Call Us CALL US TODAY | 1-888-945-1495

Business Insurance BUSINESS

Business Insurance to fit your specific needs. Industry specific programs at the lowest possible premium 

Read More
Workers Compensation Insurance WORKERS COMPENSATION

We do workers compensation better - lower prices, more carriers & free X-mod management.

Read More
Farm Insurance FARM

The State of California is built on Agriculture - Rancher, Grower, Processor, Distributor - We have a solution for you.

Read More
Life Insurance LIFE

Life Insurance - We can custom create insurance solutions for those problems no-one wants to talk about.

Read More
Homeowners Insurance HOME

Get coverage to help pay for repairs, replacement costs and living expenses if something happens to your home.

Read More


Auto Insurance AUTO

All auto policies ARE NOT the same - Give us the opportunity to match your needs with the best carrier.

Read More


Co-Insurance is a contractual requirement shown as a percentage (90%) that specifies the percentage of insurance to value you must carry for your policy to be valid.
If you are deficient in this limit the penalties can be severe.

For Example:  You insure a building for $1,500,000 with a 90% co-insurance clause. 
8 months later you have a fire that does $400,000 in Damage - BUT the INSURANCE COMPANY  determines AFTER the loss that the actual replacement cost of your building is $2,000,000... 
Your insurance to value is 75% - your insurance company will only pay 75% of the actual loss $400,000 X .75 = $300,000 less the deductible  -  That's a $100,000 PENALTY.  Work with us closely to accurately determine your property values so you don't come up short on your claim.
Posted 6:47 PM

Share |

No Comments

Post a Comment
Required (Not Displayed)

All comments are moderated and stripped of HTML.
Submission Validation
Change the CAPTCHA codeSpeak the CAPTCHA code
Enter the Validation Code from above.
NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2019
  • 2018
  • 2017
  • 2016

View Mobile Version
© Copyright. All rights reserved.
Powered by Insurance Website Builder