Insure To Value

It’s hard to imagine why insurance companies would give up additional premiums by underinsuring customers, but we find they do it every day. Why?

  • To compete in the marketplace.
    Everyone else does it and no one wants to be the first to charge more.
  • To keep their good neighborly hands on your annual premium payment.
    If they raise your premium, you’re likely to shop elsewhere without researching the reason for the increase.
  • To limit their overall exposure and risk.
    The second “half” of the coverage doesn’t garner as much premium (or commission) as the first. Selling this coverage to everyone would increase their exposure to premium ratio.
  • To shift the risk to the homeowner.
    If they don’t sell that additional coverage, they don’t have to pay you after a loss.
  • To reduce their re-insurance expenses.
    If they sell you more coverage, they have to buy more re-insurance coverage.

[You can download our handout HERE]

Inspirational Quotes

Love the moment. Flowers grow out of dark moments. Therefore, each moment is vital. It affects the whole. Life is a succession of such moments and to live each, is to succeed.

Corita Kent

Testimonials

We lost our home in the 2007 Witch Creek Fire in Poway CA. As was the case with most (if not all) of my neighbors, we were drastically under insured through no fault of our own. I don’t believe that anyone is prepared for such a catastrophic emotional and financial loss. The task of completely rebuilding your life is monumental. Fortunately, the city of Poway co-operated with CARe and allowed them to hold bi-weekly insurance meetings in the City Chambers. After attending 2 of the group meetings we then scheduled several one-on-one meetings with CARe and were able to start to piece together the puzzle that is a catastrophic insurance claim. The resources which CARe was able to put us in touch with were incredible, and after they showed us the basics of handling an insurance claim we felt that we had knowledge to work through the once daunting task of negotiating with our insurance company. We could not have made it through the process without the information, help and encouragement that we received from CARe

Witch Creek Fire Survivor, 2007