Today’s tip of the day!
If you’re a homeowner, something to check on your home insurance policy is your “building ordinance” coverage. First off, make sure you have it and then check the limit. A common amount is 10% of your dwelling coverage, which a lot of times isn’t enough if it’s a total loss. This covers you for any city, county and/or state mandated code upgrades when rebuilding. This stuff can add up if you aren’t careful! #bravo#bravoagency#farmersinsurance#wearefarmers#homeinsurance#insurance#tipoftheday#happymonday
I preach this every single day. Having life insurance at work is fantastic and great benefit to have, however it should supplement your overall need and coverage. Don’t depend on it cause you don’t own it. Just like you don’t own your company car or your employer provided health insurance. Own at least SOMETHING yourself #bravo#bravoagency#tipoftheday#lifeinsurance
0 1729 August, 2019
Today’s tip of the day!
Did you know renters insurance covers your personal property if something happens? A misconception is that it only covers you for your stuff at your residence, however with us you get coverage outside of your home too. If your car gets broken into and you have stuff stolen, or you have stuff in a storage area etc. It’s also SUPER CHEAP! Talk to your carrier or let us know if you want to look at a quote. If something happens getting something is better than nothing in my opinion. #tipoftheday#bravoagency#bravo#farmersinsurance#wearefarmers#rentersinsurance#insurance#happythursday#knowledgeispower
0 529 August, 2019
Today’s tip of the day! Are you thinking of putting your home up for rent with a place like AirBnB or VRBO? Make sure you check your homeowners insurance policy first. There are a lot of things, especially on the liability side, that aren’t covered for this. Also, landlord policies typically only cover non-occupied long term rentals. Make sure you have the right coverage in place and ask your carrier, agent, broker etc if you need a specific vacation rental policy. We have one, so just double check and do your homework to make sure you have all your ducks in a row. #tipoftheday#bravoagency#bravo#farmersinsurance#wearefarmers#vacationrentals#homeinsurance#insurance#happywednesday
Tip of the day!
A question I commonly get (almost daily) is about coverage for things that have deteriorated or broken due to age. These sorts of things aren’t covered by any insurance companies. An example is a fence that has fallen down because it’s old or a slow leak due to aging pipes in your home. Insurance coverage kicks in when it’s a sudden event, not from wear and tear over time. You can always call your agent to check if you aren’t sure, it never hurts to ask and do a determination of coverage! #tipoftheday#farmersinsurance#bravo#bravoagency#wearefarmers#homeinsurance#autoinsurance#insuranceagent
A common thing I hear nearly on a daily basis is “I don’t need life insurance I have it at work.” That’s a great benefit to have but it’s not owned by you. It’s own by your company. What if you change companies, move, change careers? That policy leaves too just like a company car or health insurance. Life insurance is never cheaper than it is today. Own some yourself so you don’t put the financial protection of your family in someone else’s hands. #bravo#bravoagency#tipoftheday#lifeinsurance#farmersinsurance#wearefarmers
Vegas was an absolute blast this past weekend. Thank you Frank Ramirez for the incredible time. Also, happy birthday Courtney! Back to the office! #bravo#bravoagency#wearefarmers
0 175 August, 2019
Tip of the day!
Today’s tip of the day is on the more serious side. It’s something most people don’t like to talk about or even think about, however it’s a reality for everyone. With recent events going on here in CA and around the world, it’s just been top of mind how short life can be and we never know when we’ll run out of time. Life insurance is the most important piece of insurance you can buy to protect your family. I’ve been through it myself losing a parent and a handful of dear close friends the last few years. Nothing is ever going to bring you back if something happens. Nothing is ever going to replace you. What a life policy does is it takes a big layer of stress away from your loved ones when something happens. They can grieve and mourn without having to think about or worry about money/finances. You’re paying pennies to give them dollars and it’s all tax free. No other investment or savings account can do that, life insurance is the only way! #tipoftheday#bravoagency#bravo#lifeinsurance#farmers #wearefarmers#insurance
0 430 July, 2019
Tip of the day!
There’s a common misconception out there regarding all the new fancy safety features most cars come with nowadays. The car salesman will typically tell you “this car should lower your overall insurance cost because of the safety features like automatic braking, backup cameras, blind spot detection etc.” I will say yes, these features are important and they can definitely be life saving if something happens. I do think they are very important, however realize they don’t necessarily create a lower auto insurance premium. Remember, if your car needs to be repaired, these extra sensors, cameras and gadgets cost money to be replaced. A bumper now costs way more than a bumper 10 years ago. These items drive the overall value of cars up so the auto insurance premiums need to reflect this as well.
Don’t get me wrong, I’m an advocate for these additional items. My only point is don’t be shocked if your insurance premiums don’t go down because of these things like a car salesman might tell you. #tipoftheday#wearefarmers#bravoagency#bravo#farmersinsurance#autoinsurance
0 924 July, 2019
Tip of the day!
Are you thinking of selling a car? Don’t cancel that auto insurance just yet. Make sure you have a release of liability signed and the pink slip is completely transferred to the person or company that you’re selling or donating it to. Cancelling the auto insurance should be the last step to make sure you’re completely protected if something goes wrong in the process. Happy Wednesday!
Bravo Agency tip of the day!
If something happens like a fire, who’s going to pay for your temporary housing and expenses? You have to live somewhere right? Whether it be a hotel, renting temporarily etc. That’s included (usually) with your home or renters insurance under “loss of use.” Review that and make sure it’s enough if something happens. #bravo#bravoagency#tipoftheday#homeinsurance#farmersinsurance#wearefarmers
Tip of the day! Happy Monday everyone. Life insurance is a topic that a lot of people don’t love discussing but it’s so so important. While most people need life insurance at some point in their lives, don’t buy a policy just because it’s “a good idea.” It’s designed to provide your family with financial security in the event of an unexpected death. It can help pay off mortgages, fund college educations, help fund retirement, replace an income that’s lost, help with estate planning etc.
Long story short, if others depend on at least some of your income you should consider it. Remember too... the younger you are the cheaper it is. #bravo#bravoagency#tipoftheday#lifeinsurance#farmersinsurance#wearefarmers
0 143 June, 2019
Tip of the day!
To all the business owners out there. This one is for you. A common mistake I see a lot of business owners make is not having keyman life insurance on partners or key employees. It’s a life insurance policy on the key employee’s life with the business as the beneficiary. It can really save a business financially if something happens to that key employee like death or disability. Have you thought about what you’d do if something happened to your key employees?? It’s so important and something we have in place at our agency. #insuranceagent#farmersinsurance#wearefarmers#bravo#bravoagency#commercialinsurance#tipoftheday
Tip of the day...
Flood insurance is something that isn’t covered by your homeowners insurance. A common thing I hear is “I don’t need flood insurance I’m in a low risk flood zone.” Did you know 1/3 of all flood claims nationwide happen in low risk zones? Anywhere it rains, flooding can happen. Be prepared. #bravoagency#bravo#farmersinsurance#wearefarmers#tipoftheday#insurance
Happy Monday! Today’s tip of the day! Previously living in San Francisco, I had my car broken into a few times. Has this happened to you and you’ve had some stuff stolen? You may think the stuff that was stolen is covered with your car insurance policy... it’s NOT! That’s covered under your homeowners policy under “personal property” or under your renters insurance if you don’t own a home. That’s why renters insurance is so important! #bravoinsurance#bravoagency#bravo#farmersinsurance#wearefarmers#carinsurance#homeinsurance#tipoftheday
0 86 May, 2019
Happy Friday! Today’s tip of the day involves rental properties. I talked to a client who thought not only does a landlord policy cover the structure of the home and liability but also the tenant’s belongings, additional living expenses and liability.
You actually need two separate policies for all of that to be covered. The landlord policy covers the structure and landlords liability and the tenants belongings, additional living expenses and liability would have to be covered with a separate renters policy. If you’re renting a home, apartment etc make sure you look into a renters policy to fill those gaps because your landlord’s policy won’t cover your stuff. #happyfriday#farmersinsurance#farmers#wearefarmers#bravoagency#bravo#homeinsurance#insurance#tipoftheday
0 173 May, 2019
Amazing night for our district awards ceremony. Thank you Frank Ramirez our amazing district manager for such an awesome event and memorable evening. We’re so proud to take home a lot of hardware including district agency of the year! Thank you to our amazing staff, your hard work is beyond appreciated. To our amazing clients as well thank you for the trust, love and support. Cheers to a great 2018 and to an even better 2019! #farmersinsurance#wearefarmers#bravo#bravoagency
Michael and I just got back from a great meeting in Sacramento with our legislators. One of the issues we discussed was distracted driving and how much of a problem and danger it has become. While smart phones are fantastic tools that can help us out in our day to day lives, using them while driving can be just as deadly as drinking and driving. In CA, stricter laws are coming and that includes cell phone tickets that will have major impacts on your driving record and your car insurance prices. Right now it’s essentially just like a parking ticket where you pay a fine and that’s it with no impact on your driving record. That is going to change and change soon so just want to get the message out. #bravoagency#bravo#farmersinsurance#wearefarmers#carinsurance#insurance#insuranceagency
TIP OF THE DAY! Own life insurance outside of work. Any life insurance is better than none and don’t depend on what your employer gives you as a benefit. They can discontinue them at any time. A perfect example... SEARS! They just discontinued life insurance policies for their employees without any notice. Now some who are older or have health complications can’t get policies elsewhere. Life insurance with work is always a SECONDARY policy and added bonus. #bravoagency#bravo#lifeinsurance#tipoftheday#insurance#farmersinsurance#wearefarmers
TIP OF THE DAY! The time has come for your teen to get his/her license. It can be very scary so here are some basic rules you should keep in mind when selecting a car for your newly licensed driver:
1. Avoid performance vehicles that encourage speeding or recklessness
2. Select a mid to large sized car that offers more protection to the teen driver in case of a crash. Don’t go overboard though! Extremely heavy vehicles can be hard to stop quickly
TIP OF THE DAY! Fires are one of those things that can life changing and devastating. Install smoke detectors on every level of your home. Replace the batteries at a minimum of once per year. If possible, something to consider is hard wiring your detectors so you aren’t as dependent on fresh batteries. #bravo#bravoagency#homeinsurance#farmersinsurance#wearefarmers#tipoftheday
TIP OF THE DAY! Dryer fires happen way more than you’d think. Dryers work by circulating hot air around damp fabrics. If that air can’t circulate, the dryer just gets hot and the clothing inside becomes fuel for a nasty fire. Here are 3 simple safety tips to prevent dryer fires:
1. The lint trap should be cleaned between each load of laundry
2. The ducting located at the back of the dryer should be checked regularly. Pop off the metal clamp and make sure lint isn’t built up
3. Outside of your home, check the end point of the dryer vent where the hot air is released. Make sure the vent cleanly opens to let the air out when the dryer is running
Tip of the day! You get into a car accident, it happens... what do you do next?
1. Check yourself and passengers for injuries.
2. Check on the passengers in the other vehicle.
3. Stay at the scene of the accident. Leaving can result in fines and violations.
4. Call 911 or the police ASAP. Wait for the police to complete an accident report.
5. If you’re on a busy highway, stay inside the car, if it’s safe to do so, and wait for help to arrive. It’s incredibly dangerous if passengers stand along a busy street or freeway.
6. Stay calm and avoid arguments. Just exchange contact and insurance information.
7. Get contact info for any witnesses if possible.
8. Call your insurance carrier to report the claim. #bravoagency#bravo#farmersinsurance#tipoftheday#wearefarmers#carinsurance
0 147 March, 2019
BRAVO INSURANCE AGENCY TIP OF THE DAY! Take a home inventory of the valuables and contents in your home. Including the value of each item if that’s possible. Take photos and/or videos and keep them in a safe deposit box or a safe place outside of your home. This will really make the claims process smooth in the event of something like a fire, theft etc. #bravoagency#bravo#farmersinsurance#wearefarmers#homeinsurance#tipoftheday
1 196 March, 2019
Woo Hoo! I’m so excited to announce that our agency qualified for Million Dollar Roundtable! This is an association for life insurance brokers and financial advisors. I’m not sure how many Farmers agents made it but it’s usually less than 100. Thank you to our amazing hard working team and of course our amazing clients. Excited to head to Miami and listen from the best of the best in the life insurance industry! #mdrt#mdrt2019miami#farmersinsurance#bravoagency#bravo#lifeinsurance
6 454 March, 2019
I just found a great article and super interesting/scary read if you live in CA. Did you know... 1% of income tax payers in CA (about 150,000 families of a state with over 40 million people) account for nearly half of taxes in CA and therefore up to 1/3 of all general fund revenues?? That is absolutely insane, what is going to happen to taxes in 20, 30, 40 years? They’re absolutely going to go up and the burden is going to shift from the 1% to a more middle class population. That means stuff you depend on for retirement like your 401k, IRA, etc are going to be taxed when you need it most, when you retire! What can you put money in to get rid of your income tax liability? Besides a Roth IRA (which not everyone is eligible for), CASH VALUE LIFE INSURANCE! That’s the answer
Running a business always has some fantastic moments. Landing a new client, getting a new star employee, expanding your office space etc. It also has some challenges from unexpected incidents like theft, property damage, water damage, and so forth. We have coverage and policy packages for businesses of all kinds to help with all of those unexpected challenges! Reach out with any questions and for a free review of your current situation! #bravoagency#bravo#bravoinsuranceagency#farmersinsurance#wearefarmers#commercialinsurance#businessinsurance
I had a great appointment this evening with Dr Shah at @tru.spine He’s been helping me the last month with some back pain and mobility issues. Thanks for all your help Dr Shah! It’s incredible what a difference this makes. #bravo#bravoagency#chiropractic#truspine
3 207 February, 2019
Super proud of our agency. We made Topper Club for the 3rd straight year in our 3rd year in business since taking over the agency from our father Ralph Bravo. Haven’t missed one yet Dad! Thank you to our amazing team here for your continued hard work and dedication. A special thank you too to our amazing clients. It all starts with you and thank you for allowing us to help with your insurance and financial needs! #bravo#bravoagency#wearefarmers#farmersinsurance
On Saturday afternoon I checked out the movie Green Book with my wife and in laws. To say I enjoyed this movie is an understatement, I absolutely loved it! Check it out if you haven’t already, highly recommend it! You’ll laugh your ass off and it’s super heart felt. Awesome movie! #greenbook#oscars2019#bravoagency#bravo
Absolutely amazing dinner tonight at one of our first clients 30+ years ago! Puerto Alegre on 16th and Valencia in San Francisco. Some of the best Mexican food in San Francisco! #farmersinsurance#bravoagency#sanfrancisco