Giving Back Overview | LMG (libertymutualgroup.com) We had fun serving with our friends from Liberty Mutual and Safeco Insurance for their annual Giving Back to the local community event!
Being involved in an accident is scary and stressful, but you’ll want to remain calm and focused to ensure that you, your loved ones, and any other involved parties are safe. If you are involved in an accident, remember to breathe and then follow these important steps. And remember, Alta Vista Insurance Agency in Vista, CA is here to help.
If the accident is minor and your vehicle is drivable, move it from traffic and to the side of the road or highway. Turn on your hazards and utilize cones or warning triangles if you have any to alert other vehicles to the accident. Once done, check for injuries on yourself before moving to any passengers in your vehicle and finally, other vehicles that are involved in the accident. If you have even the slightest doubt that someone is injured, err on the side of caution and call 9-1-1.
It is always best to contact the police and ask that an officer be sent to the scene to produce a police report that is invaluable in the insurance claim process to determine who is at fault. If the police are not called or unavailable for a significant time, you should gather key information yourself to include the following for all parties involved:
You should contact your insurance company as soon as possible after an accident to start the claims process. Many insurance providers will let you start a claim from their mobile app to save time and hassle.
If you are shopping for car insurance, Alta Vista Insurance Agency in Vista, CA is here to help. Give us a call today to schedule a no-obligation consultation to learn more about our insurance products.
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.
If you are a new parent in the Vista, CA area, you can turn to Alta Vista Insurance Agency for all of your insurance needs. We are here to answer all of your questions and help you find the insurance that will give your family the protection it needs.
Welcoming a new child into the family is a very exciting event! Of course, there is also a feeling of responsibility with all of the excitement. Part of caring for one’s family is providing the protection and security they need. Life insurance is one way to plan for the future effectively. When you choose a life insurance policy to protect your family, you are helping to provide them with security, no matter what the future may hold.
Choosing the right type of insurance policy and the appropriate coverage level can seem confusing and challenging. It does not have to be a stressful experience, especially when you work with an experienced local agent. Now is a perfect time to learn more about your options.
Rely on Alta Vista Insurance Agency for all of your Vista, CA area insurance needs. We understand that starting a family is an exciting time of life and one that can be filled with worry. Let us help you find the peace of mind that comes with knowing your family is protected. Give our office a call today to schedule a consultation to learn more about the available life insurance options in our area.
Buying a home is an exciting life milestone. To make the most of homeownership, you will need to have proper homeownership in place. At Alta Vista Insurance Agency, we make it our job to provide our clients with solid insurance information so that they can make the best insurance decision. Keep reading to see how we can help you in Vista, CA and the surrounding areas.
Why Is Home Insurance Important?
If you have a mortgage on your home, your mortgage company will usually require that you have home insurance in place. Even if your mortgage company does not require this, it is always a good idea to have insurance in place. You have made a huge investment in your home. In addition to this, your home provides a huge part of your family’s security. If something happens to your home, you will be held financially responsible for repairs or replacement, and if your home is unlivable you will have nowhere to live. Home insurance removes these risks.
What Does Home Insurance Cover?
A home insurance policy can be customized to suit your particular needs. However, most home insurance will cover the following general areas.
If you would like to learn more about home insurance or any of our other insurance products, please contact us at Alta Vista Insurance Agency, serving Vista, CA and the surrounding areas.
If you own a business, there might be a point at which you won’t be able to operate. When this occurs, it’s in your best interest to get business interruption insurance coverage. In fact, it may be ideal to have it in place depending on your type of company and risk factors associated with it. An Alta Vista Insurance Agency expert can help you determine if getting this coverage is a good idea in your situation.
What Is Business Interruption Insurance?
Business interruption insurance protects income that you may lose and helps you move to another location to allow you to open your doors up again quickly. You can use it in the event that there’s been an accident or some type of disaster. It typically is limited to your business’ net profits or projected gross income.
Be Certain You Have Adequate Insurance for Your Business
You might find that you’re under-insured if you don’t have business interruption coverage included in your contract. You can add this to a commercial property policy, a Business Owners Policy, or another type that’s offered by your provider.
What Business Interruption Insurance Tends to Cover
You can’t get business interruption insurance coverage by itself. All businesses need to bundle this endorsement with some other commercial insurance policy. Be aware that your policy only covers certain aspects of your business.
Loss of Income/Profit
When you have to close your business for any period of time due to an accident or disaster, you’ll be able to have coverage up to a specific amount that’s stated in your policy. A business owner who lives in a hurricane zone would greatly benefit from having this in place.
Relocation
If you need to move to a different location to operate your business after a windstorm, fire, or some other type of disaster, the business interruption insurance covers the costs associated with that move.
Operating Expenses
You likely have regular bills you need to pay for your business. Since you’ll probably need to continue paying them at the time you close your business, the coverage you get from business interruption insurance is ideal. Rent, lease payments, and employee wages are examples of what’s included under operating expenses.
Paying Taxes
If you are paying property taxes for a location you have no access to while closed, or you already owe taxes, use business interruption insurance to help.
Business interruption insurance is made easier with the help of professionals. Reach out to Alta Vista Insurance Agency, serving the greater Vista, CA area. We’re happy to help you make a decision about your insurance needs.
It was fun for everyone to support a local vista family in need for Christmas this year! For the past several years it’s been our pleasure to support a local family through the Vista Boy’s and Girls Club. We hope our our clients, friends and family enjoy this Christmas season. God Bless Us Everyone! ~ Morgan
Homeowner’s insurance offers a level of protection for all of your personal belongings, including your home. Although it may seem like a huge and unnecessary task, creating an inventory list of your assets can ensure you receive full compensation in the event a file needs to be claimed. Alta Vista Insurance Agency wants to share with Vista, CA homeowners a little bit about home inventory lists.
What Is a Home Inventory List Exactly?
A home inventory is just a list of your personal belongings. This list needs to be as detailed as possible. For instance, you should include make and model, date of purchase, amount paid, serial numbers, etc. If possible, include a purchase receipt, as this makes it easier to identify the value of your losses in the event of a monsoon or fire.
When Should You Make a Home Inventory List?
If you have yet to create a home inventory list, now is the perfect time to do so. You never know when something unexpected could occur, so having a home inventory list created and ready to go will help speed up the claims process. Ideally, you should update this list at least once annually. The best approach, though, is to simply remove and add items as you sell them and buy them.
Where Should You Keep Your Home Inventory List?
You have to keep in mind that an event that could potentially damage your personal belongings could also damage your home inventory list. While there is nothing wrong with keeping a copy of the list at home and/or with you, it is a good idea to keep a copy of the list in the cloud and/or in a safe deposit box.
Whether you have recently purchased a home or have been living in your Vista, CA home for some time, let Alta Vista Insurance Agency ensure you have sufficient homeowner’s insurance coverage for your needs.
Home-based businesses are growing in popularity. Half of all businesses in the US are home-based and if you count businesses that don’t have employees, it goes over 60%. This brings with it many new challenges for businesses and it is more important than ever that you understand how commercial insurance can protect your business and how inadequate non-commercial insurance is. At Alta Vista Insurance Agency in Vista, CA, we understand business risk and how it can be mitigated with commercial insurance.
If your business is located in your home, you may think your home insurance offers you the coverage you need. It will supply some very basic coverage but not for anything that is particular to your business. While it might cover a computer, desk, and copier, it won’t cover any specialized tools or machinery relating to your specialized business. You also won’t have the coverage for the inventory and raw materials your business requires.
If you are meeting with clients or customers in your home and they are injured, your home insurance won’t cover them. If vendors come to your home, you also won’t be covered for any injury they sustain. Home liability insurance won’t cover any people who visit for business reasons, only personal reasons. An injury can lead to a legal suit and a judgment against you and it could be enough to torpedo your business for good without the right insurance.
If you are using your personal vehicle for business, you will not be covered if you have an accident where you are at fault. It is important to get commercial auto insurance for any vehicle you use for business purposes.
Contact Alta Vista Insurance Agency in Vista, CA when you are ready to discuss your commercial insurance needs.
In this episode I talk with my good friend Alec about the basics of solar when it comes to homeownership. We talk about some important things to know when thinking about adding solar to a home and what to look for when purchasing a home with solar installed.
Alec also shares some great information about other home improvements that can reduce your power usage and out of pocket expenses.
We had a great conversation and I learned a lot about the benefits of solar and ways to be more efficient with our power usage when it comes to residential real estate.
Learn how to properly insure your solar! Setup an appointment and we can review your insurance and help you be financially protected. Looking for a better solution to insure your real estate property? Save money and get a quote today!
