Torres Insurance Group

The Insurance Industry has changed. Follow these tips to continue enjoying favorable pricing and insurance continuity.

1. Pay your insurance on time avoid a bad payment history and or cancellations. Companies are cancelling folks for a poor payment history.
2. Verify coverages by requesting a declarations page. Make sure that you have what you requested when you purchased your contract. Once you are in a claim you will not be able to "fix" issues.
3. Apply for electronic payments and electronic delivery of documents this will save you time and money.
4. Buy multiple policies with same company. Auto, home or rental coverage, umbrella coverage, jewelry, pet insurance, and toy policies (motorcycle policies) Companies offer bigger discounts for your loyalty.
5. Find out what the sweet spot is for your particular company most times you get "better" coverage for less.
6. Go to an agent that can offer you multiple company options all pricing is competitive.

Why us. 15 Auto carriers, 20+ Home carriers, over 30 years experience.

11 Reasons You Need Umbrella Insurance Right Now

An umbrella insurance policy can protect your assets and future earnings from expensive lawsuits.

An umbrella insurance policy can protect your assets and future earnings from expensive lawsuits. This type of policy increases the liability limits beyond the coverage offered by your auto and homeowners insurance policies. “Catastrophic financial loss could occur in seconds,” says Ana Robic, chief operating officer of Chubb Personal Risk Services. The cost of a lawsuit, medical expenses and legal fees can devastate your savings, but you can buy an umbrella policy that can provide millions of dollars of coverage for hundreds of dollars in premiums.

You can usually add $1 million of extra coverage for about $150 to $350 per year, and each additional $1 million of coverage costs $75 to $150. (You generally need to have at least $300,000 in liability coverage from your home insurance, and $250,000 per person and $500,000 per accident of bodily injury coverage from your car insurance first.)

Check with your insurer and agent about what your home or auto insurance policy will cover and gaps you need to fill. An umbrella policy may be particularly valuable if you have the following risks.

1. Teenage Driver
2. You don't choose words Wisely
3. You host many Parties
4. You have a swimming pool
5. You have a Trampoline
6. You sit on a Non Profit board
7. You coach a Youth Sports Team
8. You have a long commute.
9. Your Dog has a bad day
10. You have a second home
11. You hire domenstic help

We will provide more details in the coming days