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Ares Insurance Insights
Let's face it, insurance can be perplexing. Talk of limits, endorsements, exclusions, deductibles, perils and the like can be confusing, and at times, uninteresting. Not only is insurance an industry that uses complicated jargon, it changes constantly with new products, laws, and innovations. Since insurance is something that we all need, wouldn't it be great if we understood it better?
Ares Insurance Insights provides content to do just that - to break down the intricacies of insurance into user-friendly content. Our blog discusses regular day-to-day concerns surrounding your home, car, condo, valuable items, business, and a lot more to answer your insurance questions. But of course, if you need more information, don't hesitate to get in touch.
Protecting Your Home from Water Damage
Water damage can wreak havoc on your home, causing significant financial and emotional distress. In fact, water damage is one of the top three most common home insurance claims. From leaky roofs and burst pipes, water damage is a serious...
Read MoreRev Up Your Protection with Collector Car Insurance
Collector car insurance offers unique advantages and tailored coverage for classic and vintage car enthusiasts. Here are some compelling reasons to consider collector car insurance.
Read MoreUninsured Motorist Coverage: Why It's Important and What You Need to Know
Have you been in a car accident caused by an uninsured driver? If yes, you understand the worry it can cause when thinking about how to pay for damages caused by the uninsured driver. This is where uninsured motorist coverage comes in.
Read MoreHow does the California FAIR Plan insurance work?
With many standard insurance carriers limiting the homes they will cover due to high fire risk; many people are obtaining insurance through the California Fair Plan. Here's how it works...
Read MoreDo I Need a Personal Articles Insurance Policy? 5 Key Considerations
From jewelry, fine art and collectibles, we invest a significant amount of money and sentimental value in these items. To safeguard our prized possessions against theft, loss, or damage, personal articles insurance policies come into play.
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Benefits of Workers Compensation Insurance
There’s only so much you can control when running a company. And despite keeping a safe environment for your employees, accidents can happen. Workers’ compensation insurance is there for you for the things you can’t control.
Read MoreBuying your first house? 5 Tips for Getting Home Insurance
Before you close on your first home, your lender will require proof of insurance with coverage that protects your residence, detached structures, and personal belongings. Here are five tips to help you get home insurance.
Read MoreDo I need earthquake insurance?
Earthquake insurance isn’t required by your lender or by the state. In California, where earthquakes are more likely, more frequent, or more powerful, considering Earthquake insurance might be beneficial for you financially.
Read MoreAre Pools Covered by Homeowners Insurance?
While pools are fun and a great way to cool off during the hot summer, they do present more risk to the homeowner, which is why it’s important to understand the pool coverage provided by your home insurance policy.
Read MoreMy employees work remotely. Do I still need workers' comp insurance?
With many companies having their employees work remotely on a full-time or hybrid basis, business owners might be wondering if they can cut costs by canceling their workers’ compensation insurance.
Read MoreCondo Owner? You should consider getting earthquake insurance
What if your HOA maintains a master earthquake policy? Is that enough coverage? It is still important to consider a personal policy. Here's why...
Read More4 Ways to Save on Home Insurance
While the insurance market in California can be expensive, there are a few actions you can take to potentially reduce your home insurance premium.
Read MoreWhat is commercial umbrella insurance?
You can’t predict when something unfortunate will happen in your business. One step you can take to protect yourself and your business from a catastrophic event is through purchasing a commercial umbrella policy.
Read MoreI don’t have assets; do I still need umbrella insurance?
Some will say that umbrella insurance becomes more important when you build significant wealth and assets. While this is true, you don't have to be wealthy to consider an umbrella policy.
Read MoreGet the Perfect Valentine’s Gift? Remember to insure it
February, with its hallmark Valentine’s Day, has many buying gifts to show their love. Some will think outside the chocolate box and gift jewelry. When it comes to valuables, homeowners insurance may not provide enough coverage.
Read MoreWhy do you need cyber insurance for your small business?
Businesses with any digital footprint are vulnerable to cybercrime. And it’s not just large companies that are targeted. Small businesses face threats too. Cyber insurance provides small businesses resources to respond to cyber incidents.
Read MoreAre you remodeling your home (or thinking about it)? Then Keep Reading…
Remodeling your home, or making improvements, can be exciting and fun. Besides choosing the best floors, cabinets, finishes or contractor, you need to consider how your remodel might impact your home insurance.
Read MoreIt's the rainy season. Do you have the right insurance?
With the wet winter weather upon us, flooding may be of concern for some homeowners. Flooding can happen unexpectedly and cause considerable damage to homes and personal property.
Read MoreDo you have the right coverage for your valuables?
Jewelry, Electronics, Golf clubs, Fine art, Wine. We all have things that we collect or buy that are totally worth the splurge. Some of it might be quite valuable and require special insurance coverage.
Read More‘Tis the Season for gifts...and insurance
Insurance is probably the last thing on your mind during the busy holiday season. But you should consider a valuable items policy to protect the gifts you give or receive.
Read MoreDoes my home insurance cover earthquakes?
In general, your homeowners, renters or condo policy doesn’t cover earthquake damage to property and personal belongings. That means the only way to protect your home from earthquake damage is to purchase added coverage...
Read MoreAlexa, what is personal cyber protection coverage?
Connected devices make our lives easier, but they create cyber entry points that can be hacked causing chaos in your life. Some insurance companies now offer personal cyber insurance to help cover some of the risks of being hyper-connected.
Read MoreSimple Cyber Security Tips
If you’re reading this, you’re online. Nearly everyone is now, from kids with phones to grandmas looking at those kids on social media.Unfortunately, if you’re online, you’re also vulnerable to cyber attacks....
Read MoreWho needs umbrella insurance?
You've bought your home and car insurance and now you're considering an umbrella insurance policy. Do you need it? There are many factors to think about and you likely could answer, yes, to our consideration questions.
Read MoreHow does umbrella insurance work?
You’ve probably heard of it, but how does umbrella insurance work? Umbrella insurance works for you as an extra layer of protection. It kicks in when your base liability limits on your home or car insurance have been reached....
Read MoreCheck out these easy ways to save on your insurance
It seems like everything in your life is going up, up, up. But your insurance doesn’t have to follow suit. While we can’t control rates or the market as a whole, we can give you some sure-fire ways to keep those...
Read MoreTax Time Is Review Time
Use tax season to assess your insurance too. While preparing to file and taking inventory of what you own and earn, see if you need to add anything to your insurance.
Read MoreOut and About Means Watch Out!
It’s finally here. While the pandemic isn’t completely over, people are getting vaccines, businesses are opening up, and trips are being planned.All of that is great news. But it also means that many people who have been...
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