Consumers often times are unaware that there are two different types of insurance agents.  Believe it or not, but the type of agent you choose can have a large impact on your wallet.  It may be advantageous for you to ask your agent if they are independent or captive.
Independent agents are just what the word [...]

More

Purchasing a vehicle can be a tedious process.  There seem to be hundreds of variations in trim packages and optional upgrades to choose from, which can make the car buying experience difficult and sometimes overwhelming.  Typically, consumers will automatically assume that their optional upgrades will be covered on their standard insurance policy.  Dealerships (not factories) [...]

More

We are so fortunate to live in sunny San Diego!  Even in December the weather is usually mild enough that we can venture out and catch some great traditional things to do.  Here are some top holiday picks:
See Neighborhood Christmas Lights– Several neighborhoods around town put on annual displays and even hold competitions.  Christmas Circle [...]

More

This month the employees at Hatter, Williams & Purdy teamed up with Outreach for Humanity and made a contribution to Operation America Cares. 
Operation America Cares is a nonprofit that ships care packages to our soldiers in Afghanistan.  In conjunction with other donors we are hoping to be able to exceed our Operation’s 2010 efforts which shipped 150 [...]

More

Long-term care (LTC) refers to a variety of services designed to help people perform the func­tions of daily living, to ensure they remain as independent as possible.
People with illnesses that require long-term care services often need assistance with daily activities on an ongoing basis. This may include shopping, transportation, and housekeeping as well as the [...]

More

Halloween is just around the corner.  It is an exciting time of the year for both children and adults.  It is also a good time to remind everyone of the precautions that should be taken during this time.  Here are a few safety tips to keep in mind:
1)      Children should always be accompanied by an [...]

More

If your plans include renting a cabin or vacation home this winter to spend time with your family and friends, what would happen if you damage the rental property?  Your homeowner’s or renter’s policy’s comprehensive personal liability coverage would extend to that location up to your policy limits, for what you are found legally liable [...]

More

When the lights went out, most San Diegans quickly learned that they weren’t necessarily prepared for a power outage.  Although it was short lived, another occurrence is always a likely possibility.  Hopefully by now you have a plan of action in place along with an assortment of emergency supplies. 
One of the most common shockers during [...]

More

Have you reviewed your automobile coverage’s with your agent lately and do you understand the coverage’s provided?  Bodily Injury liability insurance is required for every registered vehicle in California and you can add optional coverage’s to your policy. Here are a few key terms to understand:

Bodily Injury Liability protects you from legal claims by others [...]

More

Due to the depressed real estate market, more and more people are taking advantage of the great deals on foreclosed properties.  Often times, these homes are in great need of repair and cannot be rented or re-sold right away.   These homes are usually difficult to get insured through standard Landlord Fire policies as they are [...]

More