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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
Progressive Insurance:
800-876-5581
or online at:
www.progressive.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.
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HOT TOPICS
Brush Scores. Right now, we are seeing an
increase in the number of non renewals and declines in property
policies, due to brush scores. What does this mean to you?
If you are in a designated brush hazard area, your insurance is
subject to action, depending on your insurance company.
Some insurance companies have always monitored brush hazard
zones, so there are no surprises with them and you can expect to
receive continued service from them. Some insurance
companies are evaluating their financial position and find that
brush hazard zones are directly proportionate to their bottom
line profitability. Given the economics of today's
investment markets and the huge loss of capital reserves due to
the previous year's firestorms, insurers are looking at their
underwriting philosophy with much more conservatism. If
the area looks likely to be embroiled in a firestorm, the
insurers are either backing out of the market, non-renewing
policies or refusing to write in given areas. El Dorado
County is, by nature a forested area. We have many
"protected" homes (that is a fire hydrant nearby and/or within 5
road miles of a responding fire department) that still fall
within a brush hazard zone.
Softening market. The last couple of
years we have been experiencing difficult insurance markets and
we are glad to see things loosening up a bit. We are
seeing some of the rates coming down on difficult to place
risks, new programs with lower rates.
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.
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