How Wildfire Risk Affects Property Insurance Rates in Carlsbad, CA

Name: Alta Vista Insurance Agency
Address: 2585 Pio Pico Dr Suite 100, Carlsbad, CA, 92008
Telephone: 888-724-2124

Posted on October 28, 2024October 21, 2024 by admin

Living in California comes with many perks, including stunning views and enjoyable year-round temperatures. However, if you’re a resident living near Carlsbad, CA, understanding the risk of wildfires is crucial to know how they may affect property insurance rates. At Alta Vista Insurance Agency, we can help you determine which plan is right for your home based on your exact location after a thorough risk assessment.

Increased Risk Assessment

When receiving quotes from insurance agencies, it’s important to note that Carlsbad, CA, may receive higher rates than surrounding areas and regions. This is due to its Mediterranean climate and the abundance of dense vegetation surrounding the location, which can increase the risk of a wildfire spreading.

Higher Premiums

Your insurance premiums will be noticeably higher when you’re located in a region where wildfires are more prevalent. This can place financial strain on homeowners, which is why it’s important to compare your options before settling on coverage that works for you.

Limitations

Unfortunately, some insurance companies and policies may impose stricter underwriting guidelines and coverage limitations based on where you’re located near Carlsbad. Limitations can force homeowners to seek additional coverage from specialized insurers for an additional premium. Always read and review each policy you’re interested in to carefully understand what’s covered while living in the Carlsbad region.

Anytime you live near Carlsbad, CA, finding the right insurance policy for adequate coverage and protection is key. At Alta Vista Insurance Agency, we will work with you to find a homeowner’s policy that works for you and provides you with the sense of security you need and deserve, even if you’re living in a region with an increased risk of a wildfire. To learn more about insurance options and providers for your home near Carlsbad, contact Alta Vista Insurance Agency today.

Is Renter’s Insurance in Carlsbad, Right for Me?

Posted on July 30, 2024August 14, 2024 by admin

As a resident of Carlsbad, CA, you may be pondering about the type of insurance you need to safeguard your property, investments, and personal belongings. If you’re currently renting a home in Carlsbad, CA, understanding what renter’s insurance protects you against can help specify which policy is optimal for you.

Benefits of Renter’s Insurance in Carlsbad, CA

Procuring renter’s insurance in Carlsbad, CA enables you to:

Protect belongings from theft and damage: Traditional personal property protection is always included in renter’s insurance policies.
Liability: The right renter’s insurance policy will also shield you from liability and financial responsibility associated with potential injuries and accidents on your property.
Living Expenses: If you’re obligated to relocate after an incident like a fire, break-in, or natural disaster, renter’s insurance can help bear the cost of food and, in some instances, even hotel expenses.

Renter’s insurance in Carlsbad, CA may be suitable for you if you:

Desire Additional Legal and Financial Safeguard: Guard yourself from the burden of additional medical expenses or potential lawsuits associated with any injuries that occur on your rental property.
Are Seeking Peace of Mind: Shield yourself, your assets, and your belongings with the correct renter’s insurance policy, which can also provide you with the tranquility you deserve.

Finding the most compatible renter’s insurance policy in Carlsbad, CA, is essential for renters, especially if they’re moving to the area for the first time. If you’re currently renting in Carlsbad, CA, or considering relocation to the region, cooperating with an insurance agent from Alta Vista Insurance Agency can assist in pinpointing the renter’s insurance policy that best meets your coverage needs. To acquaint yourself with more about renter’s insurance options in Carlsbad, CA, contact Alta Vista Insurance Agency today.

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What Owners Should Know About Property and Casualty Coverage

Posted on April 26, 2024April 29, 2024 by admin

Property and casualty (P&C) insurance provides financial protection against a large range of risks related to you and your property and is similar to traditional home insurance. This coverage includes covering common perils, such as fire, theft, natural disasters, and related property losses the policy covers, to name a few of them. Do you need this coverage? Why should you have it?

What Is P&C Insurance?

P&C is a broad type of insurance we offer here at Alta Vista Insurance Agency in Carlsbad, CA. It covers items in a structure that owners may experience from loss or damage resulting from unexpected events. As its name implies, property and casualty insurance can be divided into two parts.

Property Insurance

Property insurance covers assets, such as the structure itself, certain belongings within the property, houses, structures, and expensive goods you might own. The property aspect of P&C insurance protects against exterior and interior damage, vandalism, theft, damage from weather-related storms such as wind or fire, and more.

Casualty Insurance

Casualty insurance also includes liability coverage. This protection protects individuals from being legally responsible for damage to others’ property and any personal injuries. Generally, casualty insurance covers any court costs or retributions up to certain limits. Casualty insurance is often melded with property insurance through packaged policies and is collectively known in insurance as property and casualty (or P&C) insurance. Businesses can invest in packaged policies through business owner’s policies or commercial package policies.

Looking for All-Encompassing Insurance for Your Home or Business?

To learn more about these coverage options, call one of the experienced agents at Alta Vista Insurance Agency in Carlsbad, CA.
Policies we offer that can include property and casualty insurance entail:

Homeowners Insurance
Car Insurance
Condo Insurance
Renters Insurance
Landlord Insurance

We’ll ensure you have the right property and casualty protection in place.

State Farm Shuts Down Property In California: Navigating the Changing Landscape of California’s Insurance Marketplace

Posted on May 30, 2023May 30, 2023 by Seth Arruda

If you have your finger on the pulse of the insurance marketplace in California it would be flat lining. On Friday the industry received another heavy blow sending it into cardiac arrest.

Effective May 27, 2023, State Farm General Insurance Company®, the provider of homeowners insurance in California, announced that it will no longer accept new applications for property and casualty insurance. This will have an impact on a significant number of pending and future real estate transactions.

This decision was driven by a multitude of factors, including skyrocketing construction costs and inflation, growing catastrophic exposure, and a challenging regulatory and reinsurance market.

However, there is a glimmer of hope and a solution to help individuals and real estate professionals navigate this challenging market. A great way to prevent any difficulty finding your client’s insurance for their real estate purchase is to partner with an independent agency.

The Importance of Taking Action

The sudden halt in State Farm’s offerings requires immediate action for any real estate professional. To avoid any potential complications, it is crucial to take proactive steps. Here are a few essential tips to keep in mind:

Contact Buyers in Escrow: Reach out to all buyers currently in escrow and ensure that they have selected their hazard or homeowners insurance. It’s important to confirm that they are aware of the changes and ready to explore alternative insurance options.
Seek Alternative Coverage: If any buyer intended to use State Farm for their hazard or homeowners coverage, they will now need to select another insurance company promptly. Time is of the essence, and ensuring seamless insurance coverage is vital to keep the real estate purchase on track.
Act Swiftly on Insurance Contingency: If the insurance contingency has been lifted, the sudden absence of State Farm as an option can significantly impact the closing process. Moving quickly to secure replacement coverage is crucial. However, be aware that it may take longer and cost more than anticipated, so acting promptly is essential.

Amidst the current disruptions in the insurance marketplace, there is a reliable partner that can help both individuals and real estate professionals overcome these challenges. Alta Vista Insurance is dedicated to assisting clients in finding the proper protection for their real estate purchases. Unlike direct insurance providers, Alta Vista Insurance has access to a wide range of insurance carriers currently offering property insurance throughout California. This breadth of options ensures that clients can obtain coverage tailored to their specific needs, even in the wake of State Farm’s withdrawal.

If you’re currently facing the dilemma of finding alternative insurance coverage due to State Farm’s exit from the California market, it’s time to take action. Reach out to Alta Vista Insurance and let their experienced professionals guide you through this insurance market. By partnering with Alta Vista Insurance, you can mitigate the disruption caused by State Farm’s departure, ensuring smooth and timely closings for your real estate transactions.

Contact one of our agents at 888-724-2124 or email quotes@aviains.com

The insurance marketplace in California is undergoing significant changes, and State Farm’s recent decision to cease accepting new applications has sent shockwaves throughout the industry. However, by staying proactive and seeking reliable alternatives, such as working with Alta Vista Insurance, you can successfully navigate these challenging circumstances. Don’t let disruptions hinder your real estate transactions. Take action today and secure the proper protection you need with the help of Alta Vista Insurance.

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No Worries Podcast #4 Home Appliance Repair With Pacific Coast Appliance

Posted on April 13, 2022April 14, 2022 by Seth Arruda

Homeowners you don’t want to miss this episode. I sat down with Ryan DeHart, owner of Pacific Coast Appliance to talk the basics of home appliance repair. Ryan shares his story about how he started in the appliance repair business and the challenges of starting a business during the pandemic. When one door closes another door opens and Pacific Coast Appliance flourished since most homeowners were, well…home.

I also learned some great tips homeowners can learn to help them properly maintain their appliances and things to look for if appliances need repair. Ryan is very knowledgeable about appliance repair. He takes the time to explain things in detail so you understand what goes wrong and how it can be fixed properly. This was a great conversation with a business owner that is passionate about his craft and helping people solve problems.

If you live in the San Diego area I highly recommend call Pacific Coast Appliance.

For service visit their website. Go to: https://www.pcarepair.com/

Ryan DeHart 619-333-0946 Email info@pcarepair.com

Looking for better homeowners insurance? Contact Alta Vista Insurance.

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No Worries Podcast Ep. 2 Lumber Prices, Inflation, And How It Effects Property Insurance

Posted on July 8, 2021July 8, 2021 by Seth Arruda

In this episode our agent, Seth Arruda talks about some of the serious effects of inflation and construction costs on property insurance. The cost of building has risen and we’re seeing that reflected in new construction, but it can also effect the cost to rebuild, especially after a large catastrophic wildfire.

Update: lumber prices have come down recently but that doesn’t mean they will return to pre-pandemic prices. Also the with inflation and with the additional higher costs involved in building those costs are being passed down to the consumer.

So let’s dive into how the rising costs of building materials and inflation are effecting replacement cost and being properly insured to value.

Want to look at a plan for your personal or commercial insurance? Schedule an appointment!

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Do it! do it now! - Dwight Meme | Meme Generator

Alta Vista Insurance Was Chosen As One Of The Best Homeowners Insurance Agencies in Vista, California By Expertise.com

Posted on May 14, 2021May 17, 2021 by Seth Arruda

Expertise.com scored 65 agencies in Vista, California and selected the top 8 for 2021!

Recognition as a subject matter expert in homeowners insurance in San Diego, California shows how dedicated we are to helping our clients protect their lifestyles and their most valuable assets, their homes. So, when Alta Vista Insurance was selected as one of the top 8 personal lines insurance agencies in Vista, California for homeowners insurance by expertise.com we were very excited to be recognized for the amazing service we provide to our San Diego community and throughout California.

Our goal is to be an expert in real estate asset protection in San Diego, California. Focusing on property insurance is one of the cornerstones of our clients’ asset portfolios and that’s where we shine. Providing the proper education about the importance of financial protection gives our clients a solid foundation to build wealth and achieve financial freedom. Partner that with a subject matter expert that specializes in personal insurance like homeowners insurance, auto insurance, landlord insurance, flood insurance and earthquake insurance along with commercial property insurance, general liability insurance, commercial auto insurance, workers compensation, and cyber liability insurance in California and you have a healthy ecosystem to protect your personal and commercial assets.

“We want to give our clients the personal guidance and advice, so they feel empowered to make educated choices about their insurance. Be the guide in their story. We want to guide our clients through their insurance protection and put a plan together that leads our customers to success, so they can reach new heights. We invite our clients into a story where they have peace of mind and all their assets are properly protected.”

This is another feather in our cap and award to put on our mantel. The last two years, 2019 and 2020 Alta Vista Insurance was selected as Agency For The Future with Safeco Insurance and Liberty Mutual!

“This group includes some of the most innovative agencies in the entire independent agent channel. While they are all unique – each with their own distinct value proposition, customer focus and company culture – what they have most in common is in just how prepared they were to tackle the challenges of 2020 head on. They quickly adapted to the changing market conditions brought about by the pandemic, fully embraced digital to ensure the customer experienced remained strong, and continued to cultivate great corporate cultures to keep their teams engaged.”
-Tyler Asher, President of independent agency distribution for Liberty Mutual and Safeco Insurance.

The “proof is in the pudding”. I could go on and on and tell you all about the great work we do for our clients but it’s better to hear their stories. Check out some our client testimonials on our Google Business Page.

Visit Our Google Business Page

As an independent agency here in Vista, California since 1978, we’re no stranger to the neighborhood. Ever since then we’ve focused on personal and commercial property in San Diego, California working with real estate investors, property owners, homeowners, and new home buyers to give them the right plan to protect their lifestyles. We also focus efforts on helping other strategic partners in San Diego, California grow their businesses through our expertise and knowledge as an insurance guide to help them reach new heights in their businesses and provide their clients with a personal risk manager. We form long lasting relationships throughout Vista, California and all of San Diego with real estate agents, commercial real estate agents, property managers, mortgage lenders, bankers, CPA’s and attorneys.

We work strategically with business partners, especially real estate agents, to help those individuals grow their businesses, save time, and save money. One of our main focuses is to help agents close their transactions smoothly and on time and provide their clients with the proper protection they need for their lifestyles so they can live their best life. Insurance is a relationship business. Our goal is to build long lasting relationships with our clients, business partners, and our community.”

Expertise.com based their selections on a number of different criteria. They also looked at our online presence and social proof. They even took the time to test our strengthens with their surprise “mystery shopper” calls to ensure their list of insurance agencies are of the highest quality. Let’s just say, we passed with flying colors! Our staff was friendly, accommodating and answered all questions about bundling personal insurance and available discounts. Their selection criteria consists of five major categories.

1. Availability

Consistently approachable and responsive, so customers never feel ignored.

2. Qualifications

Building customer confidence with licensing, accreditations, and awards.

3. Reputation

A history of delighted customers and outstanding service.

4. Experience

Masters of their craft, based on years of practical experience and education.

5. Professionalism

Providing service with honesty, reliability, and respect.

Recognition and awards tell a story that we’re doing things right and putting our clients in San Diego, California first and we’re just getting started. Leveraging technology and our systems to create a seamless positive customer experience is a big focus as we look at new ways to meet the needs of our customers in the 21st century. We’re using more video and social media to educate our clients throughout the customer journey. Text messaging alerts and automation to keep clients informed about policy notifications and upcoming renewals has been a great addition to our client experience. During COVID-19 we’re able to reach our customers through virtual meetings using Microsoft Teams and book appointments using our online virtual calendar. If you’re looking for a better insurance experience and a personal guide to keep you informed about how to protect your lifestyle, we’d like to welcome you to Alta Vista Insurance.

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How California Homeowners Protect Their Real Estate Assets

Posted on January 28, 2021February 2, 2021 by Seth Arruda

I’m embarking on a new journey this year. Over the last thirteen years I’ve helped homeowners, new home buyers, and real estate investors in California protect their lifestyles and stay out of harms way so they can keep their assets in their pockets.

Very early on I saw the importance of being a problem solver and educating my clients so they could make the right decisions about their insurance protection. It sounds sexy, but it’s not. In fact, most people when you say the word “insurance” they immediately check out and look for the nearest exit.

WHY? I get it. Insurance is boring. Most consumers have no interest in it, until something happens in their life that changes their perception of what insurance actually does and the value it brings.

Insurance is a great tool and when used properly it can create a strong foundation to protect your income, your family, and your health.

I have said before,

the foundation to building wealth starts with financial protection. Understanding how to protect what you already have is one of the primary concepts to achieve financial freedom.

Many of these ideas have to do with the proper mindset. Mindset is everything. Without the right mindset you end up “running for the hills” when someone talks about insurance.

This is where the industry and many of my peers underdeliver. They constantly focus on price and the cost of insurance and overlook the importance of the proper protection. They do consumers a huge disservice by focusing so much of their time and resources on lowering the cost to squeeze every dollar out of the policy that it loses its value. And when the time comes when you need it the most the coverage doesn’t protect your lifestyle.

That is my goal as a personal risk manager. I want to change your mindset and the way you look at insurance. I want to invite you into a story where all your assets are protected, you have peace of mind, and you have the proper plan to achieve financial freedom.

Starting with a plan to be financially protected is the part of the story where we begin our journey. Insurance agents play an important role in guiding their clients in the right direction so they can make educated decisions about the proper protection they desire. That is very valuable to consumers seeking to protect their assets and their real estate investments.

In California, having an insurance agent that works closely with your real estate agent, CPA, and CFP creates a healthy ecosystem of “subject matter experts” that provide holistic solutions to their client’s problems.

Want to learn the benefits of adding a personal risk manager to your team?

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https://outlook.office365.com/owa/calendar/SethArruda@aviains.com/bookings/

And as your needs change they play an intricate role guiding you through different stages of life making sure you stay on the right path to building wealth through real estate.

No matter where you are on your journey through life it’s always best practice to educate yourself on the best way to protect yourself, your family, your income, and your health and well being. You don’t need a million dollars in the bank to start learning how to be financially protected and build wealth.

So let’s start making insurance exciting! Well, maybe not. How about we start with changing the mindset when it comes to insurance. This year I want to lay a foundation starting with some basic strategies that you can implement right now to help you create a plan for you and your family.

Whether you’re buying your first home in California or adding another investment property to your portfolio, this information will help you understand exactly how to protect your lifestyle.

Personal Insurance Protecting Your Home

I’m going to start with some basic tips on how to help you get the best value out of your homeowners insurance in California. These are benefits you can include if you own a home or you’re a first time home buyer!

Make sure your home in California is insured to value and your policy has extended dwelling replacement coverage. Replacement cost is a MUST. Your home has to be insured up to the replacement cost of the structure. How much would it cost to rebuild? That’s replacement cost or insurance to value. I recommend a minimum of 150% extended dwelling replacement. That will come into play if the cost of materials increase or labor costs increase after a covered peril.
Loss of Use. If you have a claim and you cannot live in your home while the repairs are being completed, you need additional living expense coverage. If you have a total loss from a fire you could be displaced from your home up to 1-2 years. This is why having adequate loss of use limits for your lifestyle are critical. Most people overlook this coverage and most agents will reduce this type of coverage to lower the rate. Purchase the maximum amount of loss of use that is available from your insurance company. In California, you can activate this coverage if your home is in a mandatory evacuation zone. Lodging, food, gas, and transportation costs can be covered under additional living expenses.
Liability for your residence premises. If you’re sued due to negligence this will keep your assets in your pockets. In some cases, this coverage can be activated for personal injury as well. Remember, you don’t have to be a millionaire to be sued like one. If you live in California, your property is one of your most valuable assets. You should purchase at least $500,000 in liability on your homeowners policy. Some insurance companies are offering up to $1 Million limits.
PRO TIP: I would also purchase a personal umbrella policy. This is a separate policy you can purchase that provides an additional layer of protection for your assets. It will cover your home, autos, toys, and rental properties and provide you with legal defense in case of a large lawsuit.

Get a quote for your home today

Go to https://www.altavistainsurance.com/compare-quotes.html?t=Home

Some of my peers say insurance is like defense and if you played sports defense was never very glamourous. But, a good defensive strategy always wins championships. That’s how I want you to start thinking about your insurance protection. As a defensive strategy to help you win so you can live your best life.

Barbecue for Labor Day 2020

Posted on September 10, 2020January 12, 2021 by Morgan Hege

Labor day marks the end of summer and usually the return to school. But here in California it also means the beginning of fire season. Sadly, this year is no exception with over 1.2 million acres burned so far this year nationwide.

Here in San Diego is the Valley Fire near Alpine having burned 17,665 acres as of 9/10/2020. (For more recent updates check the Cal Fire website https://www.fire.ca.gov/incidents/

What does this mean for insuring my property? Many insurance carriers are on new business binding moratorium. Meaning they have closed zip codes where there are active fires. If you are shopping for home insurance, or in escrow and trying to close, this can mean delays in the transaction process.

How else should I prepare? Consider making sure your policy protection is up to date. Standard homeowners insurance policies cover fire and your contents, but more and more frequently we are seeing the standard carriers declining homes for brush. Luckily there is a program set up through the state called the California Fair Plan. However, California Fair Plan policy only covers the structure for fire, and does not provide liability, loss of use, or contents coverage. For that you will need another policy called a “Difference in Conditions” or DIC policy. With the two policies together, you have similar coverage to a normal homeowners policy.

What Are My Next Steps? To learn more about insuring your home in California start by comparing home insurance quotes on our website. If you would prefer to speak to a licensed insurance guide; book an online appointment with one of our agents.

Coronavirus Insurance Relief

Posted on April 17, 2020January 12, 2021 by Seth Arruda

California Department of Insurance Orders All Insurance Companies to Offer Relief Refunds

In these rapidly changing times one thing remains constant, protecting your lifestyle. Taking care of our clients, our employees and our community is our top priority. I am proud to see that our industry is taking the necessary steps to provide financial relief to consumers and business owners throughout California. Since the shelter in place order many consumers and businesses have been doing their part to stop the spread of the Coronavirus. Now, the insurance companies are providing a little more relief from paying insurance premiums for specific lines of business. We’ll breakdown the latest bulletins from the Department of Insurance highlighting which types of policies are getting relief refunds. It’s important to contact your agent or insurance company and inquire about the steps each company is taking to implement their refunds to policyholders.

According to the Department of Insurance’s Bulletin 2020-3, to protect consumers and to provide consistent direction to the insurance industry regarding misclassifications of risk resulting from the COVID-19 pandemic and to address certain issues raised in CFC’s petition, Commissioner Lara hereby orders insurers to make an initial premium refund for the months of March and April to all adversely impacted
California policyholders in the following lines of insurance, as quickly as practicable, but in any event no later than 120 days after the date of this Bulletin:

Private passenger automobile insurance
Commercial automobile insurance
Workers’ compensation insurance
Commercial multiple peril insurance
Commercial liability insurance
Medical malpractice insurance
Any other line of coverage where the measures of risk have become substantially
overstated as a result of the pandemic.

Commissioner Lara grants each insurer reasonable flexibility in determining how best to quickly and fairly accomplish the refund of premium to policyholders. Insurers may comply with the premium refund order by providing a premium credit, reduction, return of premium, or other appropriate premium adjustment.

It’s important to check with your individual insurance company to inquire about their method of premium adjustment.

Read the full bulletin from The CA Department of Insurance Commissioner, Ricardo Lara

CA Dept of Insurance Bulletin 2020-3

California Department of Insurance Requirement to Accept, Forward, Acknowledge, and Fairly Investigate All Business Interruption Insurance Claims Caused by the COVID-19 Pandemic

Business Interruption insurance is an optional coverage that may be purchased as part of a comprehensive multi-peril commercial policy, business owners’ policy, or on a stand-alone basis. Many small and large California businesses purchase Business Interruption insurance to protect against the loss of income and other losses caused by an interruption to the normal operations of the business.

The California Department of Insurance (Department) continues to encourage businesses to review their policies, including policy exclusions, coverage limits, and applicable deductibles, and contact their insurance companies to determine what their policies cover as each insurance policy is different and the coverage varies. However, despite the Department’s on-going guidance to businesses statewide during the COVID-19 pandemic, it has received numerous complaints from businesses, public officials, and other stakeholders asserting that certain insurers, agents, brokers, and insurance company representatives are attempting to dissuade policyholders from filing a notice of claim under its Business Interruption insurance coverage, or refusing to open and investigate these claims upon receipt of a notice of claim.

Therefore, Insurance Commissioner Ricardo Lara finds it necessary to issue this Notice to ensure that all agents, brokers, insurance companies, and other licensees accept, forward, acknowledge, and fairly investigate all business interruption insurance claims submitted by businesses.

After conducting a thorough, fair, and objective investigation of the claim, the insurer must accept or deny the claim, in whole or in part, immediately, but in no event more than 40 days after receipt of the proof of claim. The amount of the claim accepted or denied by the insurer must be clearly documented in the claim file unless the claim has been denied in its entirety. (Regulations, section 2695.7(b).)

If you’re a business owner that has been physically impacted by COVID-19, we highly recommend reviewing your policy along with any exclusions, coverage limits, deductibles and endorsements and contact your insurance company to determine if there is appropriate coverage provided.

Business Interruption Insurance Claims Caused by the COVID-19

We’ve compiled a list of our insurance companies we represent and their claims department information. If you do not see your insurance company listed, refer to your current insurance policy.

Liberty Mutual

Small Business Claims 844-325-2467
Mid/Large Business 800-362-0000

CIG 800-986-9974

Travelers 800-238-6225

Mercury 888- 313-6372

Nationwide 800-421-3535

Progressive 800-274-4499

Safeco 800-332-3226

Encompass 800-588-7400

Kemper 888-252-2799

Chubb 800-682-4822

American Modern 800-375-2075

First American Property and Casualty 800-348-3782

Mapfre 877-627-3735

Stay healthy and safe. Practice social distancing, wear a mask when entering retail establishments, and wash your hands. Everyone is doing their part to flatten the curve. We appreciate everyone’s efforts to assists families, local businesses, and their communities. Thank you for being a part of Alta Vista Insurance.