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California Insurance Blog

Are Landlords Allowed to Require Renters Insurance?

Posted on by AgentInsure

If you’re moving into a new apartment in California, your landlord might require proof of renters’ insurance before you can sign the lease. While it may seem like an extra step, this requirement is becoming increasingly common—and yes, it’s perfectly legal. THINK Insurance & Financial Services, serving Pomona, CA, can help you understand why renters’ insurance is important and how to meet this requirement.

California Law Allows Renters’ Insurance Requirements

In California, landlords are legally allowed to require renters’ insurance as a condition of the lease. This means they can require tenants to maintain active coverage for the duration of the rental agreement. While renters’ insurance isn’t required by state law, landlords can include it in their lease terms, similar to rules like no-pets or no-smoking policies.

Why Landlords Favor Renters’ Insurance

From a landlord’s perspective, renters’ insurance helps reduce liability and prevent disputes. While it doesn’t cover damage to the building itself—that’s covered by the landlord’s insurance—it does protect the tenant’s personal belongings. It may include liability coverage in the event that someone is injured in the rental unit. This minimizes gray areas when issues arise.

Benefits for Tenants

Renters’ insurance isn’t just for landlords—it offers significant benefits to tenants as well. It protects your personal belongings, such as clothing, electronics, and furniture, from theft, fire, and other covered events. Additionally, it can cover temporary living expenses if your rental becomes uninhabitable. The peace of mind that comes from knowing your belongings are protected often outweighs the cost of the policy.

Get Expert Advice Before You Commit

If you’re unsure about the type of coverage you need or how much to purchase, a licensed California insurance agent at THINK Insurance & Financial Services, serving Pomona, CA, can help you find a renters policy that meets your lease requirements and safeguards your possessions. Contact them today to explore your options and ensure you’re fully prepared.

Does Condo Insurance Cover Storm Damage?

Posted on by AgentInsure

With the increasing incidence of severe weather, especially during winter in Pomona, CA, condo owners may wonder if their insurance policies cover storm damage. The good news is that insurance will cover most storm damage you sustain, but determining who is responsible for specific damages may not always be clear. THINK Insurance & Financial Services can help you understand what your condo policy covers.

How Condo Insurance Differs from Homeowners’ Insurance

When you purchase a condo insurance policy, you’re not insuring the entire property. Typically, your homeowner’s association insures the building’s outer shell and common areas. The policy you buy insures the interior of your unit and its contents. Your policy will include dwelling coverage, which protects the structural elements of your home, including walls, floors, ceilings, electrical systems, and plumbing. Standard condo policies also cover personal belongings and losses caused by severe weather, such as windstorms and hail.

For example, if a severe thunderstorm damages your building, breaching the windows and causing water and wind damage to your unit, your condo policy would likely cover the resulting damage. However, if the exterior wall sustains damage, the policy purchased by your homeowners’ association will cover that. Additionally, if your unit becomes unlivable due to damage, your policy will typically cover expenses for temporary living arrangements.

What Condo Insurance Does Not Cover

Although condo policies typically cover water damage, the source of the water is a key consideration. If water intrusion comes from above or from a pipe broken by the storm, you will receive coverage. However, water intrusions caused by floods or mudslides require a separate policy.

Fully protect your condo by speaking with the agents at THINK Insurance & Financial Services, serving Pomona, CA. Contact our office today to get started on a policy tailored to your needs.

Determining The Commercial Insurance Needs For My Industry

Posted on by AgentInsure

Commercial insurance comes in various forms and covers a range of business issues. Not all types are relevant to every company. Certain types of commercial insurance are nearly universal among businesses with employees, while others vary depending on your firm’s legal structure or the industry you operate in. While this article provides general guidelines, you should discuss the issue with a trusted insurance agent, such as THINK Insurance & Financial Services, serving the Pomona, CA, market.

Matching Commercial Insurance and Industry

A wide range of businesses require specific commercial insurance coverage, including:

  • General liability
  • Commercial property
  • Workers’ compensation: firms with employees
  • Cyber liability: companies that use computers and other communication devices

Here is a partial list of other forms of commercial insurance primarily related to specific industries or professions:

  • Professional liability/errors and omissions insurance: firms that provide professional services or advice
  • Medical malpractice insurance: professionals in the medical field
  • Product liability, machinery damage, and environmental hazard insurance: manufacturers
  • Commercial vehicle insurance: those using motor vehicles
  • Inland marine insurance: firms that transport or store goods

The list goes on, so a suitable strategy for many businesses is to review trade association websites, industry magazines, or other industry sources for information about insurance practices. You may also benefit from conversations with your suppliers and customers.

Supplier and customer contracts often include language related to your legal obligations, such as requiring you to carry an umbrella insurance policy, so review your contracts.

After consolidating the information from those sources, meet with a trusted insurance agent for their recommendations.

Working with THINK Insurance & Financial Services

THINK Insurance & Financial Services serves individual and business clients in the Pomona, CA area. Call (855) 484-4654 today to gain the protection needed for your business and personal assets.

Can I Get Life Insurance Without Seeing a Doctor?

Posted on by AgentInsure

Are you interested in life insurance but prefer not to see a doctor? The THINK Insurance & Financial Services professionals, serving Pomona, CA, can assist. While most life insurance policies require a medical examination, there are options available that don’t necessitate a doctor’s visit. However, these policies may require special considerations.

Below, we’ve outlined what you need to know about life insurance policies, doctor visits, and how to secure a life insurance policy without a medical examination.

Does Life Insurance Require a Doctor’s Appointment?

Most life insurance policies require the insured to undergo a medical examination before the insurance policy can be issued. However, some policies do not require a doctor’s visit. These policies are usually available at a higher premium and may not offer as high a benefit as standard life insurance policies.

How Can I Get Life Insurance Without a Doctor Appointment?

If you’re interested in getting life insurance without a medical examination, discuss this with your insurance agent. Your agent at THINK Insurance & Financial Services, serving Pomona, CA, can help you find a policy that does not require a doctor’s visit.

If I See a Doctor for My Life Insurance Policy, What Can I Expect?

Medical examinations for life insurance are generally quick and straightforward. The doctor may ask you questions, draw blood, take a urine sample, and conduct a general physical examination.

Regardless of the type of life insurance you’re interested in, the professionals at THINK Insurance & Financial Services, serving Pomona, CA, can assist. Call today to get started with your life insurance policy. We work with many carriers, and we’re here to help.

Why Get Home Insurance When You Buy a House?

Posted on by AgentInsure

When you purchase a house, it’s crucial to protect yourself from financial risk. This is why many people opt for home insurance. Home insurance is designed to provide coverage for repairs and replacements when covered events occur.

Your insurance agent at THINK Insurance & Financial Services, servicing Pomona, CA, can assist you in finding the right home insurance policy for you. If you’re unsure whether you should secure home insurance before purchasing a house, here’s what you need to know.

What Is Home Insurance?

Home insurance is a policy that provides coverage for repairs and replacement of your home and belongings when covered events occur. Many people choose to secure home insurance when they purchase a home and continue to maintain it throughout their homeownership.

What Does Home Insurance Cover?

Home insurance policies can vary, but a typical policy pays for repairs or replacement of your home and belongings in the event of theft, explosion, hail, lightning, fire, vandalism, tornadoes, and water damage from burst pipes.

Home insurance can also cover your living expenses if you’re forced to live elsewhere while your home is being repaired after a covered event.

Why Should You Get Home Insurance?

Many home buyers are required to secure home insurance by their mortgage lender. If you are getting a home loan, your lender will likely require you to provide proof of insurance before funding your loan. Even if you are not borrowing money to buy a home, you may still choose to secure home insurance for financial protection and assurance.

The THINK Insurance & Financial Services professionals, servicing Pomona, CA, can help you find a home insurance policy that meets your needs. To learn more about how you can benefit from home insurance, contact us today.

Car Accidents and Fault: How Insurance Companies Determine Who Pays

Posted on by AgentInsure

A minor fender bender can escalate into a financial burden, especially if you’re found at fault. Understanding how fault is determined is crucial. At THINK Insurance & Financial Services in Pomona, CA, we offer the auto insurance coverage you need to avoid the financial pitfalls of a car accident.

How Is Fault Determined?

Insurance companies determine fault by reviewing all available evidence, such as police reports, driver and witness statements, photos, and even traffic camera footage. Claims adjusters then analyze the scene, assess vehicle damage, and apply traffic laws to understand what happened.

The goal is to assign responsibility fairly, but every case is unique, making proper documentation and coverage essential in protecting yourself financially.

Why Does Fault Matter?

Fault matters because it determines who is responsible for paying damages and medical bills. It could also impact your insurance premiums and potential out-of-pocket costs, especially if you’re found at fault. Disputes can arise if fault is unclear, leading to delays in claims. As California is an at-fault state, the at-fault driver’s insurance company is responsible for covering damages to the injured party.

Protect Yourself with the Right Coverage

Accidents happen, and sometimes it’s unclear who’s at fault. That’s why having the right coverage, such as liability, collision, and uninsured motorist protection, can save you from major expenses. The right insurance provides assurance, knowing you’re financially protected.

Stay Protected on the Road

Accidents can be stressful, but having the right coverage can safeguard your interests. At THINK Insurance & Financial Services, we provide residents in Pomona, CA, and the surrounding areas with personalized auto insurance coverage options so that they can drive with confidence and security. Contact our office today to get started.

Why Your Motorcycle Policy Should Be Separate from Your Auto Policy

Posted on by AgentInsure

You own several vehicles in Pomona, CA, yet you must buy different insurance policies for your motorcycle and autos. Although the premises of protection are the same, you’ll find differences between these two policy types. THINK Insurance & Financial Services can help you understand why you must maintain a separate policy for your two-wheel vehicle.

Different Liability Risks

Although the basic principle is the same, autos and motorcycles have different liability risks. Riding a bike has inherent risks that driving or riding in a car does not. Cyclists have a greater chance of injury than drivers in cars do. That’s because they don’t have the physical protection that autos offer when an accident occurs. Car occupants suffer less severe injuries when crashes occur. When a motorcyclist sustains injuries in a high-speed crash, the likelihood that the injuries will be life-threatening or debilitating will be much greater. Regular personal injury protection (PIP) auto insurance provides isn’t usually feasible. Motorcycle insurance addresses this coverage gap.

Less Physical Liability

At the same time, motorcycles are smaller and usually have less expensive repair costs than most cars. Therefore, repair costs are less. This fact usually makes motorcycle insurance cheaper than a traditional car insurance policy. Another difference in this area is that motorcycles are generally used less during winter and inclement weather than autos. Comprehensive and collision premiums are less under motorcycle policies because these vehicles usually have lower replacement costs and the limited time that they may be used when the weather is inclement.

Understanding the difference between motorcycle and auto insurance can be difficult. Bridge the gap by speaking with the agents at THINK Insurance & Financial Services, serving Pomona, CA. Contact our office today for an appointment.

How Life Insurance Helps Families Beyond Financial Support

Posted on by AgentInsure

Life insurance is often seen as a financial safety net, ensuring that loved ones are taken care of after a loss. While the financial benefits are undeniable, life insurance offers more than a payout. At THINK Insurance & Financial Services in Pomona, CA, we believe in helping families understand the deeper value of life insurance and how it provides security, stability, and reassurance in ways that go beyond money.

Emotional Security During Difficult Times

Losing a loved one is never easy, and the emotional toll can be overwhelming. Families can focus on healing rather than worrying about immediate expenses when financial concerns are alleviated through life insurance. Knowing that there is a plan in place provides a sense of comfort, allowing families to grieve without the added stress of financial instability.

Ensuring Stability for Future Generations

Life insurance can help create a foundation for future generations, allowing beneficiaries to invest in education, maintain family-owned businesses, or run a family farm. For those in family-owned enterprises, this kind of protection ensures that a lifetime of hard work isn’t lost due to unexpected circumstances. It allows children and spouses to continue building upon that legacy rather than being forced to make difficult financial decisions.

Providing Assurance for Everyone Involved

Beyond just covering debts or daily expenses, life insurance reassures families that they will be taken care of no matter what. It allows policyholders to make thoughtful decisions about their loved ones’ futures, knowing they are leaving a lasting impact.

If you’re looking for life insurance that provides more than financial support, THINK Insurance & Financial Services in Pomona, CA, is here to help. Contact us today to explore your options and find the right coverage.

The California Department of Outreach & Education

Posted on by AgentInsure

Keeping yourself healthy will be one of your top priorities, so you’ll need to work with a great team of healthcare providers. Unfortunately, good health care comes at a cost, so you’ll also need a good health insurance policy. If you live near Pomona, CA, and you want help choosing the right health insurance policy, our team at THINK Insurance & Financial Services is ready to answer your questions. We’ve been working with clients in your area since 2007.

The California Department of Outreach & Education

California citizens who don’t yet have health insurance are being encouraged to enroll in a plan that fits their needs. To help provide information and education about insurance options, the California Department of Outreach & Education has formulated a campaign called Covered California. The mission of this department is to provide information in public places and through small business’ employers to reduce the number of barriers that exist to insurance enrollment.

Covered California seeks to advise California citizens about their available insurance options. According to Wikipedia, this program is administered by an independent agency of the California government. This health insurance marketplace was created because of the Federal Affordable Care Act. When the campaign reaches an uninsured client, it can also assist them in applying for and enacting coverage in a health insurance policy.

Contact Us Today for Your Appointment

Once you know which type of insurance policy you want, our agents can help you find a range of policy options to choose from. Clients in the Pomona, CA, area will benefit from our agents’ experience and expertise. Each member of our team at THINK Insurance & Financial Services remains dedicated to presenting you with unique solutions to meet your needs. Call us for an appointment today so we can discuss your insurance needs.

Status Do Electric Cars Need Different Insurance Coverage?

Posted on by AgentInsure

Owning an electric car in Pomona, CA, has become commonplace over the last few years. Many area residents purchasing their first EV wonder whether they must get different insurance coverage for their new wheels. The insurance process for an EV is similar to that for a gas-powered vehicle, but you will encounter some differences. THINK Insurance & Financial Services can help make sense of what you will encounter.

You Don’t Need Extra or Different Auto Insurance

You’ll find the same types of coverage as you would for a vehicle with a gas powertrain: collision, comprehensive, liability, medical payments, personal injury protection (PIP), and uninsured/underinsured motorist coverage. The same companies that write policies for gas-powered vehicles also write coverage for EVs. You can customize a regular auto insurance policy with specific coverage for your high-end vehicle. While you can generally get coverage for an expensive vehicle with a general auto insurance company, you can also obtain coverage with carriers specializing in high-end vehicles. These carriers make it easier for you to get a policy that meets your needs.

Why Insuring Your EV is More Expensive

The reasons are simple. Most electric vehicles cost more. Other reasons for higher premiums include the following:

  • EV repairs are more complicated
  • Repairs require specialized technicians
  • Owners tend to file more claims
  • Claim amounts are higher
  • Claims take longer to process

As electric vehicle costs become more comparable to traditional vehicles, insurance costs will likely drop. However, until then, consider add-ons like original or new car replacement to adequately protect your investment.

Contact THINK Insurance & Financial Services, serving Pomona, CA, to discover how to protect your EV.

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