- General Liability
- Bars & Restaurants
- Business Auto Insurance
- Commercial Earthquake Insurance
- Cyber Liability Insurance
- Directors & Officers Liability
- Medical Malpractice
- Professional Liability Insurance
- Property Damage Coverage
- Umbrella & Excess Liability Insurance
- Workers Compensation
- Business Insurance Quote
- Life/Group Health
- TMIB Blog
- Fun Stuff
- About TMIB
2017 has been a tough year when it comes to natural disasters. It seems like every week we hear about another devastating event that has caused major damage to cities and irreparable damage to the lives of millions of people. While we can’t prevent these disasters altogether, one thing we can do is to be prepared in the event of an emergency. There is no better place to start than double checking your insurance coverage.
In California, we discuss earthquakes a lot, but you also want to be sure to check for wildfire coverage. When it comes to the possessions inside of your home, most policies cover the replacement of most items but you may need additional coverage to fully insure jewelry, art, collectibles, or other high value items. Be sure to talk to your insurance agent.
Visit MSN’s Money Talk News (http://a.msn.com/00/en-us/AAqYLFn?ocid=se) if you want to go over different ways to check your coverage and if you have any questions you can always contact TMIB at 310-828-9662.
While you were having a fun summer at the beach, the colder seasons slowly crept up and now you only have a few weeks to prepare your home for fall and winter. However, you shouldn’t fret because we found some great tips to get your home in shape.
Make sure you get your yard prepared before it is under a pile of leaves or snow.
A few quick yard tips:
– fall is much cooler than summer so be sure to get the appropriate seed and fertilizer to build up your yard’s strength.
– It might sound obvious, but removing the dead plants will go a long way. Removing weeds will keep the flower beds healthy and prepare you for spring.
– remember that spring isn’t the only time for growing. From kale to cauliflower, the fall can be a great season to show off your green thumb.
Since you’re already starting to get your home ready, why not take all of MSN’s 19 steps to prep your home. Visit http://a.msn.com/0E/en-us/AAqG8Zz?ocid=se to get MSN’s entire list and if you need advice for your home insurance contact TMIB at 310-828-9662.
Even a popular vehicle, the Toyota Prius has seen a 20.5% sales decline in 2017. If you have a long commute or find yourself joyriding on the weekend, you might consider a Prius for its comfort and miles per gallon. Also, with a sales slump like this you’ll definitely be able to negotiate.
If you’re interested in buying a new car this fall be sure to check out MSN’s list of Best Cars to Buy This Fall (http://a.msn.com/08/en-us/AArW56i?ocid=se) and once that’s done, contact TMIB at 310-828-9662 to help with your new car insurance needs!
When it comes to your insurance, MSN has put together a list of “9 Ways to Pay Less for Home Insurance” https://www.msn.com/en-us/money/realestate/9-ways-to-pay-less-for-home-insurance/ss-AApcG3C and if you would like to discuss your particular home insurance needs, contact TMIB at 310-828-9662.
As part of your research into this program, you might find MSN’s list of “10 things you need to know about Medicare” helpful http://a.msn.com/00/en-us/AAkkduD?ocid=se and if you have health insurance questions be sure to contact TMIB at 310-828-9662.
Having homeowners insurance is a smart way to protect yourself in the event of an emergency. However, not all policies are equal. Check your policy to make sure you are covered for the seven most common claims.
Of all the ways damage can occur to your home, virtually nothing costs more than a fire. In the unfortunate event you have to deal with a fire in your home, a little preparation can go a long way to making sure you are covered. For example, make a complete inventory of your possessions. This is especially helpful if you suffer a total loss. Be sure to keep it updated, but be aware that depending on your policy, deprecation may be a factor. The more you can be prepared, the smoother the claim process will go.
If you’d like to check the MSN’s list of the seven common claims covered by homeowners insurance visit (http://a.msn.com/00/en-us/BBz8Rvz?ocid=se) and if you have any questions about your homeowners insurance contact TMIB at 310-828-9662.
One of the first steps is to assess your coverage. Find out how much coverage you have and compare it to alternate quotes you receive! You should also calculate how many miles you drive each year. The number of miles you drive each year is useful information and could affect your premium.
To see a breakdown of Kiplinger’s “6 Steps to Cut Your Car Insurance Rates“ visit (http://www.kiplinger.com/slideshow/insurance/T004-S002-6-steps-to-cut-your-car-insurance-rates/index.html) and for any questions about your car insurance contact TMIB at 310-828-9662.
If you’ve lived in California for a while, you are probably aware that we are overdue for a major earthquake. You’ve heard about being prepared and the steps to take when the “big one” finally comes, but what you may not know is the long history of earthquakes in the region and how it has affected the landscape for centuries.
If you’d like to read about the current status of one of Southern California’s top seismic danger zones, the Newport-Inglewood fault, check out the LA Times http://www.latimes.com/local/lanow/la-me-ln-newport-inglewood-earthquake-20170321-story.html and if want to discuss your earthquake insurance needs contact TMIB at 310-828-9662.
After your home, a car may be the second most important purchase a person makes. It makes sense to keep it as safe as possible. So how safe is your city when it comes to car thefts?
California has multiple locations on MSN’s list of top 10 places with the highest car theft rates (based on 2014 statistics). Albuquerque, New Mexico tops the list with 677 auto thefts per 100,000 people.
To see MSN’s full list of the “10 Places with the Highest Rates of Car Theft in the US” visit http://a.msn.com/00/en-us/BBxHbEl?ocid=se and to discuss your Los Angeles car insurance needs, contact TMIB at 310-828-9662.
Welcome to 2017! The calendar page has turned to a whole new year and with it comes a clean slate of goals and dreams. While you could just stick to the classic set of resolutions like exercising more or trying to eat healthier, how about making some small changes now that could go a long way throughout the year. Insurance can be one of the bigger recurring expenses for a family, so taking the time to address those costs can create big savings for you and your family.
Did you know by installing a home security system you can reduce homeowners insurance by up to 20 percent? Also, many companies offer discounts for bundled insurance. So instead of having your car and home insurance with different companies, look into bundling them together and start saving!
For a list of “10 Ways to Save on Insurance in 2017” visit https://www.gobankingrates.com/personal-finance/ways-save-insurance-2017/ and for any questions regarding your insurance in Los Angeles contact TMIB at 310-828-9662.