Paul Nadler

With the current economic climate of our country, money is tight. Everything costs more these days – whether it be high food costs, soaring gas prices, or astronomical property expenses – people are looking for ways to save. You may be surprised to learn that living in a coastal state or an area prone to natural disasters, such as the San Francisco Bay Area, can raise your homeowners insurance costs. But there are steps you can take to keep them at bay and under control.

1. Upgrade your home and keep up with maintenance procedures – this is possibly the most important and effective step in keeping homeowners insurance costs down in coastal areas. Adding a new roof or storm resistant windows to the house will help your house in the event of a hurricane or other natural disaster
2. Keep current on home security and alarm systems – installing a burglar alarm and dead bolt locks can lower insurance costs, as well as having a sophisticated fire alarm and sprinkler system.
3. Raise your deductible to lower your premium – depending on how high you raise your deductible, you can dramatically lower your premium
4. Combine your homeowners policy with another insurance product through Nadler Insurance and save up to 30%. Nadler will analyze your insurance needs and develop a plan that will help you save!

If you're in the San Francisco Bay Area, contact Nadler Insurance for more money-saving tips for your homeowners insurance plan, or visit our website for a free online quote from our virtual insurance office!

California and wildfires are synonymous by now – at least 1,500 homes were destroyed by fires in 2007 alone. It’s nothing new, but it does happen, and it creates a bit more consideration to give when buying a home in the Golden State.

Before you attach yourself too strongly to a house in Cali, you need to find out what your insurance company is going to require, as lots of insurance companies won’t even insure you if you’re in a high-risk area or if your home isn’t well-protected. Below are a few things that insurance companies love. Maybe you can fall in love with a house that:

• has a tile roof

• has an alarm system that includes fire

• is near a fire station

• has indoor overhead sprinklers

• is made of stucco

• has tile, concrete, or other non-flammable surfaces around and inside

• has good clearance around the the perimeter from brush, trees, and flammable structures

• has landscaping that is fire-retardant

There are other ways to protect your home against the angry wildfires. Many homes that were saved during fire season are those that had fire-retardant succulent plants or fire repellant ground covering around the home’s proximity.

Having trouble finding a home insurance company to insure you? Paul Nadler Insurance (NadlerInsurance.com) is an independent insurance agency in the San Carlos area that can seek out the best carrier for you. A representative will work with you to decide on a policy that makes you comfortable.

Paul Nadler Insurance is an independent insurance agency in the San Carlos, California area. To learn more about San Carlos, San Mateo, and Redwood City home insurance, contact them today.

So many car owners attempt to get by with only getting the state-required amount of auto insurance, but not having the appropriate amount is equal to committing fiscal suicide. If you’re involved in an accident – and it happens to everyone – the repair and damage costs can sprout into a massive number, making it difficult for you to get by financially. In some cases, you may even have to do without a vehicle for awhile.

That’s why it’s so important to cover your car’s “needs.” You’ll need to find an insurance agent, such as NadlerInsurance.com, that can offer you the best price for your own tailored policy. Finding the right agent means that they will determine what risk factors you have and help you reach a place where you’re comfortable with your coverage.

Factors that go into determining your risks are based on your gender, age, occupation, driving record, type of vehicle, and where you live. These are obviously things that you can’t always control; however, choosing which coverage to purchase will be up to you:

Your agent will make recommendations (see below), but it’s up to you to decide what makes you feel safe when it comes to your auto. The types of coverage that are normally strongly recommended by agents are Liability Coverage, Comprehensive Coverage, and Collision Coverage. Liability will cover any damages you cause when you’re involved in an accident. Collision covers damage to your own vehicle in an accident, and Comprehensive covers damage to your vehicle that is not accident-related, such as damage caused by a natural disaster, vandalism, or theft.

Your agent may also tell you that it’s not a good idea to settle only for the minimum coverage required by law. This isn’t just an attempt to up-sell you; it’s true. Again, not having the appropriate amount is equal to committing fiscal suicide! Besides, the more auto insurance you buy, the cheaper your policy will turn out to be, meaning you’ll get more coverage with just a slight increase in your cost.

Don’t let your car be caught with its pants down – make sure it’s well-protected.

Paul Nadler Insurance is an independent insurance agency in the San Carlos, California area. To learn more about San Carlos, San Mateo, and Redwood City auto insurance, contact them today.