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Beissel & Cobb Insurance Services, Inc. Blog

View the latest blog posts from Beissel & Cobb Insurance Services, Inc..

Monday, May 9, 2022

May agency promotion

As an agency we are committed to supporting our local community.  We support our community through our service projects, volunteering efforts, and donations.  In April for every new policy written a donation was made to the Helen Woodward center in the name of the policyholder. READ MORE >>

Thursday, October 21, 2021

Insure to Value

The idea of insuring to value is straight ahead, insure your property to the limit that is needed to repair/replace the property.  The problem is that the replacement value of your property is not determined until after a loss has occurred, and there can be ide variations in the estimated cost to rebuild your property. READ MORE >>

Wednesday, October 20, 2021

Commercial Coverage Recommendations

Commercial insurance is fundamentally different from Residential Property in that with most insurance policies there is no extension endorsement available.  Residential carriers often offer extended replacement cost endorsements with options of 25% and 50% available. READ MORE >>

Tuesday, October 19, 2021

Extended Replacement Cost

In California insurance carriers offering residential property coverage (home) must disclose the different options available.  The primary options are: Guaranteed Replacement Cost - there is not a limit on how much the carrier will pay to rebuild your home. READ MORE >>

Monday, October 18, 2021

Certificate of Insurance / COI

There is often great confusion regarding a Certificate of Insurance (COI) around what it actually does and what people assume it does.  A COI is NOT an insurance contract.  A COI provides no rights or guarantee of coverage to the COI holder.   A COI provides zero certainty that a claim will get paid. READ MORE >>

Sunday, October 17, 2021

Clarification

I had business client reach out to me recently with a question on a personal auto quote he had received from a different agent.  In short, my client understood the quote to be for an annual term, while the quote was actually for a  six month term. READ MORE >>

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  • 2022
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