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January 26, 2024
Ranch and Coast Insurance Services

The Importance of Earthquake Retrofitting: How It Affects Insurance Rates

Earthquakes, though often unpredictable, are a persistent threat to communities worldwide. As urban areas expand and populations grow, the potential consequences of seismic activity become even more significant. In the face of this natural hazard, earthquake retrofitting is crucial to mitigate damage and protect lives. Beyond the immediate safety benefits, retrofitting also plays a pivotal […]
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December 29, 2023
Agency

Property Insurance for Farm Buildings Coverage for Barns, Silos and More

Agriculture is the backbone of our society, providing sustenance and resources for the world. Farmers invest significant time, effort, and capital in their operations, and their buildings, such as barns and silos, are vital components of a successful farm. Protecting these structures from unforeseen events is crucial, making property insurance an indispensable tool for farmers.   […]
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October 10, 2023
Agency

The Importance of Loss of Rental Income Coverage for Landlords

Being a landlord can be a rewarding investment, but it also comes with risks. Property damage or unforeseen circumstances can lead to a loss of rental income. In such situations, loss of rental income coverage becomes a crucial aspect of your insurance portfolio. What Is Loss of Rental Income Coverage? Loss of rental income coverage […]
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December 22, 2022
Agency

Does Your Business Need Media Liability Insurance?

Businesses operating in media and advertising are often tasked with producing a significant amount of content in a fast-paced environment. Given the large audiences and extensive exposure these companies’ products may garner, there are significant risks and vulnerabilities to account for. Fortunately, a media liability insurance policy can provide critical financial assistance and limit out-of-pocket […]
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November 21, 2022
Agency

Important Employee Benefits for Employee Retention

Employees are the key part to any business’ success through making and offering products to satisfying client needs. These days, the job market is extremely competitive, so it is crucial for employers to offer an employee benefits package that entices employees to stay.   Health, Dental and Vision  Health insurance is the primary draw for […]
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October 21, 2022
Agency

Will Home Insurance Cover Identity Theft?

Identity theft is a growing risk. Most people are at risk for some form of identity theft. Prevention is possible with careful attention. Yet, when it occurs, it can be very costly to any victim. According to a survey from Javelin Strategy & Research, there were $16 billion worth of identity theft incidents in 2016. […]
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September 29, 2022
Agency

5 Reasons You Need Umbrella Insurance

Uncertainty is everywhere. As a business owner, you face a treacherous, uphill battle on your path to success. Even with good intentions, you can expose your business to a multitude of business risks. How can you overcome and keep fighting the good fight? You should consider getting umbrella business insurance. Umbrella Insurance Is Your Secret […]
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August 16, 2022
Agency

Differences Between Term and Whole Life Insurance

When you’re considering the purchase of life insurance, one of the most important things to know is the difference between term life insurance and whole life insurance. This knowledge will help you determine the best coverage for your particular needs. Term Life Insurance   Term life insurance will protect you for a specific period of […]
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June 28, 2022
Agency

Should You Invest in Gap Insurance?

Making sure your auto insurance is just right for your vehicle and for your financial wellness is important. One of the steps you should take on a regular basis is ensuring you have the right type and amount of auto insurance in place. Do you need gap coverage? What can it offer to you and […]
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May 20, 2022
Agency

5 Ways to Save on Healthcare Costs

Even with the new healthcare law, it’s not always cheap to go to the doctor’s office. To help keep costs lower, try these simple, somewhat unorthodox ways of saving money when it comes to all aspects of your health.    Go to a walk-in clinic to see a nurse practitioner or physician assistant. You get […]
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