Entries by Tosten1980

Why Would I Need Renters Insurance if I am in College?

Whether college students need the protection of renters insurance depends on where they live if they move out of their parent’s house. College students and parents often assume that the student’s personal belongings in a college dormitory, apartment, fraternity or sorority house are covered by the parents’ homeowner’s insurance policy. If your child lives in […]

Why Would I Need My Own Insurance If I Rent Space in a Salon?

A salon provides a variety of services to its clients such as hair coloring, cuts, manicures, pedicures, facials, waxing, massages, etc. Most salon owners who rent space do not provide insurance for independent contractors, which could put you financially at risk by not having insurance. As a self-employed independent contractor, it is recommended that you […]

Drone Insurance? Really?

No matter how much aviation experience you have, these small aircraft come with more risk than the average hobby. The Federal Aviation Administration (FAA) now requires every drone owner to register each drone that is purchased weighing over .55lbs. If your drone is NOT registered you may be subject to the legal consequences defined in […]

Do I Need Extra Coverage on My Homeowners’ Policy If I Have a Pool?

Having a pool is a dream for many homeowners. After all, a pool can be the main attraction for families during their summer vacation. However, swimming pools and hot tubs are considered an attractive nuisance because of the increased chances of injury or death linked to pool accidents.Your homeowners’ policy does face a higher premium […]

Why Do I Need Mexican Automobile Insurance?

Sure, Mexico is beautiful, with the blue waters of the Pacific, where surfers from Southern California go to catch a wave just across the border. Some just go for the day along the scenic coast with its breathtaking views. Some take weekend RV trips into Mexico and have a great time, while others are going […]

Travel Medical Insurance… Do I Really Need It?

Traveling abroad can be so exciting, however, unpredictable illnesses or injury can happen. What is worse, the rising medical bills can be financially devastating. Regardless of whether you’re traveling to an all-inclusive resort or a third-world country, you never know what kinds of challenges you could face when you travel abroad. Just because you are […]

Should I Buy Travel Insurance?

Every traveler has experienced some setback in their travel plans: a lengthy delay, cancellation, lost luggage, that’s why Travel Insurance is so important. Here’s it is in a nutshell! Travel Insurance can cover Cancelled or Interrupted Trips, Missed Connections, Lost, Damaged or Delayed Luggage, Medical Emergencies Abroad, Evacuations and every travel insurance company provides 24/7 […]

Landlord Insurance

What You Need to Know Are you a “Landlord”??? Do you rent out one or more residential homes, duplex, apartments, condos. If you answered YES, then you need Landlord Insurance. Here’s what you should know about Landlord Insurance. Being a landlord, you need protection from financial loss that may result from damages to a rental […]

EARTHQUAKES…The BIG One is Coming!

Earthquakes can cause damage that is normally excluded in your Homeowner’s policy. Did you know that a crack in your foundation caused by an earthquake, is not usually covered by your Homeowner’s policy? Knowing that an earthquake is overdue for the Coachella Valley, it’s important to be sure your family will be protected in the […]