Seattle Family and Business Insurance

Seattle Homeowner’s Insurance Explained

noreply@blogger.com (Anonymous) — Wed, 26 Apr 2017 21:21:00 +0000

Many people believe that they have little or no control over their homeowner’s insurance. Often, people think that premiums are determined by some “secret formula.” It is true that every company has rates for their homeowner’s premiums, but there are many factors that help make up your homeowner’s premiums.

Factors that help determine your Seattle homeowner’s premiums

Location
Age of home
Age of roof
The replacement cost
Distance to fire station

Get the best possible homeowner’s premiums

Install deadbolt locks.
Increase your deductible.
Some insurers offer occupational discounts for teachers, police, firefighters, government employees, etc.
Install a central station security system.
Your agent can help you evaluate the different policies and companies so you can make the choice this is right for you.
Ask for other discounts offered by your insurer.
Make sure your replacement cost is up to date.
Do you have replacement cost (RC) or actual cash value (ACV) coverage? We recommend replacement cost.
Do you need loss of use coverage? Most homeowners and renters do.

Contact an insurance specialist at DeFranco Insurance today to answer any questions about Homeowner’s Insurance or for a free review and insurance quote for Homeowner’s Insurance.

Some products and services may not be available in your area.
Please contact us for more information.

March Madness - DeFranco Insurance Style

noreply@blogger.com (Anonymous) — Tue, 18 Apr 2017 13:30:00 +0000

A Seattle Insurance Review

March is over and we spent the whole month watching 64 college basketball teams play to the final four, then on to the championship game. Congratulations to North Carolina! The entire thing reminded us of some insurance madness. There are some issues that can affect your Seattle business insurance and personal insurance programs, so we want to share with you our “Insurance Madness Final Four.”

Insurance Madness Final Four

1. Always use an independent agent. Independent agents will search the market for the best possible insurance designed for your family or business. Independent agents do not work for an insurance company; they represent you and look out after your interests first.

2. Never buy insurance online. When you buy insurance online you never know if you are getting the best combination of coverage, price, and service. However, you do find out when you have an uninsured claim.

3. Always consider deductible options. A simple way to save money is to consider increasing your deductible on your auto insurance, home insurance, or even your business insurance.

4. Many people do not consider these coverage’s but they should.

a. Identity theft is the fastest growing crime in the United States. Every homeowner should consider identity theft coverage.

b. A personal umbrella can offer additional protection for those who own a home or have personal assets worth protecting.

c. Your business might be at risk if you do not have cyber liability or employment practices liability.

All these coverage’s are easy to add to your business insurance program.

Founded in 1953 by Louis F DeFranco in the Seward Park area of Seattle, we are licensed to write insurance in WA, ID, OR, CA, UT and AZ. As an Independent Agent and part of The Advantage Group, LLC. We have access to multiple preferred companies.

Get a quote

5 Cyber Safety Tips for Kids

noreply@blogger.com (Anonymous) — Sun, 31 Jan 2016 02:02:00 +0000

Everyone in Washington agrees that cyber safety is important, but what, exactly, does it mean to be "safe" online? And what do parents really need to know? Here are the top five things you can do to teach your kids how to become responsible digital citizens:

Teach them about privacy settings: If you have young children, it's best to use parental controls yourself to limit and monitor your kids' online activity. Older children can be taught how to use privacy settings so their photos and messages cannot be seen by just anyone on the web. Whether they're using Facebook, Instagram, or another web-based application, show your kids how to navigate privacy features or help them set up their accounts using appropriate limits. Show them how to disable location on any device or app they are using, so that they cannot be easily found by others. Regardless of your child's age, help them to understand that keeping their information secure is a priority, and to assume what they put on the web is accessible to anyone unless they take steps to protect it.
Teach them to post responsibly: Kids should understand that once they put something on an app or website, it cannot be taken back (even if it seems like it can); so they should think carefully before posting comments, photos, or anything else online. Teach your kids not to post anything that they would not say in person, or that they wouldn't want their parents or a college admissions counselor to find later on. Finally, teach kids to respect others' privacy by not posting information or photos of somebody else without permission.
Teach them how to interact with others: Just as in real life, children should be taught to recognize inappropriate behavior online and to respond by telling a trusted adult.
Teach them that online activity is not anonymous: Kids should learn that just because they are physically alone doesn't mean that their online activity is anonymous, even if they are not using personal information. Most web browsers, email services, social media, and ecommerce sites track online activity and collect data on users constantly. Same as with posting, teach kids to avoid online activities that they wouldn't want their parents or teachers to know about.
Teach them to communicate: Cyber safety advocates agree that an ongoing dialogue with young people about their online activity is the best way to promote responsible use and prevent potentially dangerous situations from happening. As a parent, you should know what your kids are doing online, including who they're talking to, sites they visit, and what types of material they are putting out there. In addition to these tips, keep the discussion going to ensure that your children acquire the skills necessary to navigate the always changing cyber-universe.

For any insurance questions, call or contact DeFranco Insurance today.

Wishing You A Happy Holidays and A Fantastic New Year !!!!

noreply@blogger.com (Anonymous) — Wed, 23 Dec 2015 23:55:00 +0000

DeFranco Insurance Wishes You A Happy Thanksgiving !!

noreply@blogger.com (Anonymous) — Wed, 25 Nov 2015 00:33:00 +0000

Storm Warnings: Did a storm trash your roof or damage your house?

noreply@blogger.com (Anonymous) — Mon, 26 Oct 2015 23:09:00 +0000

After your home is damaged by wind, hail, or other natural elements, the storm isn't necessarily over; in fact, it might be just the beginning. Here's what you need to know about the storm-induced insurance process from diagnosing the damage to filing a claim and making repairs so that weathering your home's recovery is as painless as possible.

Know what's covered before the storm hits

Most homeowner's policies cover damage due to tornadoes, wind, hailstorms, severe temperatures, ice, lightning, and fire. In general, homeowner's insurance does not cover flooding; and your policy may have other restrictions based on what exactly caused the damage to your home, even if it happened during a storm. Talk to your insurance agent about additional coverage if you live in a high-risk area.

Exercise caution immediately following a storm

Just because you can't see it doesn't mean your home has not been damaged. If you're unsure, it might even be a good idea to stay somewhere else for a few days. If you decide to temporarily relocate, your insurance policy may help you cover some of those expenses. Finally, consider hiring a professional storm inspector to assess your home if you are not sure if you can do the job safely.

Document potential damage

Common types of damage after a storm include roof, window, and structural damage as well as exterior damage to paint or siding. After the storm passes, treat your home like it's a crime scene: before moving anything, take plenty of photos and/or video, inside and out. Carefully document all damages.

Call your insurance company

Make contact with a claims agent as soon as possible. They will help you to properly assess the damage to your home and understand what's covered by your policy, as well as walk you through the claims process.

Click here to view a list of insurance company claim phone numbers.

Make temporary repairs

After a severe storm, be sure to cover broken windows and exposed areas, and remove glass, tree limbs, and debris where it is safe to do so. Quickly address downed power lines or other electrical hazards by calling 911.

Hire a credible contractor

Did you know that some contractors travel to areas hit by storms to take advantage of unsuspecting homeowners? To avoid hiring one of these "storm chasers," do your research. Ask around, make sure they are licensed, and check online reviews before signing on the dotted line. Verify your contractor is local, certified, and has insurance coverage to practice in your state.

Work with your insurance agent to negotiate the claim

Ideally, the contractor you hire will have extensive experience working with an insurance company and will be able to help you navigate the process of getting repairs paid for and completed. Regardless, it's a good idea to get any quotes approved before proceeding with work on your roof or home. Save all receipts, including those from any temporary repairs made to your home.

For more information about storm damage and insurance, call or contact DeFranco Insurance today.

DeFranco Insurance, Get To Know Us !

noreply@blogger.com (Anonymous) — Tue, 29 Sep 2015 01:09:00 +0000

DeFranco Insurance Wins Safeco Award 11 Years Running

noreply@blogger.com (Anonymous) — Tue, 29 Sep 2015 01:04:00 +0000

Safeco Insurance^® Award of Excellence 2015

John DeFranco of DeFranco Insurance Agency earns Safeco Insurance^®Award of Excellence for superior underwriting skill

Seattle, WA— Safeco Insurance has selected John DeFranco of DeFranco Insurance Agency in Seattle, WA for an Award of Excellence. Fewer than 5% of insurance agents across the country who sell Safeco Insurance personal lines policies receive this prestigious honor.

“John DeFranco is dedicated to providing our clients with the insurance protection they need at the right price,”

“Safeco shares that same value, and we are thrilled that John DeFranco has been recognized with one of the company’s top honors.”

To receive a Safeco Award of Excellence, an insurance agent must have a strong relationship with Safeco and superior underwriting skills John DeFranco has earned Safeco’s Award of Excellence 11 times in the last 11 years.

“Outstanding underwriting and strong partnerships benefit DeFranco Insurance Agency’s customers,” said John. “Because Safeco Insurance supports independent insurance agents as trusted advisors, I am honored to have been selected for the Award of Excellence.”

About Safeco Insurance

In business since 1923 and based in Boston, Massachusetts, Safeco Insurance sells personal automobile, homeowners and specialty products through a network of more than 10,000 independent insurance agencies throughout the United States. Safeco is a Liberty Mutual Insurance company.

Boston-based Liberty Mutual Insurance is a diversified insurer and the third largest property and casualty insurer in the U.S. based on 2013 direct premiums written as reported by the National Association of Insurance Commissioners. Liberty Mutual Insurance also ranks 76th on the Fortune 100 list of largest U.S. corporations, based on 2013 revenue.

For more information about Safeco Insurance, go to www.Safeco.com.

Reasons To Consider Higher Auto Insurance Limits

noreply@blogger.com (Anonymous) — Tue, 15 Sep 2015 18:09:00 +0000

1. Buying higher limits can save you significant claim dollars.

Buying higher auto liability limits is seldom important…until it is. Consider this…the minimum limits that are required in WA for auto insurance are $25,000 per person for bodily injury/$50,000 per accident for bodily injury and $10,000 per accident for property damage. If you cause injuries or damage above these amounts, the money to settle the claim is going to come out of your hip pocket.

2. Buying higher limits can save you premium dollars.

This concept is strange but some insurance companies give discounts to new customers that have higher limits on their prior policy. I guess they have found that customers that purchase higher liability limits have fewer claims.

3. It’s the right thing to do.

So you’re broke and the saying “you can’t squeeze blood out of a turnip” applies to your finances. If you have an accident causing big damages, wouldn’t you want to pay for the mess you’ve caused with the proper auto insurance? It’s a risk you take when you don’t go above the minimum limits of insurance. You don’t have the aforementioned “Hip Pocket National” to pay the bills, but you can have the insurance coverage to do so.

4. Keep the insurance company defending you.

If you cause a big claim, your policy covers the legal expenses if you are sued. There’s no limit on the amount of attorney fees that can be covered under the policy so at least the $50,000 of legal fees will be paid. But there is a BIG catch. The policy says that when the insurance company exhausts the liability limits, they don’t have to defend you any longer. So if it looks like the legal fees are going to be huge, the insurance company cuts their losses by paying out the liability limits. To keep the insurance company paying for those large legal fees, buy high liability limits.

For More questions Click Here To Get A Quick Answer I have a questions

Identity To Artwork, Insurance Is Now Needed In More Ways Then You Might Think

noreply@blogger.com (Anonymous) — Mon, 07 Sep 2015 18:03:00 +0000

Have you heard of supermodels insuring their legs or singers taking out a policy on their priceless vocal chords? That's probably not necessary for most people, but many of us probably do have a few valuables that can and should be insured separately.

A standard homeowner's or renter's policy will cover many of these items, but only to a limited extent and under certain circumstances, such as loss due to fire or theft. If your homeowner's policy doesn't provide adequate protection, it's possible to amend your policy to increase the cap on a reimbursement or extend your coverage to include additional causes of loss. If you can't negotiate the coverage you need within the confines of your homeowner's insurance, consider purchasing a separate, specialized or scheduled policy for the following items:

Jewelry: It's pretty likely that the standard cap on your homeowner's insurance will not accommodate the value of most expensive jewelry. An easy option is to increase the liability limit for these items by paying a slightly higher premium but this still may exclude many accidental causes of loss. A good standalone or supplemental policy offer protection from the "mysterious disappearance" of precious jewelry, as well as stones that fall out of their settings, among other things.

Artwork: If you own one or two high-quality pieces of art, it's a good idea to have them appraised regularly and covered under a fine art "floater" on your homeowner's insurance. But if you are a collector or if your art is frequently moved around to different venues, a standalone policy is highly recommended. Art insurance specialists can help you accurately value your collection, and a specialized policy will guarantee coverage in a wider variety of circumstances.

Bikes: If you own a state-of-the-art bicycle, it's definitely a good idea to check into specialized coverage that will garner you the highest reimbursement in the event your bike is lost, damaged, or stolen. Policies for serious cyclists may offer coverage for rental bikes, theft away from home, and even event fee reimbursement.

Identity: Identity theft insurance (sometimes called identity fraud insurance) is now commonly available as an endorsement to a standard homeowner's policy or a standalone product. According to the Insurance Information Institute, "Identity theft insurance provides reimbursement to crime victims for the cost of restoring their identity and repairing credit reports." This means it may help pay for everything from stamps to legal fees should your information be stolen. An identity theft policy does not reimburse you for money stolen via identity theft; however, it just helps you to pick up the pieces.

Instruments: If you're a casual player who uses your instrument at home, your homeowner's insurance may be enough to cover you if your instrument is stolen or damaged in a fire. But if you regularly travel with your instrument or own an especially expensive antique, chances are a homeowner's policy will not protect your instrument against the most likely causes of loss or damage. Musical instrument and gear policies are relatively inexpensive and will give you much more peace of mind.

Computers: Knocking a cup of coffee onto your laptop might ruin your day, but it doesn't have to become a nightmare. At the very least, be sure your homeowner's policy covers the replacement value (not the actual cash value) of your desktop or laptop. If you choose to go with a standalone policy, you can get coverage for all kinds of accidents, plus hard drive crashes, LCD issues and even WIFI failure.

The sky's the limit: No insurance company starts out with a standard vocal chord coverage policy so if there's something that is especially valuable to you, talk to your agent to see if it's possible to get more comprehensive coverage. Remember, if you choose to schedule valuable items under your homeowner's insurance rather than purchase specialized coverage, it's up to you to keep track of their value and regularly update your policy.

Questions? Call or contact DeFranco Insurance today.

Back to School with Allergies in Tow

noreply@blogger.com (Anonymous) — Thu, 20 Aug 2015 20:56:00 +0000

Gathering school supplies, updating vaccines, and returning to a regular sleep schedule are part of a long list of things that need to be done before sending kids back to school. If your child also has a food allergy, preparing to go back to school takes extra effort and due diligence. Here are some things you can do to make sure your child's medical needs are met throughout the school year.

For Kids & Parents

Communicate early and often: As a parent, it is your responsibility to notify your child's school of his or her allergy. Provide the school with medical documentation as well as clearly labeled medications and instructions on how to use them. Keep the school updated on any episodes or changes to your child's condition.

Have a plan: Provide detailed written instructions outlining what to do in case of an emergency. Be sure this information is not only communicated to teachers, but also to those leading extra-curricular programs or driving school buses. Plan to meet with the school nurse and counselor to review your child's food allergy plan and make necessary accommodations. The Food Allergy Research & Education Center offers a downloadable Emergency Care Plan.

Know your rights: Some states have laws requiring schools and childcare facilities to adhere to certain guidelines to protect children with food allergies. Whether or not your state has these guidelines, it is against the law for your student to be excluded from classroom or school-sponsored activities because of his or her condition.

Teach self-management: Be sure your child is educated about their allergy and knows how to communicate it to adults (to the degree that can be expected, depending on their age). Older children and adolescents can take more responsibility for their condition; teach teens to read labels carefully, and check to see whether your child may be allowed to carry their own epipen in case of emergency. For children of all ages, a medical alert bracelet is always good idea.

For Schools & Teachers

Avoid allergens in class: Ideally, classrooms should be kept food-free. If that isn't possible, encourage teachers to avoid using foods that contain common allergens like nuts, milk, and soy as prizes or part of classroom instruction.

Coordinate care: Have a system for communicating students' allergy information to teachers and other staff that need to know about it. Making sure the process is the same for all students will ensure that nobody gets overlooked.

Provide training: Teach all staff to recognize symptoms of an allergic reaction, and train them to administer epinephrine auto-injectors. Consider specialized training for staff who work directly or more often with students who have allergies.

Adopt safe practices: Encourage staff and students to wash their hands after handling food and to keep potential allergens separate from other foods. Cafeteria kitchens should have designated "allergen-free" areas; food service staff should read labels carefully so that students know exactly what they are eating.

Address emotional needs: The key terms in creating a supportive environment for students with allergies are "safe" and "inclusive." Try to make accommodations for these students in a way that won't make them feel singled out. Teach other students about food allergies and adopt a zero-tolerance policy for bullying.

For answers to any of your insurance questions, call or contact DeFranco Insurance today.

Happy 4th of July from DeFranco Insurance

noreply@blogger.com (Anonymous) — Fri, 03 Jul 2015 17:44:00 +0000

Happy 4th of July from DeFranco Insurance !!

DeFranco Times June 2015

noreply@blogger.com (Anonymous) — Thu, 18 Jun 2015 21:27:00 +0000

DeFranco Times

Living Proactively
Happy beautiful Seattle Summer! Thanks to all who stopped by on our Customer Appreciation Day - we had free shredding and a place to get rid of old household items along with hotdogs and chips. It was so wonderful, we have scheduled the next time for June 11th, 2016. Thanks to Junk BGone for providing their services for taking away our junk.

Your business and friendship is appreciated, so please let us know how we can help you with your insurance issues.

like us on Facebook - DeFranco Insurance

Happy 4th of July
Staying Safe and Sane

* July Events - Seattle

* Where to shoot off fireworks

Boating Safety Tips
We live in this wonderful area surrounded by water, we want to keep you and your family safe, while enjoying boating.

Tips to stay safe - boating

Your Night Out

“Night Out” a national Crime Prevention event. Helps crime prevention awareness, and unite our communities. Click 'Your Night Out' to learn more.

Homeowners And Car Insurance Quotes

noreply@blogger.com (Anonymous) — Sat, 30 May 2015 23:14:00 +0000

In the market for both a home owner insurance quote and a car insurance quote? Consider getting both quotes from the same insurance company.

You'll most likely have the same agent. Getting the same insurance agent for your home owner insurance policy and your car insurance policy means you'll only have to do direct business with one person. Plus, this person will know everything about both your home owner insurance policy and your car insurance policy. If you have a question about your car insurance policy, or you call to make additions or subtractions to your home owner insurance policy, your insurance agent will be able to remind you that it's also time to renew the other policy.

You'll be familiar with the company. Being familiar with an insurance company, the way in which they do business, their policies, and their procedures is more beneficial than you realize. There are usually no surprises when you're familiar with the insurance company. Some insurance companies even offer discounts to policyholders who have been with their company for a certain period of time.

You'll save money. Most insurance companies offer discounts if you purchase more than one kind of insurance policy from their company. Who couldn't stand to save a bit of money, especially when it comes to insurance costs?

If you're looking for a car insurance quote and already have home owner insurance, check with your home owner insurance company about purchasing getting a car insurance policy quote from them, too. The same applies if you're looking for a home owner insurance policy quote. If you already have both kinds of insurance policies from different companies? Ask each company for a home owner insurance quote and car insurance quote, and then choose the best deal. And remember-- always ask about the discounts you can get for a home owner insurance quote and a car insurance quote from the same company!

DeFranco Insurance

Auto Insurance FAQ's

noreply@blogger.com (Anonymous) — Thu, 28 May 2015 21:41:00 +0000

Those who are shopping around for auto insurance may know that they want to lower their premium, but they may not be aware what taking lower coverage can open them up to. When shopping around for Seattle insurance, always make sure that each quote offers the same amount of coverage. Having inadequate coverage for the car or for liability can open up drivers to losing their assets in the case of a serious accident.

In many cases, it is easy to get a cheap quote. However, shoppers may not realize that these quotes come with high deductibles and low limits of liability. Those who want to make sure that their assets are safe need higher liability limits, so that if they are taken to court as a results of an accident, they are covered. DeFranco Insurance Services ask people specific questions to ensure that they are covered to exactly the extent that they need.

In Seattle DeFranco Insurance will help ask people questions about their entire household to get a good picture of their insurance needs, and create quotes to best fit them. It is important to always have insurance, as the longer one goes without it, the more difficult it may to get it in the future. Also, the kinds of claims that drivers make can have an impact on the Seattle insurance rates, so keep that in mind while shopping around.

Those who are shopping around should also make sure that they ask what each coverage is for, and ask questions of their representative. DeFranco Insurance professionals are happy to explain what each coverage does, and how this impacts the price. Many aren't aware that the price that they pay for insurance can be impacted by not only their driving record or the kind of car that they drive, but also their zip code and history with other insurance companies. DeFranco Insurance can walk people through a quote and help them to get the Seattle insurance help that they need.

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noreply@blogger.com (Anonymous) — Mon, 27 Apr 2015 18:14:00 +0000

St. Anthony Auction

noreply@blogger.com (Anonymous) — Sun, 26 Apr 2015 16:26:00 +0000

So pleased to support St. Anthony School at their annual auction. Supporting through donations and sponsorship. Thank you to all who attended!

Different Insurances A Family May Need

noreply@blogger.com (Anonymous) — Wed, 25 Mar 2015 13:00:00 +0000

Among the many types of insurance policies available, there are a few main types that every family needs: auto insurance, homeowners or renters insurance and life insurance. A 4th coverage that may be a necessity for certain families is business insurance.

Auto insurance
Any family that has a car needs to have auto insurance. Depending on what kind of car you have, how much it's worth and whether you have a loan on it, you may need only liability insurance or you may need other coverages, including collision, comprehensive and uninsured motorist coverage. Talking with an agent at Defranco Insurance, will help you get the best rate.

Home or renters insurance
Seattle family insurance packages must include insurance to protect the place where you live. If you own a home, you need homeowners insurance, which covers both the structure as well as your contents. If you rent, you should have renters insurance to cover your possessions in the event of a disaster.

Life insurance
Many families go without life insurance, either thinking they don't need it or they can't afford it. But term life policies that will provide income in the event a parent dies can be had for less than $10 a month, and Defranco Insurance can help you find the policy that's right for your situation.

Business insurance
Not every family needs business insurance, but those who own a business do. Your homeowners insurance typically won't cover business liability, even if you operate your business out of your home. For your business insurance needs, you can talk to the professionals at Defranco Insurance to find the best policy for your situation.

Get To Know DeFranco Insurance And Our Staff

noreply@blogger.com (Anonymous) — Wed, 25 Mar 2015 01:27:00 +0000

Happy Spring Break from DeFranco Insurance

noreply@blogger.com (Anonymous) — Wed, 11 Mar 2015 20:21:00 +0000

After making it through midterms and the bleakest months of winter, spring break is more than enough reason for high school and college students to celebrate. But many spring break "traditions" in the U.S. have a dark side, and can sometimes result in life-changing consequences or even death.

Whether you're going on a family vacation, staying close to home for some R & R, or heading to the city or the beach with friends, here are some tips for having a safe, restful and healthy spring break.

Get a reality check: If TV and popular culture have you convinced that spring break is nothing more than an excuse for an extended party, it may be wise to revise your perceptions. Most people do not drink excessively or enjoy getting completely out-of-control. Make your spring break about more than just having a wild time: plan activities, sleep in, and take time to develop real bonds and lasting memories with your friends and family.

Watch your intake: Binge drinking is increasingly becoming a serious issue, and spring breakers of all ages often take this dangerous activity to a whole new level. Each year thousands of young people experience negative, often serious, consequences during spring break; and those who drink excessively not only harm themselves, but also put everyone else at risk. Remember, having a good time shouldn't mean putting yourself or others in harm's way. If you suspect you may have a problem with alcohol or drugs, go to ncadd.org to find resources and help. Finally, know the signs of alcohol poisoning (irregular or slow breathing, unconsciousness, confusion and vomiting) and if you suspect alcohol poisoning, get help.

Stay safe: A lot can go wrong when you're partying in an unknown city with people you don't know. Whether you or your friends are planning to drink, travel, or just go out on the town, take necessary precautions to stay safe avoid serious consequences. Minimize your risk by sticking with friends, making a plan and staying in frequent contact. Make an effort to keep your friends in view, especially if you're socializing with strangers. Don't accept a drink from somebody you don't know, or if you are unsure of where it came from. Leave valuables and important items at home or in your hotel and keep your wallet or purse secure.

Be prepared: If you're going somewhere tropical or out-of-the-country, make sure to get all the required vaccines and take health precautions if necessary. Check the weather and current events so you know what to expect. If you take medications, make arrangements to have enough with you while you are away. Before you go, make sure your emergency contacts are up to date, and take the time to consider what steps you will take if you are in an emergency situation.

Follow these guidelines and make your spring break an unforgettable adventure, for all the right reasons.

For any insurance questions, call or contact DeFranco Insurance today.

DeFranco Insurance Newly Designed Offices

noreply@blogger.com (Anonymous) — Sat, 21 Feb 2015 00:21:00 +0000

The importance of keeping all your insurance with one agency

noreply@blogger.com (Anonymous) — Thu, 19 Feb 2015 18:30:00 +0000

When getting insurance, it's easy to go with a lot of companies to save a little bit of cash. However, this is not always the wisest plan of action, and you may not actually save much money, if any. Yes, if you are looking to keep things under control and in order, you should keep all your insurance with one company.

Paperwork: When looking at insurance, whether it is auto insurance, life insurance or any other form, you are going to get a lot of paperwork. If you have policies with multiple companies, you are going to get a lot of mail that you will have to sort through. Not only that, you will have different expiration dates and information you must keep on hand. But, if you keep it all with one company, you will deal with one person, which enables you to avoid issues when it comes time to call the company and ask a question.

Only deal with one person who knows your story: If you go online and get a policy from a random company, the employee will not know about your situation. Sadly, this is the way many people get their insurance. While it’s okay in the short-term, it will hurt you in the long run. Think about it, if you have home owners or renters insurance, you can often talk to an agent about a discount or other options. But, if you have insurance with multiple firms, you aren't going to talk to a person who knows much about your unique situation.

Cost: Finally, as mentioned, while a lot of people get insurance with another firm to save a few bucks, this is only a short-term gain. No, instead, if you go with a firm like DeFranco Insurance, you can often receive a better quote for the same services. For this reason alone, if you are looking to carry multiple types of insurance, you need to think about the money you can save with your policies. Of course, this is just a side benefit as you should buy insurance that works for your situation, and you should only consider a lower cost as a side benefit.

If you are looking to get a few insurance policies, you should stick with one provider such as DeFranco Insurance. By finding one with a solid reputation, you can get the best insurance with the least amount of hassle on your end.

Things to Know About South Seattle Automobile Insurance

noreply@blogger.com (Anonymous) — Sat, 29 Nov 2014 11:50:00 +0000

Being prepared for whatever might happen in the future is one way to give a person an edge. It is a very important aspect in every life of a person who owns a car. The specific regulations in your area will increase your confidence each time you are behind the wheel. Every motorist must be insured against the risk of financial liability each time i drive. The best thing about having your car insured is you are prepared to whatever might happen to the car. South Seattle automobile insurance is needed if ever there comes a time when there is a collision that results in damage of property or injury. The insurer has the task to pay all the monetary liabilities. To make this happen, you have to have an auto insurance. The owner of the auto must pay an insurance premium in monthly basis. This is needed to assure your safety if every accidents will occur.

It is a requirement to have an auto insurance in south Seattle to insure your monetary liabilities if ever accidents occur. As you well know insurance can not pay the payment fully so partially you will have to pay for the required payments. It is wise for one to ask in the future to what he might pay. It is one of the responsibility of the car owner to know the car lenders of leased vehicles are supposed to incorporate automobile insurance coverage in the least cost. It is an advantage to ask about what type of coverage is available or comes along with leased vehicles. Also one should know their monthly payment insurance. it is good to be aware of the amount on top of the monthly price cited by the dealer. This should tell you the difference if you are paying more than you required to or if you are paying lesser than the required amount.

The payment for the monthly basis of insurance is based on the type of the vehicle covered, the years of the car used, the driving background of the owner and the place where it is kept and used. To have an auto insurance, customers and clients are protected. Auto insurance is needed to lower the amount that is to be payed when an accident will happen because it is better to be prepared than to do nothing then regret your decision later. Get the trusted south seattle automobile insurance now.

Happy Thanksgiving From John DeFranco and The Team

noreply@blogger.com (Anonymous) — Tue, 25 Nov 2014 18:48:00 +0000

Get yourself a Defranco Complete Insurance

noreply@blogger.com (Anonymous) — Wed, 19 Nov 2014 11:51:00 +0000

Every day we wake up with too much uncertainties, thinking that someday we will die, or the education of your children, the welfare of your family or yourself; it’s only the reality though that we worry on these things. No need to worry defranco complete insurance got your back they provide the best complete insurance systems. Now, why do we need life insurances? As we grow older, we get married, start your own family and the more we grow we come to understand that having a insurance is an absolute must!

There are many things that insurance can do for you. Having an insurance help you protect your Family and your Loved one’s this is especially true to the breadwinners of the family. a insurance will help you when you need some financial support. the second thing that a insurance can do for you is that it helps you pay your debts and expenses; when you are in debts and you have too many bills to pay an insurance will be there to act as a shield lessening your financial burden. insurances also helps you and protects your things or valuables; take this for an example a car accident when you have caused a car accident unintentionally or you became the victim of a car accident a insurance will be there for you. a car insurance will help you in repairing your damaged car, a medical insurance will also help you pay the hospital bills when you experience an injury.

Insurance is there to help you lift your problems. Like any other parents you really look forward for the future of your children when you are gone. Insurance will be there to help your family that you have left. Lastly but not the least a life insurance can help you gain a mental state of mind peace, a life insurance will help you take ease on thinking alternative ways of living. it helps you to relax a bit knowing that you and your loved ones are take care of. the reality is that no one knows what will happen next you may try to predict the next events of your life but really you cannot exactly predict on the things that will happen in life. But instead of thinking on how and what can you do about your life. Then I advise that you will start doing something about it and avail a defranco complete insurance.