Vaught Wright & Bond
P.O. Box 1328
533 Main Street
Placerville, California 95667
Phone: 530-622-1835
Toll-Free: 800-652-0168
Email Us
CA Lic. #00448556

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Policy Services

Personal insurance

Think Again Before You Start Your Next Remolding Project

bigstock Do It Yourselfer 45244675 300x199 - Think Again Before You Start Your Next Remolding ProjectMany people are planning a home remodeling project for the spring or summer.  These projects may include a new backyard, kitchen or addition for the expanding family. Whatever the project, you need to protect yourself from the financial risks and hazards associated with a home remodel project.

If you are planning on hiring a contractor or construction company to help you with your project, keep these tips in mind. Following these guidelines will help reduce your risk and increase your chances for a successful, and hopefully stress-free, project.

  1. Before you hire a contractor ask for references. The Better Business Bureau is a good place to start.
  2. Know what you want and have a specific list of products, including the brands. For example, if you want a furnace, be specific about the type and brand. There are many brands; some good and some not so good.
  3. Always have a written contract with a competition date.
  4. Go visit other homes on which the contractor has worked.
  5. Some contractors may ask for100% of the payment upfront. Never do this. A small (10% to 15% upfront is normal)

Bonus Tip: Make sure the contractor is insured. Ask for a certificate of insurance for general liability and workers compensation.

Homeowner’s Insurance

If you are increasing the value of your home as a result of the remodel, you will need to make adjustments in your homeowner’s insurance limits. Your homeowner’s insurance will not cover the contractor or his work. If the contractor causes damage to your home, you will want their insurance to provide restoration.

When was the last time you reviewed your personal insurance coverage? The New Year is a great time to review your personal insurance. Most of us know that major life events can make it necessary to update our insurance coverage. But did you know that even subtle changes can have an impact on your financial needs and plans?  Call our office today, and we can help you find the right combination of personal insurance coverage and price.

At Vaught Wright & Bond, our Personal Insurance specialists work with you to tailor an insurance program to protect your family, home, auto, and other valuable possessions at the most reasonable costs our carriers can provide.

 

Are Rideshare Drivers Covered By Their Auto Insurance?

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If you drive your personally owned auto for Uber, Lyft, or even a pizza delivery company, your personal auto insurance will not provide coverage you need, should you be involved in an accident.  Uber and Lyft are “rideshare” services that compete with taxis and more traditional car transport services. These companies do not own or operate their cars and do not hire their drivers directly. Drivers are independent contractors who drive their own vehicles to pick up and drop off customers. Here are two big coverage gaps:

  • Your personal auto insurance policy excludes liability for hauling others for a fee.
  • These rideshare companies also require liability limits above the state minimums.

There are a number of insurance companies now offering specific auto insurance coverage for ridesharing risks.

Here are a few tips for rideshare drivers.

  1. Purchase a separate policy with at least a $1,000,000 limit.
  2. Read any, and all, agreements so you know what your responsibilities are.
  3. Keep your vehicle in good working condition.

We can design a policy for you to help you minimize the high cost of insurance. We recommend auto liability and physical damage coverage. Whatever you do, do not go without auto insurance as that can create many more problems for you.

Many people don’t fully understand what their auto insurance policy covers and excludes. To avoid making costly assumptions, it pays to know what’s included in your policy. We are here to help answer all your insurance questions.

At Vaught Wright & Bond, our Personal Insurance specialists work with you to tailor an insurance program to protect your family, home, auto, and other valuable possessions at the most reasonable costs our carriers can provide.

 

A New Year May Mean You Need An Insurance Review

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A California Insurance Update

If the last time you had an insurance review was when the 49ers won a super bowl, it is time to have us review your business and personal insurance. Our team is ready to help you understand how your insurance needs have changed over time.

Here are a few examples of how life changes may impact your insurance.

  • How often do you travel out of the country?
  • Do you have any domestic employees?
  • Has there been any changes in marital status?
  • Are you involved in any nonprofit organizations?
  • Do you own a business and operate from your home?
  • Do you own a second home?
  • Do you drive for Uber?
  • Do you own any unique collections of art, wine, cars, or guns?
  • Are there any children in college?

Your insurance needs to change with your life. We offer a broad range of personal insurance products that are designed to meet your individual needs. We can help you find am insurance product that suits your individual needs. Don’t wait for another second to ensure your home is adequately insured. Call us today for more info on your options for personal insurance coverage.

At Vaught Wright & Bond, our Personal Insurance specialists work with you to tailor an insurance program to protect your family, home, auto, and other valuable possessions at the most reasonable costs our carriers can provide.

 

 

 

How To Reduce Your Auto Insurance Premiums

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California Auto Insurance

When it comes to purchasing California auto insurance, having options can be a very important way to save money. Putting money back in your pocket is one of our primary goals.  We know and understand the auto insurance market.  This allows us to provide you with the best possible combination of pricing, coverage and service.

Auto insurance rates differ from company to company, so it really pays to have us shop your insurance. Some markets offer better rates for trucks, RV and campers, while others can offer better rates for motorcycles.

How to reduce your auto premium

There are many things you can do to keep your auto rates at the lowest level possible.

  1. Review your deductibles. According to the Insurance Information Institute, raising your deductible from $200 to $500 could reduce your Collision and Comprehensive costs by 15 to 20 percent.
  2. Encourage your student driver to get the best grades possible. Most major insurance companies offer a discount for students in good academic standing.
  3. Select a safe car. Check out which cars are popular with thieves and avoid them. Also, the more expensive the car, the higher the premiums.
  4. Be a safe driver. The more accidents and tickets you have, the higher the premiums will be.
  5. Purchase a car with an alarm or LoJack. LoJack® Stolen Vehicle Recovery System provides car owners with peace of mind knowing that if their vehicle is stolen, they have the best chance of getting it back.
  6. Be loyal. Many auto insurance companies offer loyalty discounts if you stay with them over time.
  7. Check for other auto insurance discounts. These might include taking safe driver courses, senior discounts and more.

You might be able to pay less for your car insurance premium and not even know it. So it pays to connect with us to review your insurance needs. At Vaught Wright & Bond, our Personal Insurance specialists work with you to tailor an insurance program to protect your family, home, auto, and other valuable possessions at the most reasonable costs our carriers can provide.

Agritourism Insurance

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California Agritourism is any activity that allows members of the general public on your farm property for recreational, entertainment, or educational purposes. Agritourism activities include everything from a bed and breakfast, a corn maze, an educational field trip, a store or wine tasting, to “pick your own” and roadside farm stands. It is important to understand your increased farm liability, by having visitors on your property.

Here are issues to remember

Almost 36 million people visit farms, winery’s and ranches each year according to the US government. Most visitors are unfamiliar with the agricultural environment. Owners need to ensure the safety and health of all guests visiting their operations.

Residing in the heart of the foothill wine country, as well as a stone’s throw from “Apple Hill,” we understand the needs of farmers.

Here are a few safety tips for you to consider as part of your Agritourism activities:

  • Develop emergency plans just in case the worst happens. Have procedures in place for major   injuries, heart attacks, pet bites, and more.
  • If you serve food make sure you follow all the state food handling policies.
  • Make sure you have traffic control procedures and extra staff if needed.
  • Address the safety issues with all ponds, machinery, and chemicals.
  • Do you use outside vendors? If so, make sure you obtain certificates of insurance.
  • If you have rides of any kind you should require a waiver of liability.
  • Have safety equipment such as fire extinguishers and first aid kits throughout the farm.
  • Use signs to post rules and vehicle speeds.
  • Train your employees on all safety measures.

Implementation of these guidelines is not intended to absolve the farm and ranch owner of all liability. They are, however, intended to reduce the risk of a guest being injured and to demonstrate a “good faith” effort to protect guests.

Our home office is in Placerville, California, El Dorado County, but we insure customers across California, Oregon, and Nevada! We are your source for Allied Insurance, Hartford, Grange Insurance, Blue Cross, Nationwide, Blue Shield, Travelers Insurance, State Fund and dozens more!

 

 

 

Insurance for Newlyweds

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What Kind Of Insurance Should Newlyweds Have?

Congratulations!  You have decided to share your life with that special person.  Your honeymoon is over and you are settling into your new life together. Now is the time to start thinking about how to protect that life, especially as you start to make plans for the future.  Personal insurance protection is a good way to help make sure your dreams come true.

Personal Insurance Considerations for Young Married Couples

  • Life insurance. Now may be a good time to consider life insurance. Life insurance offers replacement income and peace of mind for your spouse.
  • Health insurance. You must have health insurance.  If it is not provided by your employer, you can purchase coverage on an individual basis.
  • Renter’s Insurance. If you rent, do not go without renter’s insurance. Renter’s insurance can provide coverage for damage to, or loss of, personal property, and also cover your personal liability.
  • Auto insurance. You will also want to review your auto coverage. If you each have a car, and they are insured in your individual names, combining them into one policy may qualify you for a multi-car discount from the insurer.
  • Your Wedding rings. You will want to insure your wedding rings for theft or accidental loss.
  • Do you own a home business? Many young people have home based businesses; if so, you may need business insurance.  Call your agent today.

At Vaught Wright & Bond, our Personal Insurance specialists work with you to tailor an insurance program to protect your family, home, auto, and other valuable possessions at the most reasonable costs our carriers can provide.

Wildfires Are A Real Risk For California Homeowners

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According to the Federal Government, almost 90 percent of the wildfires in the United States are caused by humans.  Wildfire can occur is the country and major cities. Wildfires can start in a vacant lot and spread to the neighborhood very quickly. From January 1 to March 31, 2017, there were 13,458 wildfires, compared to 9,218 wildfires in the same period in 2016. Source; iii.org

Wildfires And Homeowner’s Insurance

Unlike earthquakes and floods, wildfire damage should not require a completely separate policy, and probably does not even require a high risk policy. It is a good idea, however, to know what your homeowner’s policy does cover.  In many cases wildfires are covered, but it is always good to call your agent for a homeowner’s insurance review.

If your homeowner’s policy covers wildfires it would normally protect the building and contents from a covered loss. In addition, you will need additional living expenses if you must leave your home during re-construction.

Wildfire Prevention

Become familiar with your community’s disaster preparedness plans and create a plan for your family. Identify escape routes from your home and neighborhood and designate an emergency meeting place for your family to reunite if you become separated.

  • Use fire resistant materials for roof and home construction.
  • Keep wood piles at least 30 feet from your home.
  • Create a 100 foot safety zone around your home.
  • Prune trees within 15 feet of any chimney outlet.
  • Follow local ordinances when burning yard waste. Avoid backyard burning in windy conditions, and keep a shovel, water, and fire retardant nearby to keep fires in check. Remove all flammables from your yard when burning.
  • Make sure that fire vehicles can get to your home. Clearly mark all driveway entrances and display your name and address.
  • Teach children about fire safety. Keep matches out of their reach.
  • Keep roofs and gutters clean and free from debris.
  • Have a ladder that reaches your roof.
  • Have an extra-long hose.
  • Rake leaves, dead limbs and twigs. Clear all flammable vegetation.
  • Back as many vehicles as possible into the garage, then close the door. In the event that you evacuate, remember to close the garage door behind you as you leave. If you do not have a garage or if yours is full, park your vehicles heading in the direction of the evacuation route.

At Vaught Wright & Bond, our Personal Insurance specialists work with you to tailor an insurance program to protect your family, home, auto, and other valuable possessions at the most reasonable costs our carriers can provide.

When These Life Events Occur, You Need an Insurance Checkup

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We often get asked the question, “When should I have my personal insurance reviewed?”  Remember, if you bought your personal insurance online, you do not get a review, you are on your own.  Most of us know that major life events can make it necessary to update our insurance coverage.  However, did you know that even subtle changes could have an impact on your financial needs and plans?  Call our office today, and we can help you find the right combination of coverage and price.

Many life events might trigger a call to your personal insurance agent.  It does not matter if you own or rent, these life situations require a change or update to your personal insurance.

  • Have you bought or sold a car?
  • Has your marital status changed?
  • Is a parent now living with you?
  • Do you work from home?
  • Did you buy a boat, RV, or ATV?
  • Did you change your address?
  • Always let your insurance agent know if you install a pool or trampoline.
  • Have you welcomed a new baby into the family?
  • Did you acquire a dog that may be on the insurers watch list?
  • Have you remodeled your home in a way that may increase your home value?
  • Have you received a major inheritance?
  • Do you have a new teen driver in the family?

At Vaught Wright & Bond, our Personal Insurance specialists work with you to tailor an insurance program to protect your family, home, auto, and other valuable possessions at the most reasonable costs our carriers can provide.

 

Flood Insurance, Do You Really Need It & Is It Worth It?

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Flood Insurance

Many homeowners decide to go without flood insurance. Some people figure the odds are low that anything will happen, while other people think that a flood is covered under their current policy. Let us correct you; unless you have added flood insurance coverage, it is excluded. We agree that the probability is low, nonetheless, it does exist. Now is the time to consider California flood insurance especially if you live on the side of a hill or mountain, or close to water. The average flood claim for U.S. homeowners is about $30,000, according to the National Flood Insurance Program.

Flood Defined

According to FEMA, a flood is defined as an overflow of tidal waters, rapid accumulation or runoff of waters from any source, mudflow, or collapse of land as a result of erosion caused by waves of water. You do not have to live close to water to have a flood loss.

Flood Insurance & Your Homeowners Insurance

All homeowner’s policies exclude flood. You need a separate policy to cover a flood loss. If you live on a hill you are still exposed to a possible flood loss from water run off above your property. We recommend that homeowners. Even those who do not live in designated flood plains need to weigh the dangers and consider buying flood insurance.

If you rent your home or live in a condo, you can buy flood insurance for just your possessions.

The National Flood Insurance Program (NFIP) offers coverage and we can help you secure affordable coverage.  We will review your property and location and review the NFIP and other private markets with whom we have relationships with. We bring our expertise to provide you with the best possible combination of coverage, price and service.

 

Have You Reviewed Your Insurance Policy Lately?

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Have you ever stopped to think about all the things that could cause damage to your home and personal property? Probably not, but we think about your personal insurance coverage every day. Your homeowner’s insurance is designed to protect you from claims that can come from many different events. We can design a homeowner’s insurance product that fits your individual needs. Here are a few of the kinds of events that can be covered under your roof.

Damage To Your Home Can Include

  • Fire and smoke damage
  • Lightning strikes
  • Falling objects
  • Explosion
  • Vandalism and malicious mischief
  • Theft
  • Windstorms and hail
  • The weight of ice, snow or sleet
  • Water damage
  • Damage from an aircraft, car or vehicle

What is Not Covered Under Your Roof

A standard homeowner’s insurance policy will not cover; earthquake, flood, wear and tear, damage from animals, mold, acts of war, government actions, tenant damage, defective work, plus others.

Personal Property

Your homeowner’s insurance can also cover your personal belonging. This might include; cloths, furniture, and other items.

Do You Have A Leak In Your Roof?

Do you have coverage for additional living expenses if you are required to move out of your home while it is being repaired? If you own guns, art, or other collections, you may need additional coverage. Is your expensive jewelry cover while away from your home? If you don’t know the answers to these questions, call us today.

No two situations are exactly alike, so in order to be protected, coverage needs to vary case by case. We have the markets for homeowner’s insurance, auto insurance, umbrella insurance, and policies for your RV and ATV, fine arts, or motorcycles. We also offer wedding insurance for your special event. We offer the best coverage, including Allied Insurance, Travelers, Hartford, Grange, CIG, Met Life, and many others.

At Vaught Wright & Bond, our Personal Insurance specialists work with you to tailor an insurance program to protect your family, home, auto, and other valuable possessions at the most reasonable costs our carriers can provide.