The Insurance Family Blog

There is a very simply answer to the question, ‘why use a broker?’ And the simple answer is because it makes life easier.

Nothing against these popular car manufacturers, but the statistics show that Californian’s favor these car brands just as much as car thieves do! The Honda Accord, Honda Civic and Toyota Camry car models have topped the California state lists of the most popular stolen vehicles in 2010 according to data that was published recently by the National Insurance Crime Bureau.

Generally speaking, we don’t think of restaurants as dangerous places but the truth is an incident can occur at any time and it’s essential that your restaurant insurance policy covers it.

No one knows the devastation a brush fire can cause more than a California homeowner.  With some of the most active brush fire districts in the world coupled with some especially dry summers, it makes sense that California homeowners would be especially keen on protecting their homes. Obvious signs are a warm summer afternoon with low humidity - a perfect atmosphere to cultivate a brush fire.

During the summer months, it is essential that you have a home insurance policy that protects your home from the risk of fire.

When running a restaurant business in California, dealing with the ins and outs of restaurant insurance is something most owners would rather avoid. However it is imperative as an employer and as a business owner to have valid insurance coverage. It is also vital to adhere to the guidelines set down by the insurance company or the coverage could be invalidated.

In California, we take pride in our homes. Especially when it comes to protecting them, we want to do everything we can to insure our homes from as many risks as possible. Unfortunately, every year, California fires destroy property and even take lives. 

At Sutherland-Scherff, we are all for giving Californians the best premium rate possible on their car insurance. The premium for car insurance is calculated based on a host of factors, including age, gender, occupation, driving history, vehicle type and primary location of the vehicle. Based on individual circumstances the premium can vary, but we always strive to give our customers the best possible car insurance premium.

For those sensible people among us, life insurance is something we all take out at some point. But is there a standard formula for life insurance premiums, or do Californians need to speak to a professional for advice? Is it better to take out term or whole life insurance? We examine the factors. 

Natural disasters seem to be striking with regularity recently not only around the world, but also within the U.S., and even inside the state of California. This is prompting many homeowners to reexamine their homeowners’ insurance coverage, which we at Sutherland-Scherff fully recommend. For many Californians, the idea of earthquake insurance coverage will spring to mind. But just because this is an obvious coverage to consider, homeowners shouldn’t overlook other aspects that may not be addressed in their existing insurance coverage.