Archive for the ‘home insurance’ Category

Home Insurance Quote – Roseville, CAWednesday, June 19th, 2013

Peterson & Grantham Insurance Brokers is an independent insurance agency located in Roseville, CA. We work with over a dozen different insurance companies (Mercury,
Allied, Travelers, Hartford,Kemper, CIG, CSE, Chubb, Fidelity, Fireman’s Fund, MetLife, Foremost, and Safeco Insurance).

All the insurance companies we represent are A+ rated and are preferred insurance carriers. Regardless if you are buying a home that is brand new or the home is over 50 years old with have the right insurance company for you.

Bundle your home and auto insurance and get up to a 25% on your home insurance.

Call a local agent, not an 800 number or a dancing Geco who does not even write home insurance!

 

Curtis Peterson/President

916-431-0400

1508 Eureka Rd Ste. 175

Roseville, CA 95661

CA license # 0F96366

Home Insurance Roseville, CAMonday, June 3rd, 2013

Is buying insurance online a good idea? After looking at some new data 65% of all consumers are looking online before they purchase insurance. Our agency Peterson & Grantham Insurance Brokers located in Roseville, CA has seen a spike in the amount of phone calls from potential clients searching for home insurance online. Our agency has embraced all the new technology that is in our field. We have over a dozen insurance companies that we write home insurance with and in less you are using a “real time rater” you would spend your entire day going to each company and doing a quote for a client. With a “real time rater” we are able to enter the information 1 time and get a quote from all of our carriers at once. Besides saving time and being able to offer our clients the most competitive rate, all the coverages are the same across the board from each company.

From here I usually email 2-3 quotes to the client for review and then review the plus and minus about each company. Just because an insurance company is cheap does not mean they might be a good fit for you and the home you own. Some clients just want insurance and could care less about the coverage and just want the cheapest policy they can find. Other clients understand that a home is one of the largest investments they will ever make in their lives and want to make sure their home and assets are covered correctly even if it costs them a couple of more dollars.

So, shopping online for insurance is a good way to review a handful of quotes all at once but from there take your time review the quotes are speak to the agent directly and understand what you are getting and not getting from the the policy you are buying. It’s always a good idea to ask questions. Also, if the premium is less than you pay now the 2 coverage’s that have the bigest impact on premium is the dwelling coverage and the deductible. If an agent lowered your dwelling coverage and increased your deductible then you may not be getting a better deal!

 

Peterson & Grantham Insurance Brokers

Curtis Peterson/President

CA License #0F96366

1508 Eureka Rd Ste. 175

Roseville, CA 95661

916-431-0413

Folsum Home InsuranceThursday, May 30th, 2013

Protect your Folsum home..

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Insurance Broker/AgentTuesday, May 28th, 2013

I get asked all the time the difference between an insurance agent and an insurance broker. Regardless of where you live in California the Department of Insurance looks at agent and brokers as really the same thing, at least when it comes to licensing.

A “broker” is usually independent  and works with multiple insurance carriers to find their clients the best overall premium. These days majority of brokers do not change broker fees as they are paid directly from the insurance company they placed the business through. Now when it comes to non-standard auto insurance or hard to place commercial business many brokers charge an extra fee since these type of carriers pay less and there is a lot more work involved.

Now an “agent” is usually captive, which means they only work with one general insurance company and they are not allowed to place business outside of this carriers circle of companies. A lot of times this means you might pay higher premiums and the agent is hand cuffed if you are unhappy with the current premium since this is their only option.  This becomes an issue for the client if you don’t fit into the box the insurance company is looking for. Even know your agent might be great he has no control over the rates and is only able to lower the rate by decreasing coverage or increasing the deductible. The other option is looking at a discount you might qualify for that was not given previously.

It’s been my experience that a “broker” is going to be able to provide the same if not better customer service but also provide higher coverage limits for an overall low premium. If you find yourself in a situation where you have had multiple claims on your home or auto insurance or there are other issues a “broker” can usually find a way out for you.

 

Curtis Peterson/Owner

Peterson & Grantham Insurance Brokers

1508 Eureka Rd Ste. 175

Roseville, CA 95661

916-431-0413

Home Insurance QuotesFriday, May 24th, 2013

If you are looking for home insurance quotes for your home you should look at working with an Independent Insurance Agent since majority of them work with multiple of insurance carriers. Out agency Peterson & Grantham Insurance Brokers in Roseville, CA work with (Mercury, Allied, Travelers, Hartford,Kemper, CIG, Chubb, Fidelity, Fireman’s Fund, MetLife, Foremost, and Safeco Insurance). We are able to input your information into our real time rater and quote your home insurance with all of our carriers at one time. This is a huge benefit for our clients since they are able to get a good grasp of the cost for home insurance without having to call a dozen different agents. Also, for those hard to place homes due to wildfire/brush issues or claims we have access to non-admitted home insurance carriers as well that will write just about any home.

You will see premiums range from carrier to carrier of about 40%. Some insurance companies are more competitive with auto insurance then with home insurance, and others provide great rates on the home, but a higher rate on the auto insurance. The key is to find a carrier that is going to provide a great overall premium.

Peterson & Grantham Insurance Brokers

Curtis Peterson/Owner

0F96366

1508 Eureka Rd Ste. 175

Roseville, CA 95661

Home Insurance CompanyThursday, May 23rd, 2013

What to look for when choosing a home insurance company? There are many insurance carriers when looking for homeowners insurance in Roseville or throughout California to protect your home from a loss or a catastrophic event. Yes, it’s a fact that the chances your home burning down is very low, but home insurance claims are very common these days. Be careful not to turn in small claims under $2,500 as you might have a hard time getting insurance if you have multiple claims over a 3 year period.

When choosing a home insurance company not all policies or companies are created equal. First of all, you want to make sure the company who is writing the insurance actually writes the home insurance themselves. Meaning they don’t just broker it out to some carrier they have a contract with. With is common with non-standard carriers who do auto insurance like Progressive, Geico, Allstate, and a few others.

First things first, make sure your dwelling coverage and deductible are similar to what you have now and that a new carrier is not dropping your coverage or increasing your deductible to be competitive. Also, in this market the dwelling coverage or the cost to rebuild tents to be higher than the purchase price. This is due to extremely high labor and material costs.

A few other coverage’s that are important that might not be on your declaration page of standard coverage’s but are very important are Ordinance of Law or Building Code Upgrades, Water Sewer Back Up, and Replacement cost on Personal Property. When it comes to these coverage’s you want to have the following:

  1. Ordinance of Law or Building Code Upgrades – 25% or higher of your dwelling coverage
  2. Water Sewer Back Up – minimum of $5,000
  3. Replacement cost on Personal Property – Standard Endorsement

By adding or increasing these coverage’s you will insure that you have the coverage needed during a loss. Also, if your carrier has an option for an HO-5, you should up grade your policy as it provides better coverage when it comes to losses.

 

Curtis Peterson

Peterson & Grantham Insurance Brokers

1508 Eureka Rd Ste. 175

Roseville, CA 95661

916-431-0413