses that should not be forget.

Please Contact Jason Shroot @ Diversified Insurance For a FREE 

Heath Insurance Quote.

We Can Be Reached 7 Days a Week @ 714-988-3325

www.diversifiedinsurancequotes.com

Personal Articles Floater Insurance 101

Personal Articles Floater Insurance 101

Personal Articles Floater supplements coverage for possessions of higher monetary value, such as a diamond engagement ring, your grandfather's pocket watch, artwork, or a valuable collection. While most homeowners policies have limits on the dollar amount and type of loss that can be recovered, Personal Articles Floater will provide the protection you need for your most valuable possessions in the event of loss through theft, accident or natural disaster.

When would a Personal Articles Floater be needed?


The protection provided for personal property under the typical homeowners policy is very broad, and includes coverage for your furniture, clothing, and appliances. In addition, it provides limited coverage for such items as jewelry, silverware, furs, and firearms. However, it may not cover some types of loss that may be important to you, such as the stone falling out of your diamond ring, your antique statue that is accidentally broken, or a flooded basement that damages your personal computer.

In fact, most homeowners policies set dollar limits on the amount of protection offered to cover the theft of items such as jewelry or furs (usually only up to $1,000), firearms (up to $2,000), or silverware (up to $2,500). Optional add-on coverage to the homeowners policy (like our Ultra Additional Protection endorsement) is available to enhance coverage by providing higher limits and expanded protection for special property. This usually provides most homeowners with enough coverage.

However, if you own extremely valuable items, this still may not be enough coverage. For example, if you own a diamond ring valued over $5,000 or a collection of fine arts valued over $50,000, you need more protection and should consider buying a Personal Articles Floater.

What kind of property can be covered?


Many different types of possessions can be accommodated by the Personal Articles Floater.

Here's a quick listing of some of the items typically covered:
•cameras (video or still) and related equipment
•china and crystal
•coins (rare and current)
•firearms
•furs
•golfer's equipment
•jewelry
•musical instruments
•personal computers
•stamps (rare and current)
•silverware
•works of fine art, including paintings, etchings, pictures and other bona fide works of art (such as oriental rugs, statuary, rare books, manuscripts and bric-a-brac) of rarity, historical value or artistic merit.


Where are my items covered?


A PAF will cover most items worldwide. There is nowhere on the planet you don’t have coverage. A typical homeowner’s insurance policy may only extend coverage to the U.S. and Canada.ts are the only outlier in the “where” portion of a PAF policy. These items are subject to coverage in the U.S. and Canada, similar to every item in the homeowner’s policy.

If you have high value, or specialty items, whether a homeowner or renter, you may require a PAF to ensure you have the necessary coverage to replace or repair them in the unfortunate event a loss occurs.

Contact your local independent agent, Jason Shroot, if you are not sure what your homeowner’s or renter’s policy covers. As with all types of insurance, it’s generally better to pay a small amount upfront than be sorry later.

714-988-3325

Jason@diversifiedinsurancequotes.com

http://www.diversifiedinsurancequotes.com/

Special Event & Wedding Insurance - Protect Yourself With Insurance

Wedding and Wedding Reception Insurance Program
A Liability Insurance Program Providing Protection from Lawsuits of Bodily Injury and/or Property Damage

Need A Quote Right Now?  Call Jason Shroot @ 714-988-3325

You've fallen in love, and now you want to celebrate that love with your friends and family. You want to be unique and commemorate your wedding with an incredible party for your friends and family, who love and support you and your partner. What happens when someone gets hurt, and your wedding celebration turns into a financial and emotional strain on your guests?  It may seem unnecessary now, but insuring your wedding can help guarantee that your special day will leave you with pleasant, loving memories of your wedding.

Your wedding can be the happiest day of your life. Months of planning mean that you should enjoy the wedding of your dreams. You may have made all the arrangements for your forthcoming wedding, or you could still be in the planning stages for the big day. Whatever your circumstances, Jason Shroot can help you protect your family and friends during your celebration. Hopefully your wedding day will take place with no setbacks, but unfortunately, accidents do happen.

Whether you are looking for one-day liability coverage or a three-day package, Diversified Insurance offers quality insurance with the lowest possible premium cost to you. Our firm understands the financial demands that a wedding places on a bride and groom, and their families. We want to make sure the financial stresses are over with the wedding. Protect your loved ones from the emotional and financial burden that one can incur as the result of a loss or injury. Diversified Insurance offers specialized insurance for your wedding, from the number of guests you plan to have at your wedding, to the day-after brunch, our unique program is affordable and unmatched in the insurance industry.

Who Is Covered
This program provides protection for the Policyholder against claims of bodily injury liability, property damage liability, personal and advertising injury liability and the litigation costs to defend against such claims. Coverage is provided up to $1,000,000.00 per occurrence. There is no deductible amount. 

Coverage Includes Suits Arising Out Of:

• Injury or death of spectators
• Injury or death of volunteers
• Property damage liability
• Incidental medical malpractice
• All activities necessary to conduct of practices and games
• Ownership use or maintenance of fields or practice areas
• General negligence claims
• Cost of investigation and defense of claims, even if groundless
• Corporal punishment 

For More Information Please Call Jason @ 714-988-3325

Does Your Home Business Need Insurance?

Does Your Home Business Need Insurance?

Why on earth would a home business need insurance?  You already have coverage on your house, right? And if a visiting client slipped on your newly waxed kitchen floor while getting a coffee refill, homeowners insurance has that covered as well. I think.  And after all, you don’t have time to keep the floor waxed anyway.

 

Not surprisingly, a recent study commissioned by the Independent Insurance Agents & Brokers of America (IIABA) shows that most home business owners don’t bother with insurance coverage. And yes, that does put the home entrepreneur at risk, since most homeowner policies don’t cover the liabilities and risks of in-home companies.

The survey shows that one in 10 U.S. households run some type of full- or part-time business in the home. Results also show that nearly 60 percent of those households do not have business-related insurance coverage. Of those home companies not covered, roughly 40 percent of their owners said they thought they were protected by some other type of coverage, while almost 30 percent said their businesses were too small to insure.

So, what types of home businesses need insurance? We called IIABA to find out. “In most cases, if it’s a crafting business or piano lessons, most home owner’s policies are sufficient and business related property can be added,” says Madelyn Flannagan, VP of education and research at IIABA. “If you’re running a professional service, though, you should consider a policy that covers liability and business interruption.” She also noted that if you have employees reporting to your home, you will need insurance and you will also have to comply with statutory laws and workers comp.

Flannagan explained the type of risk associated with running a home-based business. “By not having business insurance, home-based business owners are at risk for significant financial losses associated with theft, accidental damage, natural disasters, vehicle accidents and liability if an employee suffers an injury while on the job or a business guest is hurt while visiting the home-based business,” says Flannagan. “Homeowners insurance policies normally don’t provide protection in these situations.”

When I started my own home business, I called my household insurance broker and asked what I needed. I don’t have my editors traipsing through my living room grabbing copy, thank goodness – most of them live far, far away, But it turns out my computer and other office equipment is not covered since I use it primarily for business. Would anyone really ask what the equipment was used for it my house burned down? I don’t know, but who’s taking chances. The additional business coverage was pennies per week, so why sweat it. I have a cute little business rider now on my household policy.

The IIABA survey showed that home business owners with low incomes are less likely to have insurance, but the results also showed that 40 percent of business owners with household income of more than $75,000 per year also lacked adequate business coverage. Flannagan notes that while business coverage varies greatly, a comprehensive commercial policy for a home-based business run as little as $250 per year.

To cover your business, Diversified Insurance offers the following tips:  

1. Check your homeowners policy to see were you’re already covered and where you’re at risk.
2. Check business policy options. There is a range of packages designed specifically for home-based companies.
3. Consider income protection. If your home-based business is a full-time occupation, you will also want to consider personal coverage and income protections such as life insurance, health insurance, disability protection and workers comp.

We all hate insurance costs, but a little bit of homework may prove that the expense is not really very painful. And in most cases worth the cost especially since an accident can occur at any moment.

For More Information Contact Jason Shroot @ Diversified Insurance At 714-988-3325