|Pavel's Insurance Blog
Our customers often ask us how to find our Farmers Insurance Agency online. My website is a good place to start, where customers can find more information about my agency and learn more about their insurance products we offer. I'd also like to invite you to connect with me through various social media networks, as seen below. And where reviews are allowed (and warranted), I would certainly appreciate it if you'd write one for me.
Please contact me directly with any insurance questions or needs.
Pavel (949) 436-0736
I always try to make sure that my customers are receiving all eligible discounts. One of the largest discounts on a Farmers auto insurance policy is the Good Driver Discount.
The qualifications for the California Good Driver Discount are mandated by the California Department of Insurance and all California insurance carriers must conform. The criteria are listed below. Please remember if you do receive a traffic citation, ticket or a moving violation, it's imperative to go to traffic school so that your insurance will not increase.
Good Driver Discount - California Insurance Code Section 1861.025
A person is qualified to purchase a Good Driver Discount policy if he or she meets the following criteria:
(a) He or she has been licensed to drive a motor vehicle for the previous three years.
(b) During the previous three years, he or she has not done any of the following:
(1) Had more than one violation point count determined as provided by subdivision (a), (b), (c), (d), (e), (g), or (h) of Section 12810 of the Vehicle Code, but subject to certain modifications.
(2) Had more than one dismissal pursuant to Section 1803.5 of the Vehicle Code that was not made confidential pursuant to Section 1808.7 of the Vehicle Code, in the 36-month period for violations that would have resulted in the imposition of more than one violation point count under paragraph (1) if the complaint had not been dismissed.
(3) Was the driver of a motor vehicle involved in an accident that resulted in bodily injury or in the death of any person and was principally at fault. The commissioner shall adopt regulations setting guidelines to be used by insurers for the determination of fault for the purposes of this paragraph and paragraph (1).
The criteria seem a bit confusing, but in a nutshell, you cannot have more than one traffic citation or accident in the last 3 years. And by going to traffic school, most citations (not accidents) are expunged from your driving record.
If you have any questions about Farmers Auto Insurance, please call me at (949) 436-0740.
Of course these are just my suggestions, and you might find that you need other things as well. The most important thing is that you are prepared in the event of an accident or other surprise. Travel safely!
Hurricane Sandy was one of the worst disasters our nation has ever seen. Thousands suffered horrific property losses from this event and as many were caught not having flood insurance, they suffered tremendous financial losses as well. Here in Southern California, rain isn’t too common. But when it does rains, it seems to pour. Home Insurance policies typically do not cover flooding.
What is a flood?
According to official sources, a flood is defined as "a general and temporary condition where two or more acres of normally dry land or two or more properties are inundated by water or mudflow." Hurricanes, overtopped levees, outdated or clogged drainage systems and rapid accumulation of rainfall can result in floods. The most common and costly natural disaster in the U.S. is flooding. Water from flooding can cause serious damage to homes, even a few inches that come into a house can leave a homeowner with heavy costs. Most mortgage lenders will require flood insurance if you do live in a flood zone.
Flood insurance protects two types of insurable property: building and contents. The first covers your building, the latter covers your possessions; neither covers the land they occupy.
Building coverage includes:
Contents coverage includes:
If you haven't already completed a home inventory checklist, get going today. Should you have any questions about Farmers Flood Insurance, please call me at (949) 436-0740.
You may think of your driveway as a simple strip of concrete that takes you from your private property to public roadways. However your driveway is your responsibility, make sure it’s properly maintained so it doesn’t become a hazard.
Driveways don’t stay smooth forever -- uneven pavers or driveway cracks and potholes are a common problem. They compromise the appearance of the driveway, can be hard on your car and most importantly, can present a tripping hazard. If someone trips and falls on your property, you could be legally responsible for their injuries. And some homeowner’s insurance policies may not offer enough protection against major personal liability claims.
What would you do if a mishap occurred on your property and caused damage or injuries beyond the terms of your homeowners insurance? Worse yet, what would you do if you found yourself named as the defendant in a multi-million dollar lawsuit because of damages or injuries that occurred on your property? We don’t expect the unthinkable to happen but sometimes it does. Although there’s no way to completely avoid the possibility of being sued, there is a way to help reduce the potential impact of a devastating lawsuit: personal liability coverage.
Do you have an umbrella?
Farmers Personal Liability Umbrella insurance supplements the liability coverage you already have through your homeowners or auto insurance and provides an extra layer of protection through increased or excess coverage limits. The umbrella policy kicks in when you reach the limit on your underlying liability coverage. Most importantly, the cost of your legal defense is provided for a covered loss.
Plan for the unexpected
Most of us work very hard to accumulate assets — it’s important to try to protect them. You never know when the unexpected may occur — make sure you’re prepared and don’t forget your umbrella. Umbrella policies are relatively inexpensive, compared to the coverage they provide. The average umbrella policy, providing an additional $1 million in liability protection, costs under $300 per year. Call me for more information.
You may want to consider purchasing a Personal Umbrella policy if:
Read more about umbrella insurance here. If you have any questions about Farmers Umbrella Insurance or would like a quote with no obligation, please call me at (949) 436-0740.
Do you periodically evaluate your life insurance needs? If not, perhaps you should. As circumstances in our lives change, our life insurance needs may change as well. That’s why it’s a good idea to review your life insurance needs annually. Here are some major life events that might trigger the need to re-evaluate your life insurance coverage:
Call me. I can help you analyze your needs so that you can determine an appropriate strategy to support your individual objectives.Pavel Levitanus, Farmers Insurance (949) 436-0740
On June 28, 2012, Standard & Poor's upgraded Farmers Insurance Exchange to 'A+' from 'A' . Standard & Poor's Ratings Services announced that it raised its long-term financial strength and issuer credit ratings on the members of Farmers Insurance Exchange group to 'A+' from 'A'. It added that "the outlook is stable."
"The upgrade is supported by the view that despite recent years of catastrophe events, low interest rates, and minimal premium increases, Farmers has performed well compared with higher-rated peers," said Standard & Poor's credit analyst Jieqiu Fan.
In a press release, Standard & Poor's Ratings Services went on to say: "The upgrade reflects Farmers' strong competitive position, its being the third-largest U.S. personal insurer, its diverse product offerings and broad-based distribution channels, strong operating performance consistent with peers', and its strategic importance to Zurich Insurance Group (ZIG)...We expect Farmers to maintain capital strength at the 'A' level as measured by our capital model."
This only further cements our goal of Farmers Insurance becoming the largest property and casualty insurer in the United States by 2020. Farmers is currently the largest property & casualty insurer in California.
If you have any questions about Farmers Insurance, please call me at (949) 436-0740.
There are additional coverages that can be added to the Farmers home insurance policy, also known as endorsements. There is a charge for most of the endorsements listed below.
IDENTITY SHIELD COVERAGE - With Farmers Insurance Identity Shield, you receive credit monitoring 24 hours a day with quick e-mail notification whenever there is something abnormal in your credit file. Also, you gain 24 hour access to identity experts who can assist you if you ever become a victim of identity theft or other related crimes.
BUSINESS PURSUITS COVERAGE - Farmers offers an optional coverage for your business pursuits. Items that are valuable to your home business can be covered for unexpected losses at or away from your home, which could affect you financially. However, your unendorsed home insurance policy still provides coverage of up to $5,000 for electronic data processing equipment such as your laptop.
EARTHQUAKE COVERAGE - Standard insurance policies do not cover damage caused by an earthquake. Optional coverage may be available for your home and your belongings that are damaged (or destroyed) due to an earthquake. We offer earthquake insurance through the the California Earthquake Authority (CEA).
FREEZER FOOD SPOILAGE COVERAGE - For an additional premium, Farmers will provide additional coverage to cover the loss or damage to food in a freezer on the residence premises when the loss or damage is the result of interruption of power or other utility service originating off the residence premises.
ECO REBUILD COVERAGE - With our Eco-Rebuild endorsement, in the event of a covered loss, policyholders can get up to $25,000 coverage for extra costs to rebuild, repair or replace with green contents and materials. For example, if your dishwasher is damaged or destroyed from a covered loss you can upgrade your dishwasher with the more expensive energy star models.
JEWELRY FLOATER - In case of theft of jewelry or watches, your standard home insurance policy will cover up to $1,000 per item, and up to $5,000 total for all jewelry and watches stolen in any one covered loss. Your jewelry is covered for some losses other than theft up to your Personal Property limits listed in your policy. For true peace of mind with higher-end jewelry, consider purchasing a Jewelry Floater, which can cover the full value of your valuables, including damage to your ring.
WATERCRAFT COVERAGE - If you own a small watercraft or windsurfing equipment, your regular home insurance policy provides coverage, subject to the exclusions listed in the policy, up to $3,000 cash value. Note: you are not covered for theft away from your home. For increased limits, you may consider purchasing additional watercraft coverage.
CHILD CARE LIABILITY - This endorsement amends the policy to cover bodily injury and property damage resulting from an occurrence under Section II – Liability Coverage for home child care services.
CAMERA FLOATER - Privately owned cameras, projection machines and all equipment used for photography purposes. Miscellaneous property, such as binoculars, telescopes and the like, which may be used in conjunction with cameras and photographic equipment, may be insured under this policy, when included with cameras or projectors.
If you have any questions about Farmers Home Insurance Coverages, or the endorsements listed above please call me at (949) 436-0740.
"Best Insurance Agent Ever! Seriously, Pavel provides fantastic customer service and any time we have a question or new insurance need Pavel responds immediately. He is kind and knowledgeable whether we are dealing with our personal or business insurance needs." - Ruth, San Clemente, CA
"It's all about service. When I needed an insurance solution, Pavel made it fast, simple and accurate. He found me a solution at half the cost and with less than half the time-and-effort than I had been able to find before working with him. I'd recommend Pavel highly to anyone looking for an excellent insurance service experience." - Jeff, Laguna Hills, CA
"Best insurance agent ever!!! I'd pay higher premiums just to have Pavel as my agent, but I don't even need to! When I switched to Pavel a few years ago he lowered my rates significantly. His customer service is unmatched, always knows the best ways to find the most value out of your policy, and always responds promptly to questions & requests." - Brandt, Ladera Ranch, CA
"Great service. I am a college student from Orange County at UC Berkeley. I have been with Pavel for just over a year but my parents have been with him for years. I highly recommend Pavel and his services. He is fair in ensuring you have what you need, prompt in his responses, and extremely knowledgeable in his area. Not only is Pavel knowledgeable but he is easy to talk to and caring of his clients." - Justin, Laguna Niguel, CA
If you have any questions about Farmers Insurance or need a Farmers Insurance agent, please call me at (949) 436-0740.
Sometimes there is confusion when it comes to a home insurance policy, what is covered, what limitations exist, and how long the claims process will take. Below I compiled a summary of answers to customers' most-frequently asked questions. You'll find information regarding the home insurance as well as the claims process:
If you have any questions about Farmers Home Insurance or need a Farmers Insurance agent, please call me at (949) 436-0740.
My agency often receives calls from homeowners who have been dropped by their insurance carriers. Many carriers such as Travelers, State Farm, and Allstate will cancel policies when customers have more than one home insurance claim filed in a 3-year period. As a Farmers home insurance customer, you will have the peace of mind knowing that you will not be dropped unless you have more than 3 claims in a 3-year period.
Another advantage of being a Farmers home insurance customer is that we will insure your property in certain fire areas when other insurance companies will not. Our Farmers agency has been able to place home insurance customers in many notorious fire-prone areas by working with the homeowners to make sure their property is acceptable to our underwriting department. We even offer suggestions to protect your home against fires, such as recommending products like Flamestop. When applied to the outside of your home, this primer has been proven to stop the spreading of flames.
Farmers also owns a specialty carrier called Foremost Insurance that will most likely insure your home if for some reason Farmers will not. As a Farmers insurance agent, I am able to write policies under the Foremost umbrella.
If you have any questions about Farmers Home Insurance or need a Farmers insurance agent, please call me at (949) 436-0740.
Perhaps the most important argument for the purchase of life insurance is to provide for our loved ones. Though no one wants to, it’s important to give this some thought: When you die, who is left behind? If your answer is a spouse or children, then consider how their life may change without your income. The mortgage will still need to be paid; other bills will still come due; then there’s your kids’ college plans. Bottom line: Most things that your income currently pays for or helps to pay for won’t go away if something happens to you. One solution: You may want to consider life insurance — an effective income replacement tool.
Although there are several methods available to determine replacement needs, you may want to consider using a multiple of your current salary. I can work with you so you can determine what suits your individual situation.
Some of the factors we will review include:
I can help
If you haven’t completed a life insurance income replacement analysis, or if any of the life factors discussed above have changed, call me. I can work with you so you can make sure you have the coverage you want. You can’t guarantee that you will always be around to provide your family with an income, but you can help ensure your family’s financial security should something happen to you.
If you have any questions about Farmers Life Insurance or need a Farmers Insurance agent, please call me at (949) 436-0740.
I receive many phone calls each year from customers who have water damage inside their home. Water damage or water-related damage is the cause of many claims and millions of dollars in losses annually. In this blog, I will discuss a preventative maintenance tip for homeowners to avoid water damage inside their home.
The most common types of insurance claims we see at Farmers Insurance are water damage caused from either a pinhole leak in a pipe or a bursting pipe. Often this happens because water pressure is too high.
Water pressure can be regulated very easily by simply connecting a water pressure gauge (a $10 tool that can be purchased at Lowe’s, Home Depot or Amazon.com) to the main outside faucet (the one with a direct line to your meter). When you turn the faucet on, you will get a reading on the gauge which should measure between 40 PSI and 80 PSI. If the pressure measures higher than 80 PSI, there is increased water pressure entering your home, which can stress the pipes and could subsequently lead to a pipe leaking or bursting and water damage inside the home. If you do find that you have higher than 80 PSI, you should contact a local plumber who can install a water pressure regulator (normally costs about $500 for parts and labor). A water pressure regulator will even out the water pressure, as well as reduce strain on plumbing fixtures and increase their service life.
Obviously the cost of not installing the regulator or not being aware of water pressure issues could be much greater if a pipe bursts and causes water damage in your home. So make sure to check the water pressure at your home a few times a year, or whenever you hear a whistle or high-pitched noise while water is running.
Read more about Farmers Home insurance water-related claims here.If you need help understanding your home or condo insurance policy, please call me at (949) 436-0740.
There are many insurance companies out there fighting for your business and I certainly realize that being a Farmers Insurance Agent. You might be asking yourself "Do I Need an Insurance Agent?" Here is my response to that question. I believe there is a great value in having a Farmers agent take care of your insurance needs. Today I will list 8 reasons to purchase an insurance policy with Farmers Insurance, and furthermore, through my agency.
Farmers Insurance is the largest property and casualty insurance carrier in the state of California, with over $428 Billion in assets and is owned by one of the world's largest banks, Zurich Financial Services Group. As far as financial solvency, Farmers Insurance is rated A+ Excellent by Moody and AM Best. That's not easy to come by in today's economy.
Farmers is rated A by J.D. Power & Associates for our claims service. In 2005, 2006, and 2007, Farmers Insurance won the award for Call Center Customer Service Excellence. Still today, our claims center is available 24 hours a day, 7 days a week for questions on your claim or to initiate a claim by calling 1-800-HELPOINT.
Not many people realize that Farmers Insurance has local roots right here in our backyard. Farmers had its beginnings in Southern California in 1928.
Farmers Insurance offers affinity discounts of up to 18% to teachers, policemen, nurses, scientists, realtors, engineers, and many more professionals.
Are you my customer? Do you have any feedback about my agency?
As always, if you have any questions about your policies or need a Farmers Insurance agent, please call me at (949) 436-0740.