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Saving Money and Making Life Simpler

Have we quoted your Home and Auto policies as a bundle?
 
Bundling your insurance can save you money. Many insurance companies offer 5% - 25% discounts if you have more than one policy with them. Also, with your policies at one agency there is only one number to call instead of having to remember where to call for each policy you have.
 
Curious if bundling may benefit you? Let us do the shopping and comparing, we work with multiple carriers and are able to find you the best cost and coverage for your specific situation.
 
                                                   --Click HERE to get started--
24/7 Flood Insurance Quotes
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With the link below you can now get instant flood insurance quotes 24/7.

                  https://www.teamcia.net/flood-insurance-quote.html
Volume 5 | February 17, 2023

What is Umbrella Insurance?

Even a minor accident could result in a costly lawsuit that exceeds your home or auto insurance coverage...That's where umbrella insurance comes in.

Think of umbrella insurance as an extra layer of protection that helps safeguard your assets and finances.

Umbrella insurance is not just for the wealthy or those with high net worth. Anyone can be at risk of a lawsuit, and the cost of an umbrella policy is much less than the cost of a legal settlement.

                                   --Do you have an umbrella policy?--

What is Service Line Coverage?

Service line coverage insurance is an optional insurance that can help protect you from unexpected costs due to the failure of underground utility lines or pipes that run from your home to the street.

This type of coverage helps cover the costs of repairs or even full replacement of service lines that are damaged due to wear and tear, tree roots, or other causes.

Without service line coverage, you could be left with a hefty bill and the inconvenience of living without water, gas, or electricity while the repairs are being made.

--Does your current homeowner insurance policy have this coverage?--
Image Credit: Sacramento Area Sewer District
Volume 4 | January 10, 2023


Current Storm System: What about Flood coverage?
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Homeowners may believe flood insurance is part of their home insurance.
 
  • Flood insurance coverage is written on a completely separate policy from homeowner insurance.
  • You do not have to live near a creek, lake or body of water to experience a flood loss (Rain accumulation can occur anywhere).
  • There is a difference between "flood damage" and "water damage". Flood damage is caused by natural sources such as storms and rivers. If a river in your neighborhood rises over its banks into your home, that's flood damage as well as the accumulation of water in and around your home.
  • Flood damage: damage caused by Mother Nature's external force.
  • Water damage: damage caused by plumbing, backed up toilets, wear and tear on a roof, or human error (think someone leaving a window open and a heavy rain getting into the house and on the carpets).

Filing A Claim / Should I File a Claim?

I've received questions from clients, friends and family asking:

"How do I file a claim?" or "Should I file a claim?"

The answer to the first question is easy, call your Agent (hopefully that's me) so we can get the process started.

The answer to the second question is more complicated. I would be happy to go over your specific situation with you (even if I'm not your Agent...currently).
​Volume 3 | December 23, 2022

Windshield Replacements can be EXPENSIVE!

Earlier this year we needed to replace the windshield on my wife's vehicle. Like many newer vehicles her car has a lane departure system. This valuable safety feature uses sensors somehow connected to the windshield. Having the windshield replaced requires these sensors to be recalibrated. I mention this because the recalibration service runs in the hundreds of dollars (total bill before insurance came out to over $1,000!).

Do you know your glass deductible on your auto policy??

Wishing you and yours a Merry Christmas!

Thank you for putting your trust in our agency.

This is the first Christmas for Camara Insurance Agency and we look forward to serving you for years to come.

(This ornament was a gift from one of our favorite business partners)
Volume 2 | November 8, 2022

Have you downloaded our App?

24/7 access to everything you need. Life can be unpredictable. You can count on us to be there for you, ensuring things happen promptly and efficiently, always with the goal of getting your life and business back to normal as quickly as possible.

Costs all around us are going up...

According to the U.S. Bureau of Labor Statistics, prices of goods and services have gone up over the last three years. So far in 2022:
  • The cost of Auto Parts have gone up 12.19%
  • The cost of Roofing Materials have gone up 16.29%
  • The cost of Attorney Fees have gone up 5.89%

If your Home or Auto policy renewal seems high, let's have a conversation and see if we can save you money by switching to another Carrier.

Last month we were able to save one client in a high fire area thousands of dollars.
Volume 1 | October 12, 2022

Saving Money and Making Life Simple
​
Have we quoted your Home and Auto policies as a bundle?
 
Bundling your insurance can save you money. Many insurance companies offer 5% - 25% discounts if you have more than one policy with them. Also, with your policies at one agency there is only one number to call instead of having to remember where to call for each policy you have with different agencies.
 
Curious if bundling may benefit you? Let us do the shopping and comparing, we work with multiple carriers and are able to find you the best cost and coverage for your specific situation.
 
Give us an opportunity to be your one stop shop and make your life easier!