Why People Put Off Buying Life Insurance (and Why They Shouldn’t!)

Common reasons people don’t buy life coverage. It’s not uncommon for families to put off buying life insurance. The excuses that come up are usually the same. Purchasing life insurance may not seem like a priority but accidents can happen when you least expect them. When you put off buying life insurance, your family members are the ones who are at risk. Take a look at the most common reasons people put off buying life insurance and why they shouldn’t. “I’m healthy, I’m not going to die … [Read more...]

What is ALE and How Does It Help?

The basics of additional living expenses.  When a fire or other covered peril rips through your property, whether it’s a fire or a natural disaster, your home may become unfit to live in. Fortunately, all is not lost. Your homeowners insurance policy will provide Additional Living Expenses (ALE) coverage that becomes a lifeline for homeowners who are forced out of their homes due to fire, natural disasters, floods, and more. ALE, sometimes called “loss of use” coverage is reimbursement for … [Read more...]

Does the Local Crime Rate Impact My Auto Insurance?

How crime rate can impact the price you pay for car insurance.   Insurance companies have a number of factors to consider when determining your home insurance rate. Much of your monthly premiums will come down to your personal history, vehicle make and model. What many motorists forget is that their ZIP code is taken into account when insurers are determining premiums. The location of your car (at least, where it is parked overnight) will play a large role in calculating costs. If you live … [Read more...]

Smart Home Devices for a Happy and Healthy Pet

Creative home devices that help you to keep an eye on your pets.  If you have a four-legged furry friend at home, then it’s likely that you’ve experienced some guilt leaving them for work or vacation. Pets are a big part of the family, and not being able to check up on them throughout the day can be a problem. Take a look at these smart home devices that will make a large difference in your pets life from afar. Pet-specific cameras An evolution in camera technology has resulted in a new … [Read more...]

How to Balance Life and Tech

Find tech-life balance with the help of these tips.  Most of us are glued to our smartphones, smartwatches, tablets, and computers for the majority of the day. In a world where we’re more connected than ever before, it is often necessary to disconnect to recharge our own batteries. Technology has a way of allowing us to stay connected with everyone and make day-to-day life easy, but it can also lead us to miss out on being in the present for moments that matter. To improve your tech-life … [Read more...]

Why Your First Home Should Be an Investment Property

First-time home buyer tips. First-time buyers are usually in an enviable position. This is because they often have lower levels of debt than those already on the property ladder. Yet, they may also have lower levels of available upfront capital and savings. While many people are still hesitant to hop on the property ladder until they find their forever home, there are some great reasons to think of the first home as an investment property. Where you want to live is not always … [Read more...]

How to Use Public Wi-Fi Safely with These Tips

Stay safe while using public Wi-Fi.  Accessing the internet isn’t normally a problem when you’re inside the confines of your own home. It’s secure and easy to connect to. While public Wi-Fi has made our lives a little easier and more connected, it also raises some security risks to personal information. To help stay safe while using public Wi-Fi, read on. Always connect to secured public networks whenever possible. If you can’t connect to a secured network, using an unsecured network may … [Read more...]

Driving in Summer Heat: How to Stay Cool on the Roads

Summer driving tips to stay cool this season.   The sun is shining and summer is here! There’s nothing ahead but miles and miles of enjoyment. Even though you may love being behind the wheel on a nice warm day, trouble can occur when the temperatures increase. To help keep you on the go, check out these tips to handle the heat of the season while behind the wheel. Before you hit the road when it’s hot outside: Check your cooling system (or have a professional do it). Make sure you have … [Read more...]

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...]

Lou Aggetta Insurance, Inc.

2637 Pleasant Hill Rd
Pleasant Hill, CA 94523

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