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. 

Tuesday, March 26, 2024

Along with the beauty of California comes the constant threat of natural disasters, including floods. In recent years, the frequency floods has risen, leading to an increased need for flood insurance.

Thursday, February 15, 2024

 Your car insurance renewal can sometimes feel like a daunting task. With various factors affecting premiums and coverage, it's crucial to approach the process with awareness and preparation.

Thursday, January 18, 2024

Is your home insurance renewal approaching? If yes, it’s a great time to review your policy to ensure that your it still provides your coverage needs.

Wednesday, November 15, 2023

Umbrella insurance is an extra layer of liability protection that goes beyond the limits of your existing insurance policies, such as auto or home insurance.

Thursday, November 2, 2023

If your business falls victim to a cyber attack, the consequences can be devastating. From loss of data to lawsuits and damage to your reputation, a cyber attack can have long-lasting effects. That's where cyber liability insurance comes in

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Tuesday, October 17, 2023

Many renters do not purchase renter's insurance because they think they are covered by their landlord's policy (which is not true) or underestimate the value of their belongings. Having renter's insurance can give you financial protection.

Monday, October 2, 2023

As a business owner, you likely have insurance to protect your assets and operations. However, have you considered whether your existing insurance covers you from a catastrophic incident? This is where an umbrella insurance can be of value

Tuesday, September 19, 2023

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...

Wednesday, September 6, 2023

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.

Monday, August 14, 2023

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.

Tuesday, August 1, 2023

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...

Monday, July 17, 2023

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.

Monday, June 26, 2023

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. 

Monday, June 12, 2023

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.

Tuesday, May 30, 2023

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.

Monday, May 15, 2023

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.

Thursday, May 4, 2023

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.

Monday, April 24, 2023

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...

Thursday, March 30, 2023

While the insurance market in California can be expensive, there are a few actions you can take to potentially reduce your home insurance premium.

Wednesday, March 22, 2023

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.

Monday, March 6, 2023

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.

Thursday, February 16, 2023

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.

Tuesday, February 7, 2023

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.

Tuesday, January 24, 2023

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.

Tuesday, January 10, 2023

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.

Wednesday, December 28, 2022

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.

Wednesday, December 14, 2022

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.

Tuesday, November 15, 2022

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...

Wednesday, October 19, 2022

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.

Thursday, May 26, 2022

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....

Thursday, May 19, 2022

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.

Wednesday, April 20, 2022

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....

Tuesday, April 12, 2022

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...

Thursday, March 31, 2022

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.

Tuesday, March 15, 2022

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...