What 4 Things are INCREASING your Homeowners Insurance?

Posted on April 13, 2018January 12, 2021 by admin

To ensure you keep your insurance costs down, and your home safe, here are four things you should stay away from:

Keep your house looking PRISTINE! Keeping up your maintenance will keep your homeowners insurance down! If your house isn’t maintenance, your insurance could increase rapidly or even be CANCELLED!
It’s all about location! Fires are a hazard especially in California. Your insurance rates could increase if you are too far away from a fire station or a fire hydrant. If you aren’t locate near one of those, make sure you are close to a reliable water source incase of an emergency.
It’s all fun and games until someone gets hurt. You may not know it, but SWIMMING POOLS and TRAMPOLINES increase your insurance rates! Over 90.000 hospital visits are reported annually because of trampolines. What most homeowners don’t realize is that a trampoline can cause serious spinal and brain damage. Swimming pools claim over 1000 lives a year! So, before you invest in these items, be sure to think twice!
A man’s best friend could easily turn in to mans biggest foe. Although soft and cuddly, not all dogs are good to own. Dogs such as Dobermans, Great Danes. German shepherds, Siberian huskies and other so called “dangerous and violent breeds” could make you insurance skyrocket. Be sure to buy a dog that is friendly to every part of the household!

3 Business Income Coverages Most People Miss…

Posted on April 13, 2018January 12, 2021 by admin

The end of the year is a good time to review your business insurance policies, especially business income coverage. The following additional endorsements are often overlooked:

1. Coverage for restoration period

It is common to underestimate the time it will take for a company to return back to normal operations after a loss. Cleanup and debris removal can take much longer than anticipated. Building codes, permits and inspections all add many months to the process. Two years of business interruption insurance is generally needed. Make sure to review the dollar limits in your policy.

2. Increased monthly limits for peak months

Be sure your Business Income amount is adequate for your business type. If your business is seasonal, the peak months need adequate limits. Review coverage and limits often

3. Transit coverage

Most businesses rely on fully insured carriers, like UPS or FedEx for shipping customer goods. These carriers generally use a release bill of lading for most shipments. If the shipper damages or loses your items, your coverage may be limited to as little as $100, and you may have no further recourse. If you ship large quantities and values consider a blanket transit policy.

California Home Insurance

Posted on April 12, 2018January 12, 2021 by admin

Alta Vista Insurance – Your source for California home insurance.

At Alta Vista Insurance, we believe you should be able to create a customized policy for home insurance. California home insurance is a specialty of our knowledgeable agents.

If you own your home, you may not be required to hold home insurance but if you have a mortgage, your lending institution will most likely require home insurance. California home insurance policies include many options, so Alta Vista Insurance is committed to easing the selection process for you.

A basic California home insurance policy will cover the following:

The structure of your home
Replacement costs
Personal possessions (up to a set limit)
Living expenses in case of a disaster
Liability

You can purchase supplemental homeowners insurance including:

Valuable Articles/Floater policies (i.e. Jewelry Insurance)
Flood policies
Earthquake policies
Umbrella policies (additional liability)
Animal Liability (liability issues due to household pets)

At Alta Vista Insurance, we understand that choosing the most suitable California home insurancecan be overwhelming. Don’t stress out -our friendly agents are always on call to advise you.

Give us a call with any questions you have regarding California home insurance.

What’s Under the Umbrella?

Posted on April 6, 2018January 12, 2021 by Seth Arruda

What’s Under the Umbrella? ☂

Of course, you don’t need to insure your umbrella.

But umbrella insurance will provide another protective layer over your personal assets. Not only that, it may even cover some things that car and homeowners insurance policies don’t protect you against. If you’ve got a lot to lose, this kind of coverage may be the most affordable way to protect yourself.

1. Extra Liability Insurance
  Liability limits on typical home and auto policies are fairly modest when compared to the value of new homes and cars. Clients can purchase umbrella insurance in increments for the right amount of extra protection at the right price.

1. Legal Defense
  You have a legal right to defend yourself against claims of injury or loss, but lawyers are expensive. Not only will umbrella insurance help you pay claims, it can help pay for legal defense.

Extra Coverage
Some umbrella insurance policies can get modified to cover more unusual risks that are not typically mentioned in an ordinary policy like personal injury or wrongful eviction.

What You Need to Know

When considering an umbrella, it’s important to understand how much coverage you currently have. In order to qualify for an umbrella policy, your auto insurance liability limits need to be a minimum of $250,000 per individual/$500,000 per occurrence. If you own or rent a property, your premises liability needs to be $500,000.

Investment properties, watercrafts, recreational vehicles and even a structure like a pool are all additional exposures If you have assets like these you should consider purchasing a personal liability umbrella.

Your house, retirement fund, and other assets could be vulnerable to a liability claim.

Get a Quote!

California Business Insurance

Posted on September 4, 2017January 12, 2021 by admin

Make sure your company is properly covered with California business insurance – Team with Alta Vista Insurance today!

As a business owner or executive, you are faced with risk factors on a regular basis. Having a robust business insurance plan in tact will greatly diminish your chances of suffering from major loss. The knowledgeable agents at Alta Vista Insurance will help you assess your potential risks and then build a California business insurance program. While we are located in Vista, CA we are able to serve all of your insurance needs throughout SoCal and California.

State regulations will determine basic Orange County and San Diego business insurancerequirements. Among the commonly required policies are workers compensation, unemployment, and disability insurance. But these may not be enough. Business insurance packages can include any of the following coverages:

Business Owners Policies (BOP)
Worker’s Compensation
General Liability
Errors & Omissions
Commercial Auto
Commercial Property
Group Benefits
Professional Liability

Companies come in all variations of shape and size, so Alta Vista Insurance makes a point to personalize each San Diego business insurance policy we write. There are many coverage lines to consider when developing your California business insurance package, and that can become overwhelming – we understand that. Our agents will work with you to establish a policy that is tailored to your specialized commercial insurance requirements.

Give us a call today at 877.410.9099 for more information or to get started on your California business insurance quote!

Vista California San Diego Auto Insurance

Posted on September 4, 2017January 12, 2021 by admin

Get the most out of your California auto insurance policy with Alta Vista Insurance.

State laws require all drivers to obtain automobile insurance before registering their vehicle. In California, auto insurance laws are no different. This makes auto insurance one of the most commonly sought lines of insurance.

At Alta Vista Insurance, we understand that you may not want to spend a great deal of time purchasing a California auto insurance policy. You can get the ball rolling quick and easy by filling out the free quote form on this page. You also have the option of speaking with one of our knowledgeable agents for a more personalized experience.

We offer the following California car insurance options:

Bodily Injury Liability – covers injuries to others caused by the policyholder while operating an automobile.
Medical or Personal Injury Protection – covers treatment of the driver and passengers of the policyholder’s car in the event of an accident.
Property Damage Liability – covers damages caused to someone else’s property by the policyholder while operating an automobile.
Collision – insures the policyholder from loss during a collision with another vehicle or object.
Comprehensive – protection for the policyholder’s car from damage and loss resulting from incidents other than collision.
Uninsured Motorist Coverage – covers medical treatment of the policyholder’s injuries in the event of a collision with an uninsured driver.

Other coverage can be added for specific vehicle needs like: antique automobiles, classic cars, high performance cars, and more.

Alta Vista Insurance wants to help you find a cost-effective, comprehensive California auto insurance policy. As an independent insurance broker, we can browse our list of insurance partners to determine a plan that best fits your lifestyle – this is a perk the chain insurance companies cannot offer you. When you work with Alta Vista Insurance, you are a click away from low cost California car insurance.

Call our office today to find out how you can save on your California auto insurance policy.

Builder’s Risk

Posted on September 4, 2017January 12, 2021 by admin

There is a window of time – when the ground is broken on a new construction project – when liability falls squarely on the shoulders of the general contractor. If a crane falls, a worker is injured, or the work is faulty, it’s the responsibility of the GC to provide compensation.

The good news is that this liability ends when the project is completed. In fact, the GC is only responsible for any liability if negligence is found to be the culprit.

At Alta Vista Insurance, we can provide you with comprehensive and affordable builders risk insurance coverage. It can be customized to cover a host of tools, equipment, and skilled employees in addition to the actual structure being built.

Bonds

Posted on September 4, 2017January 12, 2021 by admin

Let’s be clear: bonds are not insurance policies – they’re guarantees. It is not uncommon for business and contractors to have certain projects bonded to ensure they are completed, no matter what complications may arise. At Alta Vista Insurance, we specialize in providing both large and small businesses with the following bonds:

Performance – to guarantee the performance of contractually agreed upon work
Bid – guarantees the beginning of work following the winning of a bid
Indemnity – guarantees any losses should a party fail to meet deadlines
Payment – promises payment to all sub-contractors and vendors
License – a bond guaranteed to a state or federal agency

Contact Alta Vista Insurance to find out how our bonding services can be tailored to meet your specific needs.

Crop Insurance

Posted on September 4, 2017January 12, 2021 by admin

Your crops are just as important an investment as your home or farm. In stands to reason that you should be able to purchase the protection you need to hedge against natural disasters or the fluctuations of commodity prices.

Whether you need crop-yield or crop-revenue insurance, we can help you find an affordable balance.

Learn more about Crop Insurance solutions – the costs, coverages, and exclusions – by speaking with an Alta Vista Insurance agent today.

Contact Alta Vista Insurance now for further details.

Farm and Ranch Insurance

Posted on September 4, 2017January 12, 2021 by George Francis

Our Farm & Ranch coverage is one the most comprehensive and affordable coverage plans in the industry. It starts with the basics – your home, your farm or ranch, and your assets – and can extend to cover your personal and work vehicles, your crops, and even your livestock. You can even pick and choose the niche coverage you need, including natural disasters, identity fraud, animal collision and more.

Each year there are an average of 22 deaths per 100,000 farmers and ranchers nationwide. Accordingly, the National Safety Council lists farming as the second highest hazardous occupation in the United States, second only to mining.

At Alta Vista Insurance, we can even help you with liability coverage as well. Our flexible Farm & Ranch liability coverage can cover personal and farm liability, when you need it and as you need it. This extends to family farm partnerships, corporations, and trusts and can cover everything from your home to your heavy machinery to your livestock.

We can fold all of your coverage into one, all-encompassing policy, saving you time and money. In fact, with our Common Loss of Deductible clause you only pay one deductible if the same unfortunate event damages multiple pieces of property covered by separate policies. That’s our level of commitment to your protection – and your prosperity.