5 Reasons to Care More About Auto Insurance

The moment you buy auto insurance is the moment you likely forget about it. It’s just another responsibility to check off a list. But auto insurance is a major purchase, and one THINK Insurance & Financial Services knows you should pay more attention to.

1. It Protects You

if an uninsured motorist hits you, insurance may be the only thing that helps you pay for the damages. It’s a safety net that keeps your finances from being sucked away, and there are a variety of events it helps you with.

2. You May Not Have the Right Policy

If you’ve chosen the bare minimum of coverage, there’s likely a few scenarios that will end up costing you more than you can afford. For example, California has its own limits when it comes to bodily and property damage, and everything else you pay will be out of pocket.

3. Insurance Can Be the Best Source of Advice

Knowing who to call can be just as important as the research you may do on your own. If you live in Pomona, CA, you’re going to want to work with someone who can actually help you, and answer your questions as honestly as possible.

4. It’s Not Just About You

Insurance helps every driver on the road, not just you. The roads cannot stay safe if people don’t practice security in their daily lives, and insurance is an exceptionally large part of that.

5. The Company You Keep Is Important

THINK Insurance & Financial Services serves the people of Pomona, CA, and we’re here to make it easy to both obtain and understand insurance. We can help the new and the seasoned drivers alike. If you’re looking for information or a new quote, then give us a call today!

Ways to Have a More Successful Yard Sale

Yard sales are good ways to make some extra money while also making some more room in your home by removing things that you no longer use. However, when you want to have a yard sale in Pomona, CA, you simply cannot have one on a whim if you want to be successful. Use these tips from THINK Insurance & Financial Services so you can have a more successful yard sale this year:

  • Invite your neighbors to join. If you live in an area with several residences, you should ask if anyone else wants to join in. The more people you have, the more traffic you will have because they can help spread the word and people like to come to big yard sales.
  • Clean the items before selling them. Even if they are not blatantly dirty, you should clean them before you put them out. People are more likely to purchase things that are clean than they are if they are dirty or dusty.
  • Plan it for the weekend and advertise. You should make sure you schedule it for the weekend so you can get more people to come. You should also take the time to put some signs out ahead of time so people can see them during the week.

You should have a great home insurance policy to protect all of the things you are keeping as well as your finances. If you do not already have one in place, be sure to contact THINK Insurance & Financial Services serving Pomona, CA. They can help find a policy that fits your needs and your budget. If you do have one, they can make sure you do not have gaps in coverage and that you are not paying too much.

Why You Need Homeowners Insurance in California

Living in a city like Pomona, CA comes with many perks, but a disaster-free zone is not one of them. California is known for its sunny skies and frequent earthquakes. You cannot take a chance on going without homeowners insurance in a region such as this.

Sunny Today, Shaky Tomorrow

California sits on the large and potentially destructive San Andreas Fault. You can quickly go from a vibrant homeowner to someone without a place to lay his head if a violent earthquake sweeps through the state and triggers what many call the sleeping San Andreas giant. While homeowners insurance cannot safeguard against all financial loss, it can ensure that the value of your home is credited back to you and your family.

A Lawsuit is Lurking

Many tourists visit the region throughout the year, and some come with the preconceived notion that all Californians are wealthy. You should not discount the probability of lawsuit simply because you live in Pomona, CA and not Hollywood. Homeowners insurance pays for court proceedings and settlement in the instance of you being found liable in a lawsuit.

The Bank Says You Must Be Insured

The lender is always looking out for its interests, which means that it will require proof of homeowners insurance. Some banks in California even require borrowers to obtain earthquake coverage so that the cost of the loan will be covered should a tragedy take place.  Homes located in areas where wildfires often occur may also require additional insurance for damages caused by fire.

Don’t Get Caught Uninsured

No one is going to twist your arm and force you to obtain homeowners insurance after paying off your loan. It is, however, in your best interest to maintain assurance that reimburses the value of your investment instead of preceding indemnity and coming up empty.

When is it Time to Trade In My Old Car?

You might be fond of that old car. She has a name. The cracks on the dashboard have been loving taped or glued, and she still gets you to work in the Pomona, CA area most of the time. But the visits to the repair shop are increasing. You wonder if it’s time to trade in your old friend, or does it make sense to keep her on the road?

No Monthly Payment Means It’s Cheaper, Right?

You paid off the car years ago.  You’re figuring that $200 to $300 a month is cash in your pocket. However, if you are replacing belts, shocks, fuses, door panels and an assortment of other parts regularly, the dollar amount might be higher than you think. Make a pros and cons sheet and enter of cash spent recently.  Is it more than a new car payment? If it is, it might be time to head to the dealer.

Insurance Will Cover an Accident, Right?

If you haven’t checked the blue book value of your vehicle recently, you might want to. Car repairs can easily reach $5,000 due to a simple fender bender. If your reliable commuter car has a cash value lower than that, you could be shelling cash out of your pocket to get it back on the road. If there’s not enough in the savings account to cover that contingency, changes are in order.

Is It Still Keeping You Safe?

Older cars lack the crumple zones, dual-stage airbags and other safety advancements available on newer models. A new car could save you more than cash in an accident. How safe is your kid in that back seat?

Your Pomona, CA auto insurance agent can help you weigh the pros and cons of maintaining your old vehicle. Give them a call today to check on the current valuation of your car.

Three Ways to Maintain Your Home This Fall

Fall is a great time to do projects around your home and getting it looking great. It isn’t too hot like in summer and it isn’t yet cold like in winter. However, while many of these projects are optional, there are a few things that you should be doing to maintain your home in fall time. These tips can help prevent larger problems that can happen during the wet, icy and windy winter months. Here are a few of those things.

Trim Your Trees

One of the best things to do in the fall months is to trim back your trees. Dead limbs can fall when it is windy out, which can cause damage to your home, cars, or even people. Trimming your trees can help you prevent having to file a homeowner’s insurance claim for damage.

Maintain Your Sidewalks and Walkways

Concrete sidewalks and walkways can develop cracks in them. During the fall and winter months, it is darker outside earlier and it can be harder to see these cracks, which can be a tripping hazard. Fall is a great time to fill them in, or even find a way to light the area well.

Have Your Roof Repaired

If your roof has missing shingles, cracked tiles or is otherwise damaged, you want to have it repaired in the fall. Rain can seep in and cause more damaged, which can lead to you having to file a homeowner’s insurance claim. Having the roof inspected and repaired helps prevent this.

Are you looking to buy a new homeowner’s insurance policy? Or do you simply want to find out what may or may not be covered with your existing one? Then contact THINK Insurance & Financial Services, serving the Pomona, CA area. Let us help you with your homeowner’s insurance needs today!

 

3 Ways to Decorate Your Bedroom

Have you been thinking about remodeling your home? If so, you should take into consideration that remodeling can be extremely expensive. And truth is, many times, instead of remodeling, simply redecorating the home can be a great way to transform its looks for a fraction of the price that it would cost to remodel it. One of the best places to start redecorating is in your bedroom. After all, this is the room where you sleep and spend much of your time. Here is a quick look at three tips for redecorating your bedroom.

Tip #1: Cover the windows

The windows in your bedroom need to be covered. Whether it be with blinds or curtains or both, having them covered is especially important so that people cannot look in and see you sleeping or watch you change clothes. With blinds and curtains, you can open them so that natural sunlight will come in. But when going to sleep at night, make sure you close them.

Tip #2: Put the bed next to the wall

One of the simplest ways to make your bedroom more spacious is by placing it next to a wall. You will want to leave just enough room for you to be able to comfortably fit between the bed and wall because this makes it much simpler to make the bed in the mornings before you leave for work or start your day.

Tip #3: Hang a TV

Instead of having an actual TV stand in your room, hang the TV on the wall. This will add space to your bedroom. There are many types of TV wall mounts that are exceptionally easy to install.

To learn more about redecorating your room and home insurance, contact THINK Insurance & Financial Services serving the Pomona, CA area.

Does Home Insurance Cover Natural Disasters?

Residents of Pomona, CA know that Californians are at risk for natural disasters. Catastrophes such as wildfires and earthquakes are not uncommon to California. Furthermore, the east coast was recently ravaged by Hurricane Matthew. While California does not get struck by hurricanes very often, California is on the coast and can suffer a hurricane strike at any time. When it comes to home insurance, owners need to know what disasters are covered by the policy and what catastrophes require an additional rider.

First, in the wake of Hurricane Matthew, it is important to address floods. Flood insurance does not come standard with most insurance policies. Flood insurance is typically a separate rider that people need to add to their policy. While this comes with a slightly increased cost, Californians do live on the Pacific coast and should be prepared for a hurricane strike. Make sure that the policy covers flood damage.

Next, earthquake insurance is important for people living on the San Andreas Fault. Earthquake coverage is also a separate policy, typically referred to as earth movement insurance. This will include disasters such as mudslides and avalanches along with earthquakes. This should not be neglected in California. Purchase earth movement insurance.

Finally, there are some policies that will cover wildfire damage. With the dry heat in California, wildfires are a common occurrence. While many policies will cover fire damage, it is essential that residents purchase coverage to cover living expenses. Wildfires frequently cause so much damage that the home cannot be lived in. People are forced into hotels and apartments which can be expensive. Home insurance policies will cover these living expenses if the owner purchases the coverage. 

Pomona, CA is averse to natural disasters. Wildfires and earthquakes are common along the San Andreas Fault. Make sure that everyone knows that catastrophic coverage is included in a home insurance policy. Some riders are required to cover specific natural disasters. Contact the friendly agents at THINK Insurance & Financial Services today for more information. 

How You Can Make Auto Insurance Work for You

In Pomona, CA, you’re faced with some driving situations everyday. From congestion to clear roads, there are so many ways you can get from one place to another. But auto insurance is not likely what you’re thinking about when you’re out, and it’s one of the main reasons why people fail to get the right coverage for themselves. THINK Insurance & Financial Services wants you to know how it works in the real world, so you can make better decisions about the amount of coverage you get. 

When Is Liability Right?

Liability is the cheapest option you can get, and it tempts many people who are on a budget to take the deal. The problem with this is it just takes one accident to financially cripple people. Liability doesn’t cover any of your repair costs, and that could mean that you no longer have a car to get around. Deductibles can also be incredibly high when you have this option. Liability is only recommended if you have a car that is extremely inexpensive where you know that you can get another car rather quickly if it does happen to become totaled. The public transportation in Pomona, CA leaves something to be desired, so you may not want to rely on that if something does happen. 

Having the Right Partner

THINK Insurance & Financial Services wants you to get the most out of your auto insurance, and that means thinking through every scenario. From a thief taking your things to being involved in a hit and run, there are ways that insurance can keep you from having to experience a devastating event. Talk to us if you’re looking for a quote, or if have questions about the type of car you have. Your rates are determined by a variety of different factors, and your price may be more reasonable than you think. Find out more when you call us today. 

Moving to Pomona, CA? You need great auto insurance options

Pomona, CA is a beautiful place to live, work, and play. There’s so much to enjoy, and plenty of things to see and do in the city and the nearby area. When you have a car to drive around in, you’ll want to get out and explore. But you also want to make sure you’re being careful with your finances. That way you can protect your car and still have plenty left over for all the fun you want to have. With the right insurance policy from THINK Insurance & Financial Services, you can explore different options for protecting your car, truck, or SUV at a fair cost.

Because there’s so much going on in Pomona, CA, you want to be able to rely on your vehicle. If you do happen to be involved in an accident, though, you want to be able to rely on your insurance agent, company, and policy to be there for you. That’s why you want to work with an agent who can give you quotes from multiple companies. You’ll be able to get help if you need it, get your questions answered, and make sure you have the right coverage as your needs change throughout life. Periodically checking with your agent and updating your policy is a good idea, as well.

You can spend plenty of fun times in the sun when you choose THINK Insurance & Financial Services. A knowledgeable agent will help you get what you need and will answer all your questions. That way you can get the policy that’s right for you and move on, so you can get back to your life. Don’t let a bad insurance policy hold you back, when you could have great coverage at an affordable price.

Home Insurance Basics

When you are in the market for a home or a home insurance policy, it is best to know what you are looking for. You likely have a good idea of what you want in a home but most people do not even think of what they need in a home insurance policy. Some people may even think to not purchase one. However, it is always recommended and before you purchase a home insurance policy, there are a few basics to understand. These are some of the basics of home insurance as provided by THINK Insurance & Financial Services serving Pomona, CA.

  • It comes in all shapes and sizes. Just like every home is different, there are many different kinds of home insurance policies. It is important to take a look at your needs and your home to make sure you get the coverage that is best for the home.
  • There can be gaps in coverage. While you may expect home insurance to cover anything that could go wrong in your home, that is not the case. Some policies may not even cover water or flood damage. It is important to look at the policy to see what is covered and what is not covered.
  • It may not be required to have. If you do not have a mortgage, you may not be required to have home insurance. However, you should always consider it just in case anything were to happen to your investment. You never know what may happen tomorrow.

If you would like to learn more about your options or get some quotes for home insurance, be sure to contact THINK Insurance & Financial Services serving Pomona, CA. They will even take a look at your current policy to make sure there are no gaps.