3 Important Health Insurance Terms Everyone Should Know

Common health insurance terms and definitions.   Whether you’re looking for your first health insurance policy or you’re finally reviewing your current coverage, you may quickly realize that there are certain terms that don’t make sense. We know just as well as anyone that the language of health insurance can be hard to understand. That’s why we’ve rounded up a few of the most important terms to know so that you can get a better understanding of your policy. Deductible A deductible is … [Read more...]

Situations When You Should Call Your Home Insurer

Pick up the phone and call your insurer in these situations. Homeowners insurance is one of those things that homeowners hope they never have to use. They know that they have protection in place if needed, but they hope that a disaster never presents itself. Unfortunately, there are some situations where you should call your home insurer. Knowing when to pick up the phone can make a big difference in getting back to normal. Here are just a few situations in which  you should give your … [Read more...]

Does Your Home Insurance Cover Land and Mudslides?

Protecting your home and belongings from landslides and mudslides.   Many homeowners are under the misconception that their homeowners insurance covers all mass-destruction events. However, this is often not the case when dealing with standard home insurance. Reports of heavy rain, mudflow, and earth movement may have homeowners wondering if their policy covers damage from landslides and mudslides. Typically, homeowners insurance doesn’t cover damage from landslides or mudslides. This is … [Read more...]

Why Am I Required to Have Flood Insurance When I’m Not Near Water?

Some homeowners may need flood insurance even if they’re not near a water source.   When we think of floods, we usually think of natural disasters, such as hurricanes, that completely devastate homes and cities. However, floods can happen just about anywhere, and they aren’t always devastating. Even just an inch of water can destroy a home’s foundation, belongings, and cause upwards of $25,000 in damages, according to FEMA. Even though some homes may not be located near the ocean or river, … [Read more...]

Does My Homeowners Policy Cover Mold?

Determine if home insurance typically covers mold damage. Have you noticed patches of mold in your home? If so, you’re not alone. Many homes suffer from mold, and it takes time and elbow grease to get on top of it and to stop it from spreading further. If the mold is damaging your property, you may be tempted to turn to your home insurance policy for help. But, does your policy cover mold? Typically, home insurance policies don’t cover mold issues that result from a preventable water leak, … [Read more...]

Common Signs Your Property Needs a Roof Replacement

Signs you should consider getting a new roof.  A commonly overlooked factor of home protection is the roof. Most homeowners are under the misconception that roofs last a lifetime and only need the odd repair. However, this simply isn’t the case. Your roof is constantly exposed to weather conditions and natural disasters. Over many months and years, this takes a toll on the roof. Below are a few warning signs that you should look out for that indicate your roof is wearing thin. It’s Old A … [Read more...]

How to Show Your Community Some Love This Valentine’s Day!

Get active in your local community this Valentine’s Day! It’s that time of year again! Love is in the air and people everywhere are buying chocolates, flowers, and cards for their loved ones. On this day, don’t forget to spread the love around your local community. A little goes a long way, and bringing cheer to the area can only help people feel inspired and grateful. Here are a few ways to show the community some love this Valentine’s Day! Spread the love Whip up a few cookies or bake … [Read more...]

The Importance of a Landlord Policy for Renting Our Your Home or Condo

Why landlords need adequate insurance.   Being a landlord is an exciting prospect. However, renting out property is never going to be a risk-free activity. That is why it is so important to ensure you have landlord insurance when you rent out a property such as a home or a condo. What is landlords insurance? Landlords insurance is an insurance policy that is designed to cover the property owner from financial losses connected with rental properties. The policy covers the building and has … [Read more...]

3 Big Life Insurance Blunders to Avoid

Avoid making these common life insurance mistakes. Life insurance is designed to provide a financial safety net for families. It sounds simple, but decisions over whether and how much to buy can get complicated. Life insurance mistakes can be costly – and hurt your family when you are gone. When you’re shopping for coverage, take note of these common mistakes so you know what to avoid. Mistake No. 1: Buying too much or too little insurance. Not everyone needs life insurance. Some … [Read more...]

Does Commercial Insurance Cover Floods?

Protect your business from flooding with insurance.   As a business owner in California, you may not think about the possibility of filing a flood insurance claim. After all, the weather is pleasant year-round – mostly, anyway. Even so, it’s important for business owners to consider floods and be adequately prepared for them. After all, all it takes is one storm or one water source to overflow for your business to get flooded. Many business owners are under the impression that their standard … [Read more...]

Lou Aggetta Insurance, Inc.

2637 Pleasant Hill Rd
Pleasant Hill, CA 94523

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