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...]

What to Do If Your Health Insurance Claim is Denied

How to handle getting your health insurance claim denied. If you’ve ever had a health insurance claim denied, you know how stressful it can be. However, just because your insurer will not pay for your treatment or services doesn’t mean you need to rush to take out a loan or deplete your saving account. Take a look at these tips that can help you navigate the process of having your claim denied. Find out why it was denied. If your health insurance claim was denied, it’s a good idea to … [Read more...]

How Does Creating a Trust Affect My Insurance Policies?

What you should know about your trust and insurance policies.   Trusts are commonly used structures for wealthy families. Your attorney may recommend that you place all of your assets in a trust. This trust will preserve your assets against lawsuits and against the need to “spend down” to qualify for financial assistance. It also allows your assets to pass to your beneficiaries without going through probate. Before you put all of your worldly goods in a trust, you need to know how it will … [Read more...]

What are the Responsibilities of a Life Insurance Policyholder?

Are you aware of your responsibilities as a policyholder? For most people, insurance is something they buy and then forget about. When it comes to life insurance, extra care and TLC is required. After all, you need to make sure your policy keeps up with you throughout the years. You may already review your coverage once a year, but here are some duties that you may not have realized you are responsible for as a life insurance policyholder. Know who your life insurance company is. It … [Read more...]

Is My Home Liability Insurance Enough?

Determine how much liability insurance you need.   All home insurance policies generally cover two main areas: property and liability. Property insurance covers your home, any detached structure, and your personal items. Liability insurance will cover negligent acts you commit if you are deemed responsible. If someone gets injured or their property is damaged and you are at fault, they could file a suit and you could be looking at a huge expense. Liability covers you against bodily injury or … [Read more...]

What is an “Additional Insured”?

What businesses should know about an additional insured. These days, every business large and small has insurance. Yours should be no exception. If you’ve come across the term ‘additional insured’ and are confused about what exactly it means for your business, you’ve come to the right place. Within an insurance policy, an additional insured refers to anyone other than the policyholder who is covered by the insurance policy. Depending on the policy, coverage might be limited to a single … [Read more...]

Fire Prevention Safety Tips for the Holiday Season

Fire safety tips for your winter festivities.   Although California isn’t known for its ice and snow in winter, the cooler temperatures mean we spend more time inside and enjoying the festivities of the season. Along with the holidays comes an increased risk of fire. From Christmas trees to decorative lights to holiday candles, the festive period often sees a spike in home fires. To keep the flames at bay, take a look at our top fire prevention tips for the holiday season. Decorations: … [Read more...]

What to Do With Pets in an Emergency Evacuation Situation

Making a disaster plan for your pets.   California can face wildfires and storms, even during the winter months. No area is immune to evacuation, which is why it pays to be ready at any time. For most people, disaster preparedness means packing a bag, keeping your car stocked, and preparing just in case local authorities recommend evacuation. But do you know how to prepare for evacuating for your pets? Emergency evacuation with pets is more complicated than tossing your furry friend in the car … [Read more...]

Lou Aggetta Insurance, Inc.

2637 Pleasant Hill Rd
Pleasant Hill, CA 94523

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