Dear Valued Customer, In the event you lose your possessions it’s unlikely that you would be able to recall each item you’ve accumulated over the years. So, we have dedicated this issue of “—————-” to taking a home inventory. Having an up-to-date home inventory will help you get your insurance claim settled faster, verify losses…
In the event of a fire or other disaster, would you be able to remember all your possessions? Having an up-to-date home inventory will help you get your insurance claim settled faster, verify losses for your income tax return and help you purchase the correct amount of insurance. Here’s how to create one. Start your…
Dear Valued Customer, In this issue of “————” we focus on how your credit rating affects your insurance rate. Auto and homeowners insurance companies are among the businesses that are using credit scores to help decide if you’d be a good risk for insurance. A higher credit score suggests you are likely less of a…
There is no secret formula to building a strong credit score, but there are some guidelines that can help. Pay your loans on time, every time. One way to make sure your payments are on time is to set up automatic payments, or set up electronic reminders. If you’ve missed payments, get current and stay current.…
Credit Reports Credit reports list your bill payment history, loans, current debt, and other financial information. They show where you work and live and whether you’ve been sued, arrested, or filed for bankruptcy. Credit reports help lenders decide if they’ll give you credit or approve a loan. The reports also help determine what interest rate they will…
You never know when a disaster may strike—but you can be prepared with a home inventory. Having an up-to-date home inventory will help you: Purchase enough insurance to replace the things you own. Get your insurance claims settled faster. Substantiate losses for your income tax return. GETTING STARTED There are many ways to create a…
Insurance scores and credit scores differ. Credit scores predict credit delinquency while insurance scores predict insurance losses. Both are calculated from information in a credit report, such as outstanding debt, bankruptcies, length of credit history, collections, new applications for credit, number of credit accounts in use, and timeliness of debt repayment. Insurers or scoring agencies…
To adequately insure high value items, consider a floater A standard homeowners policy includes coverage for jewelry and other precious items such as watches and furs. These items are covered for losses caused by all the perils included in your policy such as fire, windstorm, theft and vandalism. However, there are special limits of liability…
The first thing you should think about after buying a piece of jewelry is to make sure it’s insured against loss, damage, or theft. Here are five tips to help you protect your investment: Check with your insurance agency to find out whether expensive jewelry is covered under your existing policy — they may only…
Dear Valued Customer, In this issue of “—————–” we focus on the special coverage you may need to ensure your valuables are adequately protected. Read the five tips to help you protect your jewelry. Learn about special coverage for valuables, and how to take a home inventory. Taking a few simple precautions can mean the…
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Landscape Contractors Insurance Services, Inc.
A Division of World
1835 N. Fine Ave, Fresno CA 93727
Tel (800) 628-8735 Fax (559) 650-3558
CA LIC # 0755906