MERVYN DAVIS INSURANCE AGENCY Blog

Commercial Auto Insurance 101

Tue, 29 Nov 2022 22:26:32 GMT

Whether you drive a company vehicle or your personal one for business, it’s important to have Commercial Auto Insurance. Learn more about what this kind of insurance will cover and how it works. https://bit.ly/3o40Af0

Off Road Vehicle Insurance

Thu, 03 Nov 2022 18:39:40 GMT

Is your off-road vehicle insured? Here are questions you should ask your insurance agent before hitting the trails. https://bit.ly/3xTs9Oo

Homeowners Insurance Guide

Mon, 19 Sep 2022 18:19:10 GMT

Part of the process of buying a home is also purchasing homeowners insurance, and there are all different types of coverage. Do you know what's covered by homeowners insurance, and what's not? Read this homeowners insurance guide for an overview: https://bit.ly/3zi2hMI

Why You Shouldn't Skip Renters Insurance

Tue, 06 Sep 2022 20:08:16 GMT

Should you get renters insurance? If you own expensive jewelry, electronics, or designer clothes and accessories, you may want to consider it! https://bit.ly/3HJ1JDi

Prepare Your Home for Potential Wildfires

Thu, 25 Aug 2022 20:02:54 GMT

Studies show homes ignite due to the condition of the home and everything up to 200 feet from the foundation – which is referred to as the Home Ignition Zone. Follow these steps to make your Home Ignition Zone safer! https://bit.ly/3tRpXXG

Updated Office Hours

Thu, 25 Aug 2022 07:00:00 GMT

We are continuing to work remotely to ensure your insurance needs are met. If you would like to schedule a time to come into the office, we are available on Fridays by appointment. To make an appointment, please give us a call. If you need to send mail to the office, you can still do so. You can also use the office door drop slot, where your envelopes will be safely deposited inside the office.

Covid-19

Wed, 24 Jun 2020 06:13:42 GMT

In light of the COVID-19 crisis, we’ve shifted all our employees to work remotely from home to continue to meet your insurance needs.Below are some helpful links to navigate during these uncertain times.

· CDC guidance as communities reopen

· Department of Labor COVID-19 paid leave information

· U.S. Small Business Administration (SBA)

· BIG I – Agency Management

· Centers for Disease Control and Protection (CDC)

· World Health Organization (WHO)

· Occupational Safety and Health Administration (OSHA) - COVID-19

Bay Area KidFest Food Donation

Tue, 16 Jun 2020 07:00:00 GMT

The Bay Area offers great services, fundraisers, and programs that engage with the community. Here at Mervyn Davis Insurance Agency, we make sure to stay involved in these events. We love giving back to the community that supports us so much!

When Should I Review My Home Insurance Coverage?

Thu, 14 May 2020 22:15:13 GMT

Insurance is an important part of being a homeowner. Not only does it protect you from damages caused by things like fire and vandalism, but it can also protect your personal property or additional structures like garages, and provide liability coverage.

But when is it time to review your coverages? Should you evaluate your coverage monthly, yearly, or somewhere in between?

The most important times to review coverage

Let’s talk about events that should prompt you to review your home insurance coverage.

You’ve received a shiny new gift or bought something expensive: To eliminate the risk of not being covered if someone were to steal personal belongings, it’s important to review your home insurance coverage when you are keeping something expensive in the home.

If you’ve just received a beautiful diamond bracelet, an expensive new television system, or a timeless (and expensive) piece of artwork, it’s important to talk to an agent to ensure that you’re properly covered.
You’ve added square footage to your home: Many insurance companies base your coverage off of the square footage of your home. That means that if you add a new sunroom to your existing structure, it’s important to report it to your agent.

If not, in the event of a damaging fire or thunderstorm, your entire home may not be covered.
You got married: If you’re going to be adding another person to your home, they’ll likely bring all of their belongings with them. That means that the value of items in your home will increase — in which case, you’ll need to contact your agent to increase your coverage.
You’re starting a business out of your home: If you run a business out of your home, it’s important to report this to your insurance agency.

Why? You’ll need to have liability coverage for the employees that will be working under your roof, which will be a change to your normal policy.
Policy renewal is coming up: When your policy is set to renew, it’s a great time to review it.

Instead of hastily signing on the dotted line to renew your coverage, take time to read the fine print to see if coverage changed in price, if you’ve made any of the above changes to your home, or if there are any new discounts available.

For example, some insurance agencies will offer discounts for installing a security system to your home, and we all want the best price for our insurance.

Are you shopping for home insurance?

If you’re looking to purchase insurance for a new home, or simply looking for a change in policies, contact us to learn about your options! We’re an independent agency and we offer some of the best prices for home insurance in the area.