Cathy's Insurance Insight

Life Insurance - Q&A

2012-01-31T00:00:00.000-08:00

Question: Can an existing life insurance policy be used to provide for the repayment of an outstanding mortgage loan?

Answer: Yes, an existing policy, either term or cash-value life insurance, can be used for many purposes, including paying off an outstanding mortgage loan balance in the event of the insured's death. Credit life insurance is frequently recommended in conjunction with the taking out of an installment loan when purchasing expensive appliances or a new car, or for debt consolidation.

Question: Should term insurance or cash value life insurance be purchased?

Answer: Although a difficult question--one whose answer will vary depending on circumstances--several principles should be followed in addressing this issue. First, at least two basic questions:

"How much life insurance should I buy?" and
"What type of life insurance policy should I buy?"

The question contained in (1) involves an "insurance" decision and the question contained in (2) requires a "financial" decision.

The "insurance" question should always be resolved first. For example, the amount of life insurance you need may be so large that the only way in which this needed amount of insurance can be afforded is through the purchase of term insurance with its lower premium.

If your ability (and willingness) to pay life insurance premiums is such that you can afford the desired amount of life insurance under either type of policy, it is then appropriate to consider the "financial" decision--which type of policy to buy. Important factors affecting the "financial" decision include your income tax bracket, whether the need for life insurance is short-term or long-term (e.g., 20 years or longer), and the rate of return on alternative investments possessing similar risk.

Worker's Compensation

2012-01-28T16:04:00.000-08:00

Workers’ Compensation coverage applies to bodily injury and diseases arising out of and in the course of employment. Any bodily injury must be accidental, and the term includes death resulting from the accident. Only occupational diseases, which are unique to the occupation, are covered. Medical benefitsIncome benefitsDeath benefitsRehabilitation benefits Our specialist, Melissa Koch can provide you with complete details on Workers’ Compensation Insurance and recommend cost-effective ways to control expenses through safety engineering and claim services.

Insuring Your Business Vehicles

2012-01-25T16:10:00.000-08:00

Business Auto coverage insures vehicles that are owned, leased, hired or borrowed by businesses, whether they are associations, corporations, partnerships or sole proprietorships. Business Auto coverage may be used to insure private passenger autos and all types of trucks, trailers, semitrailers and commercial vehicles designed for use on public roads. Contact Melissa Koch for more details about specific coverages and deductibles and about customizing a Business Auto plan right for you and your business.

What Is the Difference Between Flood Damage and Water Damage?

2012-01-23T14:14:00.000-08:00

Flooding refers to a large deposit of water around a home or building, or when the ground can't support the excess amount of water. At this point, the water will enter into a home or building and create damage. This is referred to as flood damage.On the other hand, water damage is usually caused by internal issues in a home or building, including, but not limited to toilet over-flows, burst pipes, water heater leaks, broken sprinkler heads, etc.The difference between flood and water damage to home and business owners', is who is responsible - financially and legally.Financially, your damage will potentially fall under your insurance company or the Federal Emergency Management Association (FEMA).FEMA covers homes and buildings in states that are in a "flood zone," or if the flood is in an area that is under a State of Emergency. However, you should always contact FEMA directly and never assume a damage will be covered; as with all government programs, the rules can change based on particular circumstances and policies differ from state to state.Insurance companies have a policy, which is basically a contract, with the home or business owner stating what will and will not be covered. Generally, insurance companies cover water damages, where the home or business owner could not prevent the hazard.Unfortunately, many policyholders are shocked when they learn that their claim has been denied when they sustain flood damage. They discover that the insurance company deemed the damage was the result of a "maintenance issue" (what the homeowner could control). Most home and business owners do not even know that there are maintenance issues required of them under their policy. According to the insurance industry, home and building owners are supposed to inspect basements and windows to determine potential leak and flood liabilities!The most important thing you can do is to carefully review your insurance policy so that you are not caught by surprise for any type of damage that may occur! As well, if you discover any type of water in your home or business, contact a restoration company immediately! The quicker the water is removed, the less damage and expense you will incur.As you have read, flood damage and water damage are actually two different situations. They may look the same or seem the same, but depending on who is paying are actually worlds apart in definition. If you have water issues in your home or business make sure you understand the situation before you begin.

Jeffrey Cohn SI Restoration Water Damage Company
IICRC certified Stericlean
Certified Hoarding Specialist 1-800-356-0484 410-458-5371 ( cell )Article Source: http://EzineArticles.com/?expert=Jeff_CohnArticle Source: http://EzineArticles.com/6723521

Teens and Prom Drunk Driving

2012-01-21T10:37:00.000-08:00

More teenagers die in alcohol related crashes during Prom season than any other time of the year. Etta Stewart lost her son Ryan on the night of his senior prom. She's now an active member of Mothers Against Drunk Driving. Mike Brownlee of the National Highway Traffic Safety Administration says teens are responsible for more fatal accidents than any other age group and that the numbers peak during prom season.For more information about insurance, go to the I.I.I. Web site at http://www.iii.org/

Open Your Personal Umbrella of Protection

2012-01-19T06:04:00.000-08:00

You don't have to be a millionaire to be sued like one. Million-dollar judgments against individuals for negligence are still relatively rare; however, receiving a lawsuit with a million-dollar demand is common. If you receive such a court summons and you have only $100,000 of coverage, you may lose a lot of sleep.

Umbrella policies offer inexpensive "peace of mind" for most types of negligence claims. Automobile accidents are probably the most common source of serious claims. A personal umbrella policy can give you added liability protection without a large added cost. This is additional liability coverage that goes above the limit of your homeowners, auto and water craft policies. It also covers other types of catastrophic claims, such as a neighbor's child drowning in your pool or the delivery man being seriously injured by falling over your child's toys.

Life Insurance and the Value of Life

2012-01-17T10:17:00.000-08:00

The hardest part to think about is putting price on our lives. The life insurance that you may have can provide that financial part taken care of, but how about the emotion part of it? Life insurance companies they have to deal with the other lawsuits and claims against wrongful deaths. In wrongful death situations, the surviving love ones and families have to deal with the economic, financial as well as the emotional devastation. Assigning the x amount of dollars in one person's life is like calculating the impossible.

It is almost unthinkable to put a dollar value to anyone's life. But forensic economists, the courts, and the government have the daunting task of doing just that. They are tasked to calculate and translate the amount of money the living has to receive as a compensation for a life cut short. Although it is always good to have life insurance just in case something happens but, in a wrongful death situations there a difference.

The mathematical calculations and system they use if you can comprehend is quite ghoulish kind of arithmetic. According to a New York Times article, "It's terribly distressing to anyone who gets involved with it" said Don Frankenfeld, a South Dakota forensic economist who helped determine compensation for September 11 victims. It's scary, ghoulish kind of arithmetic.

Insuring yourself as a person is quite different from victims of wrong death. You have a policy and coverage, whether it's term or whole or universal, your beneficiaries will definitely get what you paid for. The beneficiary receives policy proceeds upon the insureds demise. The owner designates the beneficiary, but the beneficiary is not a party to the policy. The owner can change behavior the beneficiary unless the policy has an irrevocable beneficiary designation.

The two types of life insurance are term insurance and permanent. The one that's right for you depends on bunch factors, including your budget, the amount of coverage you need, and the length of time you would like the coverage to last. Interest sensitive is the type that is fairly new, and is also known as either excess interest or current assumption a certain life.

There is always a correlation between an insured person and putting value on someone's livelihood and economic and financial way of living. For instance, you died on the September eleven tragedy, the courts, the forensic economists and the government is having a hard time calculating the amount of money to pay to these victims of the heinous and appalling disaster.

In some cases when they do the calculations for the fund pay outs, they almost always subtract any life insurance paid. The life insurance companies have already paid the insured's beneficiaries. Thus, in a wrongful case they will subtract your life insurance that is paid.

Article Source: http://EzineArticles.com/1335006

The Messenger Saves it Forward with Baggage Fees

2012-01-15T10:07:00.000-08:00

These folks just landed in Savingsville. Follow The Messenger's journey on Facebook: www.facebook.com/progressivemessenger

Avoiding Costly Insurance Mistakes

2012-01-13T15:30:00.000-08:00

Make A New Year's Resolution To Avoid Costly Insurance Mistakes And Save Money On Your Auto And Homeowners Insurance In 2012

Five Tips To Prevent You From Ending Up Dangerously Underinsured

January 4, 2012

FOR IMMEDIATE RELEASE

New York Press Office: (212) 346-5500; media@iii.org

NEW YORK, January 4, 2011 — Reducing expenses is a popular New Year’s resolution for many people. While there are smart ways to save on homeowners and auto insurance, making the wrong choices can result in being dangerously underinsured, according to the Insurance Information Institute (I.I.I.).

“There are simple steps you can take to cut the cost of your home and auto insurance while continuing to be financially protected against a catastrophe,” said Jeanne M. Salvatore, senior vice president and consumer spokesperson for the I.I.I.

Following are five insurance mistakes that consumers should avoid, along with practical suggestions for better ways to save:

1. Insuring a home for its real estate value instead of for the cost of rebuilding. With the real estate market in a slump and home prices down in many parts of the country, some homeowners may think they can reduce the amount of insurance on their home, too. But insurance is designed to cover the cost of rebuilding, not the sales price of your home. Make sure you have enough coverage to completely rebuild your home and replace all your belongings in the event of a disaster.

A better way to save: Raise your deductible. An increase from $500 to $1,000 could save up to 25 percent on your annual premium.

2. Selecting an insurance company by price alone. Do not just choose a company with competitive prices. It is a good idea to also make sure the company is financially sound and provides good customer service.

A better way to save: Check the financial health of a company with independent rating agencies and ask friends and family for recommendations. You should select an insurance company that has a reputation for excellent customer service and will respond to your needs and handle claims fairly and efficiently. .

3. Dropping flood insurance. Damage from flooding is not covered under standard homeowners and renters insurance policies. Coverage is available from the National Flood Insurance Program (NFIP) as well as from some private insurance companies. Many homeowners are unaware they are at risk for flooding, but in fact 25 percent of all flood losses occur in low risk areas.

A better way to save: Before purchasing a home check with the NFIP to see whether it is located in a flood zone. If so, consider buying a home in a less risky area. If you already own a home in a flood zone area, look at home mitigation efforts that can reduce your risk of flood damage and consider purchasing flood insurance.

4. Purchasing only the legally required amount of liability for your vehicle. In today’s litigious society, buying only the minimum amount of liability means you are likely to pay more out-of-pocket if you are sued—and those costs may be steep. The insurance industry and consumer groups generally recommend a minimum of $100,000 of bodily injury protection per person and $300,000 per accident.

A better way to save: Consider dropping collision and/or comprehensive coverage on older vehicles worth less than $1,000.

5. Neglecting to buy renters insurance. A renters insurance policy covers your possessions and additional living expenses if you have to move out of your home due to a disaster. Equally important, it provides liability protection in the event someone is injured in your home and decides to sue.

A better way to save: Look into multi-policy discounts. Buying several policies with the same insurer, such as renters, auto and life, will generally provide savings.

The I.I.I. website has consumer information on insurance, as well as more tips for saving money on homeowners and auto insurance.

RELATED LINKS

Video – Avoiding Insurance Mistakes: Five Tips

National Flood Insurance Problem – FloodSmart.gov

THE I.I.I. IS A NONPROFIT, COMMUNICATIONS ORGANIZATION SUPPORTED BY THE INSURANCE INDUSTRY.

Insurance Information Institute, 110 William Street, New York, NY 10038; (212) 346-5500; www.iii.org

Life Insurance Is Often Not Given The Priority It Deserves

2012-01-09T09:58:00.000-08:00

Fireplace Safety - Vacaville Fire Department

2012-01-07T10:19:00.000-08:00

Jill Childers, Fire Prevention Specialist with the Vacaville Fire Department,
discusses fireplace safety.

The Messenger Saves it Forward in Tampa - Extended Cut

2012-01-05T10:15:00.000-08:00

Saving it forward, one gas station at a time.
www.facebook.com/progressivemessenger Give Gateway Insurance a call for a quote!

12 Days of Firewise - Dispose of Fireplace Ashes Properly

2012-01-03T10:12:00.000-08:00

Firewise Northwest Regional Advisor Gary Marshall tells homeowners how to
properly dispose of ashes from the fireplace

Happy New Year From Gateway Insurance

2012-01-01T07:53:00.000-08:00

At Gateway Insurance, we want to thank you for your business and your interest in our products and services. We look forward to serving you in the coming New Year and wish you a happy, healthy and prosperous 2012.

Choosing an Independent Insurance Agent

2011-12-29T07:52:00.000-08:00

Choice—it's something we take for granted. An independent insurance agent is free to tailor solutions to fit you, your needs, and your life—to help you make the choices that are right for you.

Travelers Insurance -- New Bone (Dog Commercial)

2011-12-26T17:48:00.000-08:00

The Travelers dog has a special bone that is the envy of all the neighborhood dogs. Watch and see how thinking of others this holiday season can brighten one dog's day.

Merry Christmas From Gateway Insurance

2011-12-24T18:44:00.000-08:00

The Messenger Saves Christmas

2011-12-23T06:38:00.000-08:00

Give us a call to see how much you can save!

You Want Full Replacement Value For Your Home, Right?

2011-12-21T18:04:00.000-08:00

Ensure Full Replacement Value of Your Home

Rebuilding a home often costs more than what it took to build it originally, a fact that is surprising to most people. It’s important for your peace of mind to know you can replace your home in full if necessary.

To assure complete protection of your home, choose the coverage you need based on replacement, rather than original build, costs. There are subtle, extra expenses associated with rebuilding and they add up. You encounter most of them before you even drive the first nail.

Why does it cost more to rebuild a home? Consider these eight factors:

Temporary repairs – the first step in a rebuild. You may need to board up the home or have other temporary work done to secure it. This protects against further damage by the elements and by vandals. In severe losses, the home may need temporary electrical and heating. These are costs that you would not encounter when building a new home, but are often a necessary first step in a rebuild.

Demolition truths: it costs money to destroy something. A damaged structure often requires partial or complete demolition before rebuilding can occur. Removing and hauling away the debris can be costly. An older home can make these costs even higher. Plan your coverage accordingly.

Your first building permit does not cover your rebuild. You may not realize it, but a rebuild needs its own permit. Your insurance coverage should include this cost.

Engineers and architects – yes, you may need their services. Rebuilds typically require an engineer’s calculations to receive a new building permit. An architect’s rendering may be required in the event of a total loss. Engineers and architect fees can add 5 to 8 percent to the total cost of replacement.

Outdated code compliance can cost you. Many insurance policies have a provision to cover code-compliance upgrades – to a point. However, these upgrades can cost thousands of dollars when you consider electrical work, asbestos abatement, addition of tempered glass, etc. Particularly for older homes, this can be a critical issue. Make sure your coverage includes upgrades such as these.

Landscaping – the icing on the cake. Some insurance policies cover landscaping, however, often they cover only what was destroyed in the initial incident. The traffic of construction personnel and vehicles can wreck havoc on your lawn, shrubbery and flowers. The rebuild process can end up destroying any landscaping that survived the incident, and your coverage should be enough to cover it.

No price breaks. If one builder built your allotment, which is increasingly common today, the builder likely purchased construction materials and home fixtures in bulk. For a rebuild, the price-break opportunity is not there. You will now pay a premium for the same materials.

You have to have a good foundation. Though rarely destroyed as a direct result of a fire, foundations often need to be replaced due to “spawling.” This happens when moisture inside the concrete heats up and affects the integrity as well as the aesthetics. It is not unusual for an engineer to call for the full replacement of a home’s foundation following a large fire.

The items listed above can easily add 20 to 30 percent to the cost of rebuilding a home – even more, depending on the age and condition of the home. Make sure your home is adequately covered. You will rest easier knowing you and your family can return to your home and enjoy the life you have built, having obtained true full-replacement value for your biggest investment.

Material provided by Kemper. Ask your agent about a Kemper Homeowners policy today.

What The Know About Flooded Areas

2011-12-18T11:30:00.000-08:00

The following precautions are suggestions that residents in flooded areas may want to implement:

Confirm the water supply is safe to drink. Listen for news reports to learn whether the community’s water supply has been contaminated by the floodwaters. Remember to carry bottled drinking water and discard any food products that may have come in contact with floodwater.
Wear protective clothing. Protect yourself during cleanup by wearing boots, gloves and masks. Clean and disinfect everything floodwater contacted.
Ventilate your home. Open all doors and windows to allow air to circulate and dry out your home. Dehumidify as soon as possible after a flood.
Service damaged septic tanks, cesspools, pit and leaching systems as soon as possible. Damaged sewage systems are serious health hazards.
Make a list of lost or damaged items. Be sure to include their age and value, and if possible, have receipts for those items available.
Prevent mold growth. Wash all surface areas in the house that came in contact with floodwater. Disinfect and wipe surfaces dry with paper towels to minimize bacterial contamination.
Isolate any moldy objects. Seal moldy trash in plastic bags and remove them immediately. Objects you can save should be dried or frozen as soon as possible. Freezing inactivates mold.

For more tips on cleaning up and keeping your family safe, visit www.fema.gov/hazard/flood/, www.minnesotarecovers.org or the CDC’s flood website at www.bt.cdc.gov/disasters/floods/.
FEMA coordinates the Federal government's role in preparing for, preventing, mitigating the effects of, responding to, and recovering from all domestic disasters, whether natural or man-made, including acts of safe.

The Messenger Saves it Forward with Free Parking

2011-12-16T21:58:00.000-08:00

Renters Insurance Is Important

2011-12-14T10:30:00.000-08:00

Renters Insurance

Suppose you came home from work to find your apartment or home broken into and your new plasma TV stolen. Or suppose there was a fire in your kitchen. You can’t assume your landlord will pay for the damage.

With renters insurance, you’ll be able to replace what’s damaged or stolen. It covers your possessions against losses from fire or smoke, lightning, vandalism, theft, explosion, windstorm and water damage from plumbing. However, renters insurance does not cover floods, earthquakes or routine wear and tear. Separate policies are available for this coverage.

Renters Insurance will cover loss of use, including increases in living expenses due to fire or other insured losses. If you cannot live in your home due to damage from one of the perils mentioned above, your policy will pay for your temporary lodging away from home while repairs are under way.

Liability coverage protects you from injuries or damages to others caused by you, a member of your family, or pet. Medical payments insurance covers medical expenses to non-family members injured at your home.

Cash Value or Replacement Cost

There are two types of renters policies. Cash value coverage takes into account the age and condition of items at the time of damage or loss. You would be reimbursed for the value of the item minus depreciation. Replacement value pays the cost of buying an item of similar kind or quality today. The price of replacement cost coverage is about 10 percent more but is well worth the extra cost.

Decide How Much Insurance You Need

Add up the cost of everything you would want to replace if it were damaged or stolen. This could also serve as the basis for an inventory that will make filing a claim easier. For an inventory, also record model numbers, dates and places of purchase. Take photographs or make a video of these items and place a copy of the inventory in a safe place away from your home.

More About Motorhome Insurance

2011-12-12T11:00:00.000-08:00

Most insurance policies provide the following additional coverages, specifically for your 'home on wheels':

Total Loss Replacement – This coverage replaces a "totaled" RV with a new model of similar make and quality.

Replacement Cost Personal Effects – There are many valuable items kept in our '"home away from home," this coverage pays for the replacement of personal items in your RV that resulted from a covered loss, including cameras, cell phones, clothes, etc.

Full Timer's Package - This is an extra coverage for customers who use an RV as their home.

Vacation Liability – When you're parked at your vacation site, you may be liable for the surrounding area. This coverage pays for any Bodily Injury and Property Damage losses that could occur.

Emergency Vacation Expense – If your RV is damaged while you're on the road, this coverage will pay for hotel and transportation expenses due to a covered loss.

24-Hour Roadside Assistance - Assistance for disabled vehicles, and we'll be sure to send a tow truck that can handle the size of your RV.

Insurance For Your Motorhome

2011-12-10T23:00:00.000-08:00

Motorhome Insurance

Auto Insurance vs. RV Insurance: know the difference!

RVs and motorhomes are a significant investment and should not be overlooked. It's important to protect your vehicles, as well as yourself from situations on the road. The Gateway Insurance team can help you select the best and most affordable coverage for motorized recreational vehicles and towable RVs, including:

•Conventional travel trailers,

•Fifth-wheel travel trailers,

•Folding camper trailers,

•Truck campers,

•Type A motorhomes,

•Type B (van campers),

•Type C motorhomes (mini motor homes), and

•Sport utility recreational vehicles.

Insurance Coverage For Classic and Antique Cars

2011-12-08T17:38:00.000-08:00

Classic/Antique Cars

Our team at Gateway Insurance understands the amount of time and money you've invested in your classic or antique vehicle or hot rod. With this investment of time and money comes a special kind of coverage for all those custom parts and pieces. We know not all classic or modified cars are used the same. We will work with you to select the most appropriate policy to accommodate coverage needs, miles driven, vehicle age, and vehicle modifications to make sure you have the best policy to meet your needs.

Policy Feature Definitions

•Restricted Use means you drive your collector car a low number of annual miles. This is type of program for individuals that have other daily use vehicles, but like to drive their collector car on weekends tours, leisurely fall trips, and special events. The insurance rates would be lower to reflect the vehicle's limited use.

•Regular Use means you drive your collector car daily, and you may or may not have other regular use vehicles.

•Agreed Value is automatically provided for your collector car which means you're covered to the insured value, less your deductible, in the event of a total loss.

•Deductible Options means you have a choice of selecting higher deductibles to save additional money on your premium.

•Winter Storage means you can reduce your coverage to Comprehensive only if you store (not drive) your vehicle during the winter months.

•Garaging means your collector car must be stored in a fully enclosed, locking garage.

•Collections means we will insure your entire collection whether it's just one car or 10 or more cars. Your satisfaction is important to us, so we will work with you to make it fit just right.

With the Holidays Comes the Rain. Think About Water.

2011-12-06T08:11:00.000-08:00

With the Holidays Comes the Rain, Think About Water...

Think your home, condo or business insurance policy covers flood damage? Think again!

Two Types of "Water Damage"

A standard home insurance policy will cover losses caused by water that accumulates in the home resulting from the accidental discharge of a system of appliance, such as a broken hose or valve. That same policy will not cover losses caused by water that accumulates as a result of the overflow of a body of water or runoff of surface water.

Common Causes of Flood

Floods often result from torrential rainstorms and hurricanes. Floods also commonly result from snow melt. Floods also result as a side effect of development- such as road construction or a new housing community- that alter storm water drainage patterns.

Read more at National Flood Insurance Program

Source: http://www.floodsmart.gov/

Party Host Liability Tips

2011-12-04T08:15:00.000-08:00

In the midst of the festive and hectic holiday atmosphere, it is easy to forget the serious responsibility involved with hosting a party at your home or business. In many states, individuals and employers hosting holiday parties can be held liable in cases where a guest or third party is injured in an accident related to alcohol consumption at your event. Hosts have been held responsible for medical bills, vehicle repair costs, lost time from work, and even wrongful death.

Trusted Choice® independent insurance agents recommend that those planning to host holiday parties this year review their homeowners, renters or comprehensive general liability (CGL) insurance policy and ensure they have adequate liability coverage if sued and found liable for the actions of a guest who drank at their home or business. While all holiday party-goers and hosts alike should be responsible and know their limits, consumers need to acknowledge that most risks cannot be eliminated entirely. But planning ahead and learning about what's involved in hosting a reception is the best defense.

Liability Coverage Tips:

If hosting a holiday party, individuals should look to the liability portion of their homeowners or renters insurance policy to provide them protection if they are sued and found liable for an accident involving a guest who drank at their home.
Employers need to make sure that their comprehensive general liability (CGL) policy provides them coverage for third-party liquor liability through a special purchase a separate liquor liability policy before hosting that holiday office party.
Charging employees for alcoholic beverages in the home or office may not always be the best solution for business parties. It is important for businesses to remember that once they charge a fee for alcohol, they have technically entered the alcohol sales business, even if only for one night. That carries with it requirements for a liquor license and an array of special liability protection needs. It by no means lets these employers off the hook."
Purchasing a personal "umbrella" liability policy can provide $1 million or more in additional coverage over the limit offered by a standard homeowners or renters policy may be a prudent move for the frequent party host. This type of coverage can cost as little as $125 a year.

Party Host Safety Tips:

Limit guest list to those you know.
Provide filling food for guests and alternative non-alcoholic beverages.
Schedule activities or entertainment not involving alcohol. If the party centers around drinking, it is likely that guests will drink more.
Arrange transportation or overnight accommodations for those who should not drive home.
Stop serving alcohol well before the time the party is to end.
Do not serve guests who are visibly intoxicated.
Review your insurance policy with your Trusted Choice® independent insurance agent before the event to ensure proper liability coverage.
Consider hiring an off-duty police officer to discretely monitor guests' sobriety or handle any alcohol-related problems as guests leave.
Stay alert yourself, always remembering your responsibilities as a host.

Cathy Spencer of Gateway Insurance Honored with Award of Excellence by Safeco Insurance®

2011-12-02T07:45:00.000-08:00

Award of Excellence

December 2, 2011, Vacaville CA--Cathy Spencer of Gateway Insurance has been Honored with Award of Excellence by Safeco Insurance® for the second year in a row.

“Our independent insurance agency works hard to serve our customers by getting the right coverage for the right price,” said Cathy Spencer of Gateway Insurance in Vacaville. “It’s an honor to be recognized by Safeco as one of its top agency partners.”

The Award of Excellence celebrates outstanding agents with superior underwriting skills who have developed a solid underwriting partnership with Safeco and whose agencies have qualified for membership in Safeco’s H.K. Dent Society, the company’s elite agency recognition program.

“The Award of Excellence designation is the most prestigious underwriting recognition agents who partner with Safeco can achieve,” said Debbie Akers, vice president for Safeco’s underwriting field operations. “Safeco is proud to honor these best-in-class agents for their long-term loyalty with our company and their outstanding underwriting abilities that serve both their customers and Safeco.”

About Gateway Professional Insurance Services

Since 1983, Gateway Professional Insurance Services has represented the most respected Insurance Companies in America. As an Independent Insurance Agency, the staff of 9 full time licensed agents is able to meet the most comprehensive insurance needs of our customers. We help you assess your needs and manage potential risks to offer you a variety of affordable insurance products to choose from.

The Gateway Insurance family lives and works in the communities it serves and feels a responsibility to give back when it can. We are proud to have been chosen as “Business of the Year 2006-2007” by the Vacaville Chamber of Commerce and honored with the Spirit of Solano Award from WestAmerica Bank Corporation.

About Safeco Insurance

In business since 1923 and based in Seattle, Washington, Safeco sells insurance to drivers and homeowners through a network of independent agents and brokers in eight regions throughout the United States.

Safeco is part of Liberty Mutual Agency Corporation, a strategic business unit of Liberty Mutual Group, consisting of property and casualty and specialty insurance carriers that distribute their products and services primarily through independent agents and brokers. Liberty Mutual Group ranks 82nd on the Fortune 100 list of the largest U.S. corporations based on 2010 revenue. The company has financial strength ratings of A (Excellent) from the A.M. Best Company, A2 (Good) from Moody’s Investors Service, and A- (Strong) from Standard & Poor’s.

Earthquake Weather?

2011-11-28T08:30:00.000-08:00

Earthquake Insurance There is no such thing as “earthquake weather.” Earthquakes do not happen at a certain time of day, year, month or century. As Californians, we live with hundreds of active faults crisscrossing our state, and so we live with the possibility that our homes could be seriously damaged or destroyed without warning.

If the shelter and protection your home provides is compromised even temporarily in the aftermath of an earthquake, your day to day living expenses will mount. It could take years to recover financially from the debt an earthquake could cause.

Earthquake insurance is designed to repair earthquake damage to your home and replace personal property that is damaged or destroyed by an earthquake. An earthquake policy can pay your living expenses if you are unable to live in your home after an earthquake or help pay for emergency repairs to prevent further damage.

One Size Does NOT Fit All

2011-11-26T07:30:00.000-08:00

At Gateway Insurance, we don't believe in one size fits all.

Insurance is an important safety net for your family, home, car, business and retirement which is why we represent more than one Insurance Company. We match YOU with the company that will provide YOU with the best policy at the best price.

You'll find one-stop shopping for a full range of products from your personal agent and a company you can trust.

Call (707) 446-9864 or get a quote today

Happy Thanksgiving!

2011-11-23T20:00:00.000-08:00

Happy Thanksgiving

From All Of Us

At Gateway Insurance

The Messenger Visits a Tollbooth

2011-11-20T22:45:00.000-08:00

The Messenger helps people like you save time, hassle and, most importantly, money.

Call us at Gateway for a quote from Progressive!

Five Ways to Save Money on Auto Insurance

2011-11-18T07:30:00.000-08:00

This video is from the Insurance Information Institute. For more information about insurance, go to the I.I.I. Website at http://www.iii.org/

We Handle Many Lines of Auto Insurance

2011-11-16T08:00:00.000-08:00

Auto Insurance

Automobile insurance is simply a contract that helps pay for certain types of financial losses or obligations resulting from the use or ownership of an automobile. To obtain this contract (insurance policy), you pay a specified amount of money called a premium. In return for the premium paid, the insurance company agrees to pay certain expenses and legal liabilities depending on the terms of the insurance policy. Having the right insurance coverage may prevent you from suffering a large financial loss in the event of an automobile accident

Teensurance by Safeco

2011-11-12T14:50:00.000-08:00

Teensurance, powered by Safeco

Teensurance is a completely new kind of package that gives parents a way to determine how their teen is driving. It offers parents a comprehensive set of online tools to encourage young drivers to drive responsibly-- the system can notify parents when a driver exceeds a pre-set speed limit, for example. And the program includes roadside assistance to deliver help for teens when they need it. Teensurance gives parents some tangible assurance about how their teen is driving, which can make it easier for them to hand over the keys.

Here are a few things parents and teens can do with Teensurance:

• Track a car's location online, in real time

• Have a car door remotely unlocked, in seconds, by making a phone call and entering your primary phone number and PIN (power door locks required)

• Set speed alerts

• Set a driving curfew

• Set "safe driving zones" to create geographic boundaries for new drivers

• Access roadside assistance, 24/7, in case of car trouble

We Also Have Apartment Building Policies

2011-11-09T15:00:00.000-08:00

Apartment Building Owners

Our Apartment Building Owners policies offer an affordable way for you to obtain property and liability insurance. These policies include key coverages important to any business, but also offer additional business-specific options that are important for any apartment building owner.

Apartment owners can face severe financial consequences from a property loss by fire, wind or other natural causes. They also face potential losses from liability claims associated with swimming pools and spas, saunas, playground equipment, sponsored events, parking areas, advertising and more.

Contact our in-house expert Melissa Koch for a quote or more information!

Homeowners Insurance

2011-11-06T09:40:00.000-08:00

For most people a home is their single biggest investment. Here’s how you can get the best insurance to protect it.

It takes two people to get the best homeowners insurance coverage. You and your Agent. The options you choose and the information you provide will have a direct impact on your insurance.

Here are a few things to think about and discuss with your agent:

Your insurance company's level of service and record of paying claims.

Discounts for insuring your cars and home with one company.

Lowering premiums with higher deductibles.

Determining accurate costs to rebuild your house and replace your belongings.

Saving money with a monitored security system and fire resistance features.

When you buy home insurance you should know what you’re getting. Here are some explanations of common insurance coverage terms.

Protect Your Home:

Property or Dwelling. This typically pays to repair or rebuild your home if it’s damaged or destroyed by an insured event like a kitchen fire or windstorm.

Protect yourself and others:

Personal Liability. This applies if someone is injured or property is damaged and you are to blame.

Medical. This covers medical expenses for guests if they are injured on your property, and in certain cases covers people who are injured off of your property.

Additional Living Expenses. If you can’t live in your home because of a covered loss, most insurance companies will pay additional living expenses while your home is repaired or rebuilt.

Protect your belongings:

Personal Property. Your home is filled with furniture, clothes, sports equipment and other items that mean a lot to you. This coverage helps replace these items if they are lost, stolen or destroyed as a result of a covered loss.

Scheduled Personal Property. If you have special possessions such as jewelry, art, antiques or collectibles you should talk to your agent about this additional coverage.

Want a no charge quote? Give us a call at 707-446-9864.

Motorcycle Insurance

2011-11-04T09:25:00.000-07:00

Motorcycle Insurance

Broad Eligibility

There are many different types of motorcycles on the road today; strong American brands, high-class imports, performance sport bikes, trikes, custom cruisers and restored classics.

What to Look For in a Motorcycle Insurance Policy

If you think your motorcycle is adequately covered when you add it through an endorsement on your automobile policy, chances are you're mistaken...a lesson that you don't want to learn first-hand come claim time. You need an insurance policy that offers the coverages that are important to your specific bike and lifestyle.

Important Coverages

For real peace of mind as you travel the highways and byways, you need a policy that provides a wide range of coverages.

These should include:

• Collision Coverage

• Other Than Collision Coverage

• Liability Coverage

• Medical Payments Coverage

• Safety Apparel Coverage

• Optional Equipment Coverage

Optional Coverages

For extra coverage on the open road, and because not everyone's needs are the same, here are some things to look for when choosing a specialized insurance policy for your motorcycle:

• Increased limits on Liability

• Uninsured/Underinsured Motorist Coverage

• Increased limits on Optional Equipment Coverage

• Safety Apparel Coverage to protect your investment in helmets, leathers, gloves and any other clothing designed to minimize injury in the event of an accident

• Optional Equipment Coverage for chroming, custom painting, side cars or anything else that was not included as standard by the manufacturer

• Optional Towing and Roadside Assistance in case your bikes breaks down and can't be ridden when you're away from home because you run out of gas, get a flat, or have other mechanical issues

• Flexible payment plans so you can choose the plan that best fits your budget

• Deductible and coverage limit options

• Premium discounts

Life Insurance

2011-11-02T09:22:00.000-07:00

Life insurance is a crucial step in planning for your family’s future. It can fulfill promises and obligations to your family if you are no longer living.

The death benefit is income-tax free and can be used to cover funeral expenses, repay debt, provide education, pay estate taxes or any other expenses your survivors may incur.

Life insurance may also be used to help ensure that a family business will pass to your intended survivor. There are also benefits to certain types of life insurance plans during your lifetime.

• How much life insurance should an individual own?

• What about purchasing life insurance on a spouse and on children?

• Should term insurance or cash value life insurance be purchased?

• How does mortgage protection term insurance differ from other types of term life insurance?

• Can an existing life insurance policy be used to provide for the repayment of an outstanding mortgage loan?

• Is credit life insurance a good buy?

Get a quote here: Free Quote

Rebuilding a Dream - Travelers Insurance

2011-10-31T07:00:00.000-07:00

When Oklahoma customers Gene and Barbara learned their vacation home had burned to the ground, they needed help rebuilding their retirement dreams. The Travelers team's swift and thorough response helped Gene and Barbara start the rebuilding process in no time.

Don't Forget About Renters Insurance

2011-10-29T08:30:00.000-07:00

Business Auto Insurance

2011-10-27T07:40:00.000-07:00

Business Auto coverage insures vehicles that are owned, leased, hired or borrowed by businesses, whether they are associations, corporations, partnerships or sole proprietorships. Business Auto coverage may be used to insure private passenger autos and all types of trucks, trailers, semitrailers and commercial vehicles designed for use on public roads.

Contact Melissa Koch at 707-446-9864 for more details about specific coverages and deductibles and about customizing a Business Auto plan right for you and your business.

Chamber of Commerce Members

2011-10-25T23:37:00.000-07:00

Chamber Members

Vacaville and Fairfield Chamber Members may qualify for up to a 10% discount with Western Health Advantage. Contact Clara Oakes at 707-446-9864 today for a quote or more information!

Preventing Losses with Regular Home Maintenance

2011-10-23T20:20:00.000-07:00

Regular home maintenance is the best way to prevent losses. Replace loose shingles, clean your gutters and make sure they are secure so that they drain properly, make sure your downspouts are draining water away from your house. Jeanne Salvatore of the Insurance Information Institute says properly maintaining your home to prevent losses is your responsibility. Inside your house, check the hoses to your washer and dishwasher. These hoses should be replaced every five years. Make sure drains in your basement are clear of lint or other obstructions, a common cause of basement flooding. The Insurance Information Institute offers tips to protect your home and prevent costly losses.

Burglary Prevention

2011-10-21T09:00:00.000-07:00

In today's ever-changing world, it's never been more important to consider your family's safety.

Why choose an independent insurance agent - Travelers Insurance

2011-10-19T08:34:00.000-07:00

http://www.travelers.com/findagent - You get to make your own choices in life, so why should you limit yourself when protecting what's important to you. An independent insurance agent can help you make the choices that are right for you. Gateway Insurance is your local agent for all your insurance needs.

Texting and Driving

2011-10-17T06:15:00.000-07:00

Most people have no idea how distracted we are when we use mobile phones while driving.

At Your Service Since 1983

2011-10-15T16:01:00.000-07:00

Since 1983, Gateway Professional Insurance Services has represented the most respected Insurance Companies in America. As an Independent Insurance Agency, the staff of 9 full time licensed agents is able to meet the most comprehensive insurance needs of our customers. We help you assess your needs and manage potential risks to offer you a variety of affordable insurance products to choose from.

The Gateway Insurance family lives and works in the communities it serves and feels a responsibility to give back when it can. We are proud to have been chosen as “Business of the Year 2006-2007” by the Vacaville Chamber of Commerce and honored with the Spirit of Solano Award from WestAmerica Bank Corporation.

Dryer causes fire in Vacaville home

2011-10-13T04:05:00.000-07:00

This is fire prevention week and I thought I would take a moment to remind you that appliance fires are real. There is an article in today's Vacaville Reporter with a story about a home fire that appears to have started in the dryer. The lint trap in your dryer, if overfull, can ignite and cause fire damage to your home.

Be careful! Take a moment to empty that lint trap every time you load the dryer!

Don't hesitate to contact us at Gateway Insurance for any of your insurance needs: home, auto, boat, business. 707-446-9864

Are you prepared in Vacaville?

2011-10-11T12:03:00.000-07:00

The Great California ShakeOut earthquake drill has amassed over 8 million participants, according to its organizers.

The event, set for Oct. 20 at 10:20 a.m., has surpassed the 2010 record of 7.9 million registrants, organizers said.

“This is now officially the largest earthquake preparedness drill ever,” California Emergency Management Agency spokeswoman Kate Long said in a statement.

On the day of the drill participants are asked to “drop, cover and hold on,” which the organizers say is the appropriate action to reduce injury and death during earthquakes

The Great California ShakeOut earthquake drill is an annual event produced by the Earthquake Country Alliance, the Southern California Earthquake Center, Cal EMA, FEMA, U.S. Geological Survey, American Red Cross, and the California Earthquake Authority.

Choosing an Independent Insurance Agent - Travelers Insurance

2011-10-08T12:11:00.000-07:00

Choice—it's something we take for granted. An independent insurance agent is free to tailor solutions to fit you, your needs, and your life—to help you make the choices that are right for you.

You can choose us!

Preparedness Now, The Great California Shakeout

2011-10-05T18:59:00.000-07:00

A film depiction of the USGS ShakeOut Earthquake Scenario by Art Center College of Design alumnus, Theo Alexopoulos. Adapted for The Great California ShakeOut

Selecting a Contractor

2011-10-02T08:00:00.000-07:00

Choosing a contractor to repair damage to your home can be one of the most important decisions you make as a homeowner. While most contractors are honest, a few may try to take advantage of you in your moment of need. We want you to have a good experience with the contractor you choose. That's why Travelers believes it's important to educate you about what to look for when hiring a contractor. To learn more, visit travelers.com/claim. Good luck with your project!

Short Term extension funds NFIP until October 4th.

2011-09-30T10:52:00.000-07:00

The House of Representatives passed a short term funding bill that will prevent a shutdown of the federal government and continue funding for the National Flood Insurance Program (NFIP) until Tuesday Oct. 4. When they return from recess Congress has the option to consider short term extension slated to continue funding until Nov. 18, 2011, according to the Federal Alert published by PCI.

The effort prevents the lapse of the NFIP scheduled by the last short term extension to be today, Sept. 30, 2011.

Homebuyers cannot close escrow on a home where flood insurance is required if NFIP shutsdown.

For more information, call us at Gateway Insurance, Vacaville. 707-446-9864

The Changing Face of Risk: Part 3

2011-09-30T07:30:00.000-07:00

Insights from leading risk managers on a variety of important insurance issues

The Changing Face of Risk: Part 2

2011-09-28T09:00:00.000-07:00

Insights from leading risk managers on a variety of important insurance issues.

The Changing Face of Risk: Part 1

2011-09-26T07:30:00.000-07:00

Insights from leading risk managers on a variety of important insurance issues.

Defending a Good Reputation - Travelers Insurance

2011-09-25T06:52:00.000-07:00

When New Jersey business owner Andrew found out his business was targeted by a lawsuit, he needed help standing up for what he knew was right. Because our representative took the time to listen, understand the facts, and mount an aggressive defense, Andrew was vindicated by a jury of his peers.

Travelers Insurance is one of many quality insurance companies with represent in the best interests of our clients. Call Gateway Insurance at 707-446-9864 to get a quote on coverage for your business or personal needs today.

Cathy Spencer Talks About Insurance

2011-09-24T16:33:00.001-07:00

Congrats to our latest iPad Winner - Suzanne Hernreid

2011-09-08T20:13:00.000-07:00

Could flood damaged cars be coming to your market soon?

2011-09-07T11:33:00.000-07:00

While Hurricane Irene left behind flooded towns, cities and communities, the National Insurance Crime Bureau (NICB) want to warn drivers that a flood of fraud schemes may well be the next wave. Following Katrina, flooded cars were dumped on the market after some cosmetic repairs in an attempt to sell them for a quick profit.

NICB provides drivers with a number of tips on how to avoid buying a washed-up vehicle.

Among those tips are:

Choose a reputable car dealer.
Inspect the vehicle for water stains, mildew, sand, and silt under the carpets, floor mats, headliner cloth and behind the dashboard.
Check for recently shampooed carpet.
For more tips go to the NICB website. NICB also runs a toll-free fraud hotline at 1-800-835-6422.

Water Damage to your Home

2011-08-23T17:05:00.000-07:00

You cannot understand how much damage water can do to your home until it happens to you! A broken water supply line to your toilet that goes unchecked while you are away for a few days can cause more than $100,000 in damage to your home. We are not even talking your personal property damage yet. Imagine a two story house and all the carpeting, drywall and insulation that water goes through before it even reaches the bottom floor.

If you are reading this and you havent changed the supply lines on your toilets and they are at least 10 years old, schedule to do it this weekend. check your washer hose, under your sinks and the dishwasher water supply line. Check all water supply lines and look at that hot water heater while you are at it. Water damage is devastating. Prevent it today!

Call Gateway Insurance in Vacaville for all of your insurance needs: home, auto, RV, motorcycle, business and health insurance at your service!

Suzanne Hernreid wins iPad from Gateway Insurance

2011-08-16T16:13:00.000-07:00

Suzanne Hernreid won the iPAd referral contest from Gateway Insurance! Suzanne's name was drawn on August 4, 2011. Thank you everyone for all of your referrals, we truly appreciate your confidence in our services. Don't stop referring now, you never know when another contest will pop up.

iPad Referral contest

2011-07-26T17:17:00.000-07:00

Susanna Ledesma is our car wash coupon winner in the referral contest from last week. She referred her co-worker to Gateway Insurance for a quote for business insurance. If the quote turns into a policy, Susanna will be put in the drawing for the iPad. You still have until the end of this month to get in the drawing! Hurry! We can quote, auto, home, renters, business, life, health or dental insurance. A policy purchased qualifies you for entry into the iPad contest. every week we draw a referral winner for the car wash.

Go to our website to get all the contest details now! www.gatewayinsurance.com

Insurance quote iPad referral program closing

2011-07-12T17:49:00.000-07:00

You still have until July 31st, 2011 to refer your friends and family to Gateway Insurance in Vacaville to get your chance to win the iPad. If your referral places their Insurance with us, your name will be entered in the drawing to be held at the end of July. We can quote home, auto, boat, motorcycle, RV, business and life insurance.

Home Insurance quote nets car wash winner

2011-07-01T11:37:00.000-07:00

The iPad referral contest is still on at Gateway Insurance in Vacaville. Robin Bjork referred his daughter for a Home Insurance quote and he was chosen to receive the weekly free car wash coupon.

We still have a month to go. Call us now to refer friends and family for auto, home, boat, life, motorcycle, RV and business insurance quotes. You will be entered into the iPad referral contest for every quote we do. Weekly we draw a car wash recipient. your name is entered into the iPad referral contest for every policy we sell that you referred to us. Simple! Call and refer someone today!

Cathy's Insurance Insight: Insurance Quote referral nets movie tickets

2011-06-27T15:25:00.000-07:00

Cathy's Insurance Insight: Insurance Quote referral nets movie tickets: "Amy Giaquinto sent us a referal for home and auto Insurance quotes last week and her name was pulled to receive a free car wash coupon. Amy..."

Insurance Quote referral nets movie tickets

2011-06-27T15:14:00.001-07:00

Amy Giaquinto sent us a referal for home and auto Insurance quotes last week and her name was pulled to receive a free car wash coupon. Amy will be entered in our Ipad drawing for every policy we issue to her referral. See all the details on our website www.gatewayinsurance.com

Home Insurance quote nets a free car wash

2011-06-20T11:02:00.000-07:00

Kyra Lenert will receive a car wash coupon for referring a friend for a HomeInsurance quote. Thank you for the referral Kyra! The iPad contest is still underway so let us give a quote to your family or friends and get entered to win an iPad.

Vacaville Boys and Girls Club

2011-06-13T10:22:00.000-07:00

Gateway Insurance was able to donate $100 to the Vacaville Boys and Girls Club this week. We hosted hole #17 with Margaritas for the thirsty players at the tournament in May, and for every Insurance quote we did, we donated $10. It's not too late for us to quote and donate more! Just call 446-9864, ask us to give you a quote for home, auto, life or business insurance and we'll send the $10 donation to the Boys and girls club.

Home prices in Solano County are down but Insurance Prices are up!

2011-06-09T14:56:00.000-07:00

It's no secret, your home value is probably half of what it was five years ago, but you may wonder why your insurance premium is still going up. The cost to rebuild and/or repair your home, supplies, labor, etc. have not gone down, according to industry experts. These components are what insurance premiums are based on. In fact, insurance premiums will only take the structure and liability exposure into consideration-which maybe ticking upwards based on a rise in catastrophies predicted.

The price of homeowners' insurance is based on the cost to repair and/or rebuild your home. The price of a home is based on the market value of that home and the land upon which it sits. Even though the recession has been hard on the construction industry, it still hasn't caused a major decrease in materials and labor costs.

In this crazy upside down market we've been in, some say it's even possible for the cost to rebuild your home to be actually more than the resale price.

Replacement Value of Your Home

2011-06-07T12:34:00.000-07:00

Ensure Full Replacement Value of Your Home

Rebuilding a home often costs more than what it took to build it originally, a fact that is surprising to most people. It’s important for your peace of mind to know you can replace your home in full if necessary.

To assure complete protection of your home, choose the coverage you need based on replacement, rather than original build, costs. There are subtle, extra expenses associated with rebuilding and they add up. You encounter most of them before you even drive the first nail.

Why does it cost more to rebuild a home? Consider these eight factors:

Temporary repairs – the first step in a rebuild. You may need to board up the home or have other temporary work done to secure it. This protects against further damage by the elements and by vandals. In severe losses, the home may need temporary electrical and heating. These are costs that you would not encounter when building a new home, but are often a necessary first step in a rebuild.

Demolition truths: it costs money to destroy something. A damaged structure often requires partial or complete demolition before rebuilding can occur. Removing and hauling away the debris can be costly. An older home can make these costs even higher. Plan your coverage accordingly.

Your first building permit does not cover your rebuild. You may not realize it, but a rebuild needs its own permit. Your insurance coverage should include this cost.

Engineers and architects – yes, you may need their services. Rebuilds typically require an engineer’s calculations to receive a new building permit. An architect’s rendering may be required in the event of a total loss. Engineers and architect fees can add 5 to 8 percent to the total cost of replacement.

Outdated code compliance can cost you. Many insurance policies have a provision to cover code-compliance upgrades – to a point. However, these upgrades can cost thousands of dollars when you consider electrical work, asbestos abatement, addition of tempered glass, etc. Particularly for older homes, this can be a critical issue. Make sure your coverage includes upgrades such as these.

Landscaping – the icing on the cake. Some insurance policies cover landscaping, however, often they cover only what was destroyed in the initial incident. The traffic of construction personnel and vehicles can wreck havoc on your lawn, shrubbery and flowers. The rebuild process can end up destroying any landscaping that survived the incident, and your coverage should be enough to cover it.

No price breaks. If one builder built your allotment, which is increasingly common today, the builder likely purchased construction materials and home fixtures in bulk. For a rebuild, the price-break opportunity is not there. You will now pay a premium for the same materials.

You have to have a good foundation. Though rarely destroyed as a direct result of a fire, foundations often need to be replaced due to “spawling.” This happens when moisture inside the concrete heats up and affects the integrity as well as the aesthetics. It is not unusual for an engineer to call for the full replacement of a home’s foundation following a large fire.

The items listed above can easily add 20 to 30 percent to the cost of rebuilding a home – even more, depending on the age and condition of the home. Make sure your home is adequately covered. You will rest easier knowing you and your family can return to your home and enjoy the life you have built, having obtained true full-replacement value for your biggest investment.

Material provided by Kemper. Ask your agent about a Kemper Homeowners policy today.

Gateway Insurance's IPad Referral Contest is still going!

2011-06-06T10:59:00.000-07:00

Tom Rapisarda is our winner this week for referring Brandon Kline.

Gateway Insurance's IPad Referral Contest is still going! Here's how it works...You refer your friends and family to the team at Gateway Insurance by emailing their name, phone number and email address to http://quote@gatewayinsurance.com or you can call your favorite Gateway Agent at 707-446-9864.
For every referral you send that results in a quote, your name is entered into the weekly drawing for a free car wash at 7 Flags Car Wash. If that quote results in an active insurance policy, your name will be entered into the iPad drawing (a 16GB wi-fi), which will take place on August 1, 2011. There is no limit to the number of times your name can be entered or drawn, so keep 'em coming.

Call us with any questions (707) 446-9864. Weekly winners will be posted here on our blog and contacted via phone or email. Keep watching to see who wins!

24/7/365 Claims Service @ Gateway Insurance

2011-06-02T15:25:00.000-07:00

We just added a page to our website: www.gatewayinsurance.com where you can file a claim with your Insurance Company any time of the day or night!

Just click on your Insurance Company and you'll be able to file the claim immediately. All the claim pages have an 800# to talk with someone directly or you may fill in the blanks and send the claim electronically and the company will contact you. I hope you won't have to use the service but I want you to know you have it!

Our commercial clients will have the ability to do this as well by the end of next week.

We hope this adds value to our service and look forward to hearing any suggestions from you on how we can provide exceptional service to you!

Referral Contest Winners

2011-04-21T11:16:00.001-07:00

The referral contest has been under way for a few weeks and we have given away a free car wash so far to Rick Mace, Andrew Jinnett, Alina Gomez, Karen Gohick and Johnnie & Maria Padilla.

If you refer your friends or family to us for an Insurance Quote, your name goes into our weekly drawing to receive a free car wash. If we write a policy for your friend, your name is then entered in the IPAD GIVEAWAY CONTEST to be held on August 1, 2011.

Danny Griggs was the lucky winner of the IPAD we gave away on January 3rd, 2011 and he has let us know how much he enjoys his new IPAD.

You can refer anyone for a quote on any insurance product: home, rental investment property, auto, boat, motorcycle, RV, jet ski, ATV, trailers as well as business insurance and life insurance.

Call and refer someone today! 707-446-9800 or quote@gatewayinsurance.com

There is still lots of time to get your name in the drawing. No limit, refer as many times as you can! The more entries you have, the better your chance to win!

Visit us at the Boys and Girls Club Golf Tournament - May 6!

2011-04-10T12:16:00.001-07:00

We are sponsoring the Boys and Girls Club Golf Tournament once again this year. It's on Friday, May 6 at Green Tree Gold Club. Your Gateway Insurance team will be hosting hole #17, hope to see you there!

Gateway Insurance Offers Identiy Theft Protection

2011-03-23T10:13:00.000-07:00

Identity fraud expense coverage is available from Insurance Companies represented by Gateway Insurance in Vacaville: Travelers, Safeco and Kemper. For only $12 to $25 a year, this insurance provides up to $25,000 of coverage for expenses incurred due to identity theft.

We offer the following tips to help minimize your exposure to Identity Theft:

1. Check your credit report, which is available free once every 12 months @www.annualcreditreport.com. If you suspect any inaccuracies, contact the credit bureau immediately.

2. Protect your social security number. Do not use it as an identifier at school or work.

3. Shred financial and personal documents including bills, statements & pre-approved credit offers before throwing them away.

4. Do not carry your social security card, passport, birth certificate or extra credit cards in your wallet.

5. Drop outgoing documents containing personal information directly at the post office, not in your mailbox.

6. Use caution when responding to email request's for personal information, password, etc. Read each website's privacy policy and check for the padlock icon on the bottom of the screen to help ensure your privacy.

Earthquake Disaster Preparation Kit

2011-03-16T16:50:00.000-07:00

The recent Earthquake in Japan has more than a few of us wondering about the next Earthquake in Vacaville. Now is the time to put your disaster kit together. Go to www.FEMA.gov to find out what should be in your disaster kit. FEMA recommends storing at least a three-day supply of water and food. There are 5 categories listed on the website including clothing, medication, etc. Take time now to get prepared. Remember Earthquake insurance IS NOT provided by your Homeowners Insurance Company. A separate policy is necessary, call me for more information on Earthquake Insurance coverage.

Flood Insurance Awareness Week March 14-18, 2011

2011-03-14T15:33:00.000-07:00

This week is National Flood Awareness week. Dont say it doesn't happen in Vacaville, Fairfield or Suisun. It has. Be prepared! Go to www.floodsmart.gov and put in your address to find out if your home is in a flood zone!

Pet Insurance free with Commercial Auto Policy

2011-03-08T14:02:00.001-08:00

Business owners can now protect their dogs and cats with Progressive’s free Pet Injury coverage.

How it works: If a dog or cat is hurt in a vehicle accident, Progressive will pay vet bills up to $1,000.

Key Points:

Free if with collision coverage;
Covers dogs and cats if they’re in vehicle and injured in an incident like a crash, theft, fire, or flooding.
“With one in five companies allowing dogs at work, Fido or Fluffy are more likely to tag along in our commercial customers’ vehicles,” said Cory Fischer, Progressive’s product manager.

Progressive, the first insurance group to offer Pet Injury coverage, provides it free to auto, RV, boat, and now commercial auto customers.

Win an iPad for Insurance Referrals to Gateway Insurance

2011-03-02T18:17:00.000-08:00

Gateway Insurance's iPad Referral Contest is on again! Here's how it works...

You refer your friends and family to the team at Gateway Insurance by emailing their name, phone number and email address to quote@gatewayinsurance.com or you can call your favorite Gateway Agent at 707-446-9864. For every referral you send that results in a quote, your name is entered into the weekly drawing for a free car wash at 7 Flags Car Wash.

If that quote results in an active insurance policy, your name will be entered into the iPad drawing (a 16GB wi-fi), which will take place on August 1, 2011. There is no limit to the number of times your name can be entered or drawn, so keep 'em coming.

Call us with any questions (707) 446-9864. Weekly winners will be posted here on our blog and contacted via phone or email. Keep watching to see who wins!

Vacaville Insurance Agent in School

2011-03-02T13:09:00.000-08:00

Why is a Vacaville Insurance Agent in Folsom today? Because I am in school learning even more about Auto and Home and Business Insurance. Love it!

Safeco Insurance offering IPHONE APP

2011-01-14T16:58:00.000-08:00

Iphone users with Safeco Insurance can now download the Safeco app to their IPHONE. At your fingertips is ID cards, declaration of coverage pages, upload accident info and photos, find an agent near you, who to call for roadside assistance and more.

Apps for other mobile phones will be developed if there is sufficient draw for the IPHONE APP.

Icy Windows

2011-01-10T16:58:00.000-08:00

Baby it is really cold outside! This morning I woke up to ice on everything and it made me want to remind you to take the time to defrost your windshield before moving that car. I saw a tip last week that said to turn on your air conditioner for faster results. Let me know if it works!

Fireplace Ash Safety

2011-01-06T16:00:00.000-08:00

Baby it's cold outside and this is the time of year most of us like to build a little fire in the fireplace to take away the chill. Unfortunately, improper disposal of fireplace ashes result in a number of devastating fires each year.
Please note that hot embers lie beneath that cold coating of ash for days after the cozy fire.

You must dispose of ash in a metal can with a lid and place the can far away from your structure and fencing in case of ignition. Do not store the can of ash in your garage either.

Be safe!

Danny Griggs wins IPAD Referral contest!

2011-01-04T12:43:00.000-08:00

January 3rd, 2011 was a lucky day for Danny Griggs! He referred a friend to Gateway Insurance for an Insurance quote and we wrote the policy which made Danny eligible for entry into our IPAD referral contest. The contest began July 14, 2010 and 41 people were in the drawing by the closing date of December 31, 2010.
A big Thank you and Congratualtions to Danny as well as everyone who referred their friends and family to Gateway Insurance for quotes and Insurance policies. We will announce another referral contest soon so stay tuned!

IPAD Referral contest Last chance to enter!

2010-12-17T13:04:00.001-08:00

Victoria Farr was chosen to receive a free car wash for referring a friend to Gateway Insurance for a quote. The IPAD referral contest closes on December 31st, 2010 and the winner will be drawn on January 3, 2011. Please go to our website www.gatewayinsurance.com for details on how to enter the contest!

Cathy's Insurance Insight: Healthcare Insurance Options Website

2010-12-01T16:58:00.000-08:00

Cathy's Insurance Insight: Healthcare Insurance Options Website: "The Obama administration on July 1 launched its new Healthcare.gov website. The goal: take healthcare into your own hands. Literally! The ..."

Healthcare Insurance Options Website

2010-12-01T16:50:00.000-08:00

The Obama administration on July 1 launched its new Healthcare.gov website. The goal: take healthcare into your own hands. Literally!

The easy to use website allows consumers to input their income, employment status and ZIP code to find the insurance options that best fit their needs. You can learn about prevention, compare care quality and understand the new law.

Visit www.healthcare.gov now!

2010-10-28T16:08:00.000-07:00

Collision with an Animal
is more common than you think. Hundreds of millions of dollars in property damage to vehicles is one of the unfortunate results.

Animal collisions occur in all 50 states and tend to increase in the fall and winter. Deer strikes typically occur on rural and suburban roads in the late afternoon and after sundown, but hitting an animal can occur anywhere.

Surprisingly, colliding with an animal is not covered by “collision” coverage. Rather, it is covered under “comprehensive” coverage, often referred to as “other-than-collision” coverage. If you do not currently carry this coverage, you will likely be responsible for the costs associated with such an accident.

If you live in an area with deer or other large animals that might enter the roadway, you might consider adding comprehensive coverage to your policy. It’s often affordable, and its price can usually be adjusted based on how much of a deductible you are willing to shoulder.

Home Insurance for Cal Vet Loans

2010-09-30T14:01:00.000-07:00

If you have a single family home with a CalVet loan, the program automatically covers the structure for Fire and Hazard Insurance as well as Earthquake and Flood.

These programs DO NOT provide coverage for Household Contents and Personal Property, nor for your Personal Liability (injury to a person or their property while on your premises.)

If you live in a Condominium or Townhouse, only earthquake or flood damage to the structure are included. You must still purchase Fire and Hazard insurance.

A separately purchased HO6 policy can provide fire and hazard insurance for the structure as well as personal property, liability and loss assessment. The premium is usually very affordable as the rates reflect that the policyholder is a Homeowner.

Be aware that you are prohibited from running a business out of your home unless a special exemption, in writing, is given to you by the California Department of Veterans Affairs and you must carry a minimum of $3,000,000 in liability insurance.

This is just an overview of the Insurance Program with a CalVet loan and I invite you to call me for more information or a quick quote!

You Can't Always Keep the Water Out

2010-09-27T16:37:00.000-07:00

Here it is, the end of September and it's 95 degrees outside. I'll bet no one other than me is thinking about the upcoming rainy, cold and windy weather soon to descend upon us.

Just a reminder that water damage to the interior of your home isn't always covered.
The adjuster must find where the water entered the building. If the roof is damaged by flying debris or shingles are peeled back or off from the wind, then the claim is likely covered.

However, when there is no sign of damage to the exterior of the building and the water entered due to the roof being in disrepair or the building not being properly sealed, then damage caused by wind driven rain will generally be excluded, no coverage afforded.

Use these autumn summer days to prepare for the winter storms ahead by inspecting your roof and cleaning those gutters as the leaves begin to fall.

Flood Insurance Funding renewed for another year!

2010-09-23T15:23:00.000-07:00

Anticipating a Presidential signature, The US House of Representatives passed the previously approved Senate Bill 3814 today to extend the NFIP authorization until September 30, 2011.

Senate Bill 3814 funds the NFIP for one year, ensuring that property owners can remain protected and real estate transactions can proceed.”

The Senate measure falls short of the longer reauthorization urged by insurers and agents and does not include reforms designed to reform the program that is currently $18 billion in debt.

“While the one year extension does not address needed changes to the NFIP, it does provide additional time for the House and the Senate to incorporate meaningful reform, while Representatives contributing to this bill’s passage.”

Referral Contest

2010-09-21T16:03:00.000-07:00

Loy Jackson referred a family friend to Gateway Insurance to get a quote and won last week's free car wash.

Thank you Loy, for choosing Gateway Professional Insurance Services for your insurance needs. We appreciate your business and hope that we were able to meet or exceed your expectations.

Feel free to contact us: quote@gatewayinsurance.com with any questions or concerns. Be sure and visit our website for more info on the Referral IPAD Contest underway.

Congrats to Wendi Lucas!

2010-09-09T23:09:00.000-07:00

The Gateway Insurance team wants to thank and congratulate Wendi Lucas for her car wash win this week! Wendi referred a friend for a Homeowners policy and won Thursday's drawing for a 7 Flags Car Wash! Congrats!

Is your son or daughter heading off to college?

2010-08-31T11:46:00.000-07:00

College is expensive enough without finding out that an accident or theft isn't covered under parents' current policies.Take a moment to check your policy or call me for a review of your insurance coverage. A general guide is listed below:

HOMEOWNERS

Coverage of Personal Property: Most homeowners policies provide 10% of Coverage C (Personal Property) for property owned by you while it is at a residence other than your home. If your contents coverage is $100,000, your student's property up to $10,000 would be covered if living in a dormitory - provided the damage is caused by a covered peril, if the student meets the definition of an insured. For apartments or houses off-campus, the same coverage usually applies.
Certain items such as jewelry or expensive electronics may require "special coverage" or a "rider" due to limitations of coverage or perils insured.

LIABILITY
There usually is an exclusion for damage to property rented to an insured, so generally damage to a dorm room or apartment would not be covered.

Of course, if a student's needs can't be met under their parents' current policy, a separate renters insurance policy is recommended for additional coverage providing strong protection at an affordable price.

AUTO

Coverage without a car at School: if the student will drive while at home on school breaks, they should continue to be listed on the parent's auto policy. If they are attending school more than 100 miles from home, and are not taking a vehicle with them, the policy may qualify for a distant-student discount.

Coverage with a car at school: Usually, a car registered to the parent and listed on their policy will be covered if used by a listed student away at school. The location of the vehicle could result in a change in premium.

Driving a friend's car at school: Students generally would be covered while driving a friend's car if they are listed on their parents' policy and do not have regular use of the vehicle. The coverage would likely be secondary in this case, as the carrier for the friend's vehicle would be the primary coverage.

Good Student Discount: Generally, a student must be enrolled in at least four courses per term as a full-time student at an accredited college or university with 3.0 GPA minimum.

This is a general guideline, rules change per state, call me for a complete review of your coverage.

ID Fraud a result of Burglary, Stolen Wallets/ID

2010-08-23T15:50:00.000-07:00

A national study by Travelers Insurance reports that burglary, stolen wallets and pilfered identifications continue to top the list of the most common known causes of identity fraud. Accounting for 76 percent of all cases was burglary and theft of wallet/purse/personal identification/computer. Only 9 percent of cases were from online or data breach. Another 9 percent of ID theft cases came from forgery and lastly just 6 pecent from address/postal fraud.

The study also revealed what criminals do with the stolen information. 74 percent of the time criminals open new credit card accounts or use the existing credit cards to make charges, 18 percent access and withdraw funds from existing checking, savings and on-line retail accounts.

Travelers recommends taking a proactive approach to protecting your identity, including guarding social security numbers and financial information, shredding documents such as receipts, credit/insurance applications, medical records and bank statements and considering identity fraud reimbursement coverage, which can help someone recover from identity fraud.

Insurance protection provides customers with access to a consumer fraud specialist, who can guide victims through the process of restoring their identity. Coverage includes reimbursement for the costs associated with identity restoration as well as providing the services necessary to restore an identity.

Identity fraud expense reimbursement coverage is available as an endorsement on most Homeowners policies. Costs can be as low as $25 annually and offers protection up to $25,000 per insured person with no deductible.

Car Wash Winner IPAD Referral Contest

2010-08-19T12:43:00.000-07:00

Shannon Smith earned a free car wash coupon last week for referring her friend to us for home and auto insurance quotes.

Each week we draw for a winner from those folks that have referred someone to us. Shannon will be entered into the IPAD contest automatically for every referral that becomes a policy sold. Go to our website www.gatewayinsurance.com for more info on the IPAD contest!

2010-08-11T15:00:00.000-07:00

Rising Price of Gold Leaving Jewelry Collections Underinsured

Many consumers lack adequate insurance coverage for their jewelry because they haven't considered the impact of the decade-long rise in the prices of gold, platinum, and silver.

If you scheduled a 24-karat gold bracelet on your insurance policy for $3,000 ten years ago, it could be worth over $12,000 now, since the price of gold has quadrupled over that period. These items may have appreciated to the point where their value exceeds the coverage limits for jewelry in your homeowners policy.

Three steps that consumers can take to protect their jewelry and other precious metals items:

1. Update inventory. A current inventory is not only critical when losses occur, or when a major move is planned, it is imperative if it's been several years since gold necklaces, watches, and other precious metal items have been appraised.

2. Review and adjust existing policy. Compare the values in an updated inventory with the coverage limits in the existing homeowners and valuables policies. Homeowners policies have special limits on the amounts they will pay for jewelry and other collectible items. Purchasing additional protection through a valuables policy on an individual (scheduled) or blanket basis is often necessary.

Repeat steps 1 and 2 as part of an annual insurance review. The best and easiest way to keep valuables well protected, is to partner with an insurance agent for a once-a-year review of all insurance needs.

Congrats Amy Webber - This week's car wash winner!

2010-08-08T10:18:00.000-07:00

Our car wash winner this week was Kappel and Kappel real estate agent Amy Webber! Thank you for the referral Amy and enjoy that car wash!!