MOVING!!  Effective June 1, 2007, Vukovich Insurance offices will be moving to 4641 Missouri Flat Rd., Placerville.  Our telephone numbers will remain the same and we will look forward to showing you our new offices!

Read your policy!!  The devil is in the details and insurance is a contract.   It's always advisable to review your policy at least once a year OR any time you have changes.  Sit down with a highlighter and highlight those sections that are unclear or raise questions.  We are happy to review with you any time, so please feel free to call for an appointment. 

EMERGENCY & CLAIM REPORTING NUMBERS:

Farmers Insurance Group of Companies:  800-435-7764
or online at:  www.farmers.com

Foremost Insurance Company:  800-532-4221
or online at:  www.foremost.com

California Capital Insurance Company, Claims:  800-986-9974
or online at:  www.ciginsurance.com

Drive Insurance:  800-876-5581
or online at: www.driveinsurance.com

Zurich Insurance Companies:  800-382-2150
or online at www.zurichna.com

American Modern Insurance Company claims:  800-543-2644

At Vukovich Insurance, you have the benefit of 2 separate insurance agencies in one location: Click on the below links for additional information on either agency.

Aimee Vukovich Insurance Agency  License#: 0584677
Troy Vukovich Farmers Insurance Agency License#: 0780454

Our web site is designed to provide you with information about us and some of our programs. We believe human contact is still the best method of providing insurance, so please, feel free to browse and then contact us when we can answer questions or schedule an appointment. 

BUYING INSURANCE We know that insurance may be purchased from anyone, through any source and we believe it is our superior service and knowledge that sets us apart. Everyone is an individual and we appreciate that some of your biggest investments are protected by insurance. Personal contact is essential, we are here to assist you in your insurance buying adventure. Insurance buying can be confusing, stressful and not always an easy task. We are here to help you with the coverage selection process, needs determination and premium payment options. Vukovich Insurance is not only Aimee or Troy. We are also: Wendi, Nena, Cynnie – all knowledgeable and extremely helpful.

Contractors in California will probably always have a difficult time locating suitable insurance policies.  Watch for innovative and non standard policy wording on policies that appear to be a "good deal".  Remember the old adage:  "If it sounds too good to be true, it probably is." 

General contractors:  Make sure all of your sub contractors provide you with certificates of insurance, and additional insured endorsements in your favor AND that their limit of liability insurance is equal to or greater than yours.  Absent this, your liability insurer may deny claims or rate sub contractors as if they were employees, which could be extremely costly.

Certificates of insurance are a great tool for quick reference to insurance company information and policy limits.  They are woefully inadequate, however, in providing policy information, including deductibles, exclusions, warrants and classifications covered.  If you really want a clear policy picture, you will need a copy of the policy declarations, including the endorsements list.

MOLD – a huge topic for residential consumers. We know what we hear on TV and, frankly, many times the stories heard are biased or incomplete. Decidedly this issue will not go away and is cause for concern. You may be aware of the "Mold" issues the insurers are battling and the cost of litigating and claims settlement is staggering. It has impacted the viability of the entire residential insurance market, causing many insurers to discontinue writing residential risks all together and many others to leave the state of California. This applies to both the commercial lines of business (i.e., apartments) and personal lines (homeowners, non owner occupied dwelling)