What Are The Advantages of Permanent Life Insurance?

Understand why it’s a good idea to take out permanent life insurance.   Most of us understand that we need life insurance coverage of some form. While many take out term life insurance, which is temporary life coverage, whole life (or permanent) insurance coverage is overlooked. Permanent life insurance is not an insurance product that can be taken lightly, although it can be highly beneficial for many of us. Here are just a few of the advantages of permanent life insurance. It remains … [Read more...]

What is a Statement of Health?

Understanding the basics of a statement of health.   If you’re enrolling in or making changes to a group life insurance or disability plan, you may be asked to complete a Statement of Health (SOH), also known as Medical Evidence of Insurability. Completing this is essential to ensuring you and your loved ones have the coverage that you need for the future. What is a Statement of Health? A Statement of Health is a document containing a series of questions about your overall health. … [Read more...]

Mobile Home Insurance: What to Look For

Find the right home insurance for your portable property.  Your mobile home may have been built in a factory and moved to your desired location, but even today, it isn’t that much different to a site-built single-family home. If you own a mobile home, it’s important that you protect it properly, even if you only visit it for vacation. Mobile home insurance typically covers the same general types of risks as a traditional homeowners policy, along with additional coverage that only applies to … [Read more...]

Understanding Waivers of Deductible in Home Insurance

What you should know about the waivers of deductible clause.  Within your home insurance, you have a deductible. This is the predetermined amount that you agree to pay towards a claim before your insurance policy kicks in to help. What many homeowners don’t know, however, is that some policies will waive your deductible when certain circumstances apply. When your total claim reaches a certain dollar amount, for example, you might not have to pay your deductible. For example, after a fire, … [Read more...]

Common Risks Small Businesses Face as They Grow

Keep these risks in mind as your business grows. Most small businesses expect to grow as their product or service takes off. With that growth, however, come risks. Growth can happen in more than one way, whether the business buys new equipment, hires an employee, or offers a new service. Take a look at the common risks the business owners face as they grow in different ways. Hiring employees You know that your team runs your business. They are responsible for daily operations and bringing … [Read more...]

Does My Auto Insurance Cover a Rental?

Determine whether you need additional coverage when renting a vehicle.  You’re renting a car for the week on vacation and you’ve managed to secure a great deal on a vehicle. When you’re at the desk getting the keys, the attendant asks if you would like to purchase auto insurance coverage. Suddenly, you don’t know what to do. Here is your chance to be prepared at the rental car counter so that you can be on your way faster. I have car insurance. Do I need to buy their coverage, too? This … [Read more...]

Avoid These Common Life Insurance Traps

Avoid falling into these common life insurance traps.  In order to ensure that you get the right life insurance coverage, you should know common mistakes that policyholders make. Choosing an ideal plan for you is not always as easy as it may sound, and even maintaining your plan requires a bit of work. Take a look at these costly life insurance traps and how to avoid them. Choosing the first quote you see Understandably, you want to receive coverage as soon as possible to save precious … [Read more...]

What You Should Know About Solar Panels and Home Insurance

Solar panels and your home insurance policy. Adding solar panels is a big home investment, but it is also eco-friendly and can save you plenty in utility bills over the years. It is a big decision to make and it is wise to know if these expensive solar panels will be covered by home insurance. Residential solar energy installations are typically covered as part of a home insurance policy. That means that, in many cases, covering your solar panels under your home insurance will not create the … [Read more...]

How to Find a Reliable Contractor After a Loss

Securing a contractor after an insured loss. If your home has recently been damaged after a covered loss, you may well already be on the path to finding a contractor who can clean up the damage and repair your property. If there has been a recent storm or disaster in your area, you may find that contractors are knocking on your door offering their services. While this seems easy and convenient to hire someone on the spot, you should make sure that you are hiring the right team for the job. … [Read more...]

The Dangers of Lending Your Vehicle to Someone

Is lending your car to someone worth the risk?   Your roommate just needs to pop to the store and their car is in the garage. Your cousin is visiting from out of town and wants to drive around the city. Your new teen driver wants to visit their friend but they’re still waiting to save up money for a new vehicle. There are plenty of situations in which it makes sense to lend your car to someone you know. However, this doesn’t mean that you should do so. Letting someone borrow your car might seem … [Read more...]

Lou Aggetta Insurance, Inc.

2637 Pleasant Hill Rd
Pleasant Hill, CA 94523

(925) 945-6161 | Phone
(925) 256-7610 | Fax