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2100 E Foothill Blvd
Pasadena, CA 91107

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Reinas Insurance Agency Inc Blog

When should you review your life insurance

Life insurance is an important gift that you provide for your loved ones. The amount of insurance you need when you are young and unmarried may not be the same amount you need when you are middle-aged or old. Our agents at Reinas Insurance Agency Inc. in Pasadena, CA, will help you to understand the importance of both life insurance and we will review your life insurance periodically. 

When you get married

Many events in your life are milestones, and getting married is one of them. At this time, if you have life insurance, it is time to change the beneficiary or at least add your spouse to your beneficiaries. You also need to discuss how much life insurance you need at this point in your life. If both of your salaries are necessary to maintain your lifestyle, then you and your spouse need to consider the amount you carry. 

When you change employment

Many people get life insurance as a benefit from their employer. The problem with this coverage is that you don’t necessarily have control of it. If you leave your job for no reason, you may not be able to take it with you. Even if you can take over the payment, it may not be the best value for that amount of insurance. Never count on employment insurance as your only life insurance. 

When you have children

Making sure that your children are cared for if anything happens to you is vital. This may be one of the main events in your life; talking to your independent insurance agent and spouse about the amount of life insurance you need is essential. 

For all your life insurance questions and needs, call Reinas Insurance Agency Inc. in Pasadena, CA. 

Auto Insurance: The Differences Between Comprehensive and Collision Coverage

Understanding Auto Insurance: Comprehensive vs. Collision Coverage

Are you considering a new auto insurance policy? There’s no denying the importance of distinguishing comprehensive from collision coverage – crucial knowledge when deciding on car insurance in Pasadena, CA. The expertise from Reinas Insurance Agency Inc. will ensure you understand these differences before making any decision.

What Is Comprehensive Coverage?

Unforeseen incidents taking a toll on your vehicle in Pasadena, CA can entail various scenarios – a tree slamming into your vehicle damaging both interior and exterior being a prime example. In such instances, comprehensive coverage extends the needed auto insurance protection.

What Is Collision Coverage?

Damage to your automobile can result from multiple scenarios, such as a tree fall or vandalism, but standard car collisions are a frequent cause. Collision coverage caters to this eventuality, taking care of damages inflicted during a standard accident.

Comprehensive or Collision Coverage?

When selecting an auto insurance policy, the golden rule is to ensure enough coverage under both comprehensive and collision insurance. Consult with a representative from Reinas Insurance Agency Inc. to gauge the costs vs the value provided by these coverages, considering your car’s worth and condition.

Are you confused about the Best Auto Insurance Policy?

Determining the right car insurance policy for your vehicle in Pasadena, CA, can be daunting. At Reinas Insurance Agency Inc., we are ready to provide you with the needed guidance and assistance throughout your car insurance shopping journey. Contact us today.

What Are the Two Main Categories of Commercial Insurance?

Unlike other forms of insurance, commercial insurance comes in several types, making it hard to understand exactly what you need when you begin looking for the right coverage for your business. Are you looking for commercial insurance but don’t know where to start? Here’s what you need to know about the different types of commercial insurance and how we at Reinas Insurance Agency Inc. in Pasadena, CA, can help you navigate this complex form of insurance and help you find the best coverage for your business endeavors. 

Commercial Insurance Encompasses a Wide Range of Policies, But They Can Be Broken Down Into Two

Umbrella insurance generally falls into either property insurance or casualty insurance. Property insurance is relatively straightforward, helping you protect your physical property against theft or damages that could occur while you’re doing business, something that’s always a possibility regardless of whether you run a brick-and-mortar business or an online business. Meanwhile, casualty insurance may encompass forms of insurance like workers’ compensation or even automobile insurance if you have a business that does deliveries. Some companies may need both categories of insurance, and others may only need a few from each category. 

Find What You Need Here With Reinas Insurance Agency Inc.

No matter what type of business you run, having commercial insurance can mean the difference between potentially closing down and having the coverage you need to navigate complex challenges and emerge victorious. Here at Reinas Insurance Agency Inc. in Pasadena, CA, we’re here to help you find the right commercial insurance for your business needs. Contact us today or compare quotes now if you already have an idea of what types of commercial insurance you need for your online or physical business!

Is Town Water Line Rupture Covered by my Home Insurance?

When considering home insurance coverage, it’s best to look ahead to what might happen instead of seeing if you have coverage for something terrible that already happened. Although no one wants to think about disaster striking their home, it can and does happen, and you’re much better off ensuring you have home insurance protection for unexpected events. Your home insurance representative at Reinas Insurance Agency Inc., serving Pasadena, CA, wants you to be prepared, including if your town water line ruptures. The potential for damage in the event of a town water line rupture is severe. If a homeowner were to try to carry the burden of such a catastrophe, it could conceivably wipe out their savings.

The Answer Depends, But Probably Not.

Home insurance policies vary greatly. Generally, they cover the structure of your home and personal belongings against various perils. However, the intricacies of coverage for external water lines can be complex.

Typically, the central policy excludes damage from external water sources. This means that if a town water line breaks and causes damage to your property, the standard policy might not cover the repairs. Insurance companies often view such lines as the responsibility of the municipality or the homeowner, depending on where the break occurs.

You Can Get it Covered.

Yet, there is hope. Some insurers offer additional coverage options that homeowners can purchase. These endorsements extend protection to include service lines. This extra coverage can shield you from the high costs of repairing damage to your yard, driveway, and home caused by a water line rupture.

As mentioned, reviewing your policy details before, not after, something occurs is crucial. Some policies might offer limited coverage under certain conditions. Engaging in a detailed discussion with your insurance agent like Reinas Insurance Agency Inc., serving Pasadena, CA, can clarify these nuances.

Always remember that understanding the specifics of your policy helps in navigating the waters of home insurance with confidence. Contact us today for more information!

Health Insurance for Freelancers and Self-Employed Individuals

Securing comprehensive health coverage is crucial, especially when navigating the complexities of health insurance for freelancers and self-employed individuals. Here at Reinas Insurance Agency Inc. serving Pasadena, CA and surrounding areas, we offer a helpful guide to assist in this endeavor.

Health Insurance for Freelancers

1. Evaluate Plan Options: Explore available health insurance plans. Consider options like the Health Insurance Marketplace, private plans, or professional associations that offer group coverage for freelancers.

2. Assess Coverage Needs: Assess your medical needs, considering factors like prescriptions, doctor visits, or specialized care. Tailor your health insurance plan to match your specific health requirements.

3. Consider Health Savings Accounts (HSAs): HSAs offer tax advantages and allow self-employed individuals to save for medical expenses. Investigate if an HSA aligns with your financial and health coverage strategy.

4. Review Premiums and Deductibles: Understand the balance between premiums and deductibles. Higher deductibles often result in lower premiums but higher out-of-pocket expenses. Find a balance suitable for your financial situation.

5. Network Coverage: Check if your preferred healthcare providers are within the plan’s network. Confirming network coverage ensures access to desired doctors and healthcare facilities.

6. Open Enrollment Periods: Stay informed about open enrollment periods. Missing these windows may limit your health insurance options unless qualifying life events allow enrollment outside these periods.

7. Consult Insurance Experts: Connect with us today as our team specializes in guiding freelancers and self-employed individuals through suitable health insurance options tailored to their specific needs.

Contact Us Today!

Careful consideration is essential when navigating health insurance as a freelancer or self-employed individual. Make sure your health coverage aligns with your needs and budget. Reinas Insurance Agency Inc., serving Pasadena, CA and its neighboring areas, is ready to support you in obtaining comprehensive health insurance coverage for peace of mind.

Life Insurance FAQs

At Reinas Insurance Agency Inc. in Pasadena, CA, we are a locally owned independent insurance agency with a team of experienced agents who are ready and able to answer your questions about life insurance and help you get the coverage that you need to protect the ones you love. 

Life Insurance FAQs

What is the best choice, whole life or term life?

Both whole life and term life insurance can have a place in a long-term financial plan. Whole life earns dividends and allows you to save while getting protection. You can borrow against the value if you need to. Term life insurance lasts for a term, most often 20 years and at the end, has no value. It is strictly a death benefit, but it is more affordable, so it makes a good option when you have young children. 

Can I have more than one beneficiary?

You can have as many beneficiaries as you want. It is your choice. Be mindful of the fact that if you choose children, they likely won’t be able to collect until they reach legal age in the state where they reside. 

Do I need to buy life insurance for my children?

If you want to start your children off with a small policy as a way to save for them or to guarantee that they will be able to purchase life insurance at a later date, this makes sense. It is not, however, necessary. 

When choosing your life insurance, keep the premiums in mind no matter why you are purchasing it. It can’t help you or your family if you have to let it lapse because you can’t afford it. 

Consult With Us

In Pasadena, CA, you can count on the team at Reinas Insurance Agency Inc. to help you achieve your life insurance goals. Give our office a call today to discuss your needs. 

Can I Get Away with Only Liability Insurance?

If you’ve been a vehicle owner for a while, you’re aware of how expensive full-coverage auto insurance can be in Pasadena, CA. If you like living as frugally as possible, you might be tempted to try to get away with only carrying liability insurance on your vehicle. But is it a good idea? Is it possible? We at Reinas Insurance Agency Inc. are aware of the struggle to pay the high insurance rates in Pasadena, CA. Here is our stance on the probability of getting away with only liability insurance. 

Is Your Vehicle Being Financed? 

When a bank finances a vehicle for you, full-coverage insurance is almost always required as a condition of the contract. Therefore, you must carry full coverage insurance and not just liability insurance, or your car could get repossessed if the bank finds out. 

Do You Drive Frequently? 

If your car is fully paid for, yet you drive frequently, attempting to carry only liability insurance isn’t a good idea. While you’re not required to have full coverage insurance on a vehicle that you’re no longer making payments on, if you drive a lot, it’s smart to have. Why? Pasadena CA is a busy area full of many drivers. This increases the likelihood that you might become involved in a car accident, and you want to ensure you’re covered if you are. 

We Are Here To Help

As you can see, there are several things that you need to consider before deciding to try to get away with only liability insurance. If you have an older car that you don’t drive much, liability might be the best option. However, if you have a late-model vehicle and you’re still making payments on it, full-coverage insurance is a must. If you need a new insurance provider, contact us at Reinas Insurance Agency Inc. for a quote, and hopefully, we can serve you like we have served so many other customers over the years. 

Required Commercial Insurance in California

When you own a business in California, there are a number of types of commercial insurance that you may need, depending on your type of business. There are also a couple of types that are mandated for certain businesses. It’s a good idea to know what the required policies are in case your business must have one. It’s also smart to look into other types of commercial insurance that you may need such as general liability and cyber insurance.

When you need any type of commercial insurance, call us at Reinas Insurance Agency Inc. in Pasadena, CA.

Workers’ Compensation Insurance

Workers’ compensation insurance is a type that protects both businesses and employees from the costs of accidents and illnesses that come with medical bills and other expenses. When someone is injured at work or gets a disease that is work-related, the policy will pay for expenses like lost wages and medical bills. This protects the liability companies have for workplace injuries and illnesses.

For employees, it makes the funds they need available to them in the event of an accident. It’s important for businesses to have this coverage not just because it’s required for all California businesses with any number of employees but also because it protects your business financially. 

Commercial Auto Insurance

When you have a California business that owns a vehicle, it’s important to have a required commercial auto policy for it. This goes for all vehicles that your business owns. The policy is required to cover the vehicle against liability, but you can add other types of coverage as well. The law requires the policy to have coverage for both property damage liability and bodily injury liability. These only cover the damage done to someone else’s property or their injuries.

To cover your own property, you can add collision and comprehensive coverage onto your policy. This will protect the vehicle against a wide range of risks. 

Get Your Commercial Coverage

When you need commercial insurance, we can help. Call us at Reinas Insurance Agency Inc. in Pasadena, CA.

Three Ways That Home Insurance Protects You

Owning a home is a great way to build wealth as well as a way to be more independent. When you own a home, you need to have a home insurance policy to protect yourself. For most people, having home insurance is required for them. Virtually all lenders will require you to have this insurance, and most HOAs require it, too. When you need this insurance, call us at Reinas Insurance Agency Inc. in Pasadena, CA.

Protection for the Dwelling

You need the home itself to be protected against incidents that cause damage, and home insurance offers that protection. It’s important to have this insurance so that when certain incidents happen, such as specific types of disasters and accidents, you can get the repairs paid for by the policy. This can protect your investment from a wide range of risks. 

Protection for Your Possessions

Your possessions also cost a lot of money, and you need to protect them. When you have home insurance, it covers your possessions in the home against certain incidents that can ruin or destroy them. This is valuable coverage because the value of everything when you add it together is considerable. Replacing everything on your own would likely cost too much to afford. With the policy, it will pay for the replacement of the items that were destroyed. 

Protection for Your Liability

You’re liable for what happens in your home, and that includes outsiders who have accidents while on your property. If someone were to get injured in your home, the medical bills, lost wages, and other expenses would be paid for by you. When you have home insurance, the policy pays these bills. 

Get Home Insurance

If you don’t have home insurance, it’s time to get it. Call us at Reinas Insurance Agency Inc. in Pasadena, CA. 

     

 

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