How much life insurance do I need

Life insurance is a way to provide a safety net for the people who love and depend on you. It can make all the difference in what will already be a challenging time. You might even say this is your final gift to your loved ones. How much life insurance you need is something very individual, and having an insurance agent you know, and trust helps. When you are looking for an independent insurance agent, you can trust our team at Manteca Insurance & Financial Services in Central Valley, CA is here for you. 

When determining how much life insurance you need, many things factor in. Age, marital status, dependents, and financial situation. Life is risky, and you need to consider your risk level.  

Age

The fact is, life insurance is less expensive when you are young and healthy. You may get life insurance through your employer. If you have no dependent or financial responsibilities such as a mortgage, this may be adequate. But if you have trouble saving, a whole life policy purchased at this age makes sense. 

Marital status

If you are married, you have more than just yourself to consider. You need to assess your spouse’s situation if you were no longer there with your paycheck. Would they be able to maintain their current lifestyle?  

Dependents

If you have children or dependent relatives, you have something else to consider. How many years would they need to be maintained?  How much of their maintenance would life insurance have to provide? 

Financial situation

If even your final expenses would be impossible for those you leave behind to pay, you need to have enough life insurance to make sure this is covered. 

At Manteca Insurance & Financial Services in Central Valley, CA, we want to sit down with you to determine how much life insurance you need and can afford. Contact us to set up an appointment. 

3 Tips for Buying Auto Insurance in California

Before you drive your first car in Central Valley, CA, you need auto insurance. Chances are, if you’re reading this, this is the first auto insurance policy you’re purchasing. If so, you are probably wondering whether you can afford it and even where to start. Don’t worry. The reputable agents at Manteca Insurance & Financial Services have put together three easy tips for you to follow. Read on to learn more.

1. Compare Several Quotes

Choosing an auto insurance policy after viewing just one is not recommended. Instead, you’ll want to use a reputable agent to help you compare at least three quotes. You’ll be looking at the different coverage options in your budget. This is a great time to ask all the questions you have before making a final decision.

2. Bundle Your Policies

Do you have other insurance policies, such as renters, homeowners, or life? If so, your reputable agent can quickly help you bundle those policies under one insurance carrier for maximum savings on your premium. 

3. Work with a Reputable Agent

Lastly, we recommend working with a reputable insurance agent to ensure these tips are put to good use. Our agents serving the Central Valley CA area are standing by to take your call and work with you through the auto insurance buying process one step at a time. He or she will ask you a few questions, such as your budget, model of your car, cost, and so on, to find the best quotes for you to compare and bundle. 

Are you ready to purchase your first auto insurance policy? Do you need to renew one or make a switch? Call Manteca Insurance & Financial Services group to speak with a friendly, reputable agent to get started.

What is a business owners policy

As a business owner, you know what it takes to run a successful business. You have given your blood, sweat, and tears to make your business run smoothly, and you want to make sure your business continues to thrive for years to come. You probably already know all the things that can go wrong and hurt your bottom line, but with a good commercial insurance policy, you can protect your business from at least some of them. For some businesses, a business owner’s policy is the right approach. At Manteca Insurance & Financial Services in Central Valley, CA, we have been working hard for our customers for almost 80 years. 

A Business Owners Policy (BOP) is usually targeted to small to medium-sized businesses. It combines several key components of commercial insurance into one package, and the premium is usually less expensive than if all the components were purchased separately. The parts of a Business Owners Policy are:

  • Commercial liability coverage
  • Property Insurance
  • Business interruption insurance

Commercial liability insurance protects your business from legal actions that may be taken against you. It can be the results of things that you or your employees do or things they don’t do. It can also be if someone is injured while visiting your business or by one of your products. Professional services are not covered. 

Property Insurance can be issued as a named peril policy or all-risk coverage. This is something to discuss with your insurance professional. It will cover the building, the property, the office equipment, machinery, inventory, and related business items owned by the company. 

Business interruption insurance covers the lost income when a business suffers a covered loss that means that business can not continue as usual. 

Business Owners Insurance can be a great choice for your business, and you can add additional components to the policy as needed. At Manteca Insurance & Financial Services in Central Valley, CA, we can help you get reliable BOP for your business. Give us a call to make an appointment for a free quote.

Getting your home ready for Fall

Your home may be your castle, but castles come with a lot of work. As the warm weather starts to fade and the days get shorter and the nights’ crisper, it is time to do all the chores required to get your home ready for Fall. At Manteca Insurance & Financial Services in Central Valley, CA, we understand all the challenges of homeownership. We want to make having excellent home insurance as painless as possible. As independent agents, we owe our loyalty to our customers, and we offer more carriers and options than captive agents. 

Get your chimney cleaned.

Fireplaces and wood-burning stoves are both romantic and economical. They are very popular ways to add interest to your home. They can also be very dangerous if your chimney is not clean. A dirty chimney leads to chimney fires, and the resulting damage can be devastating. 

Clean out the gutters

Gutters get clogged with leaves and debris. Water backs up and causes damage to your roof and may leak into your home, causing damage to ceilings and walls. 

Get your furnace cleaned and tuned.

If you live in a cold climate, you count on your furnace to keep you warm, and a tuned and cleaned furnace is more efficient that one that doesn’t work at its best. 

Seal cracks around doors and windows

Heating a home during the winter can be expenses. You don’t want to lose your heat out of cracks around doors and windows. A little caulk goes a long way to saving you some money. 

Prune your bushes and trees

Fall is an excellent time to prune your trees and bushes. Ensuring that trees and bushes don’t suffer from broken branches caused by winter snow and ice helps protect your plants and your house. 

Having adequate home insurance is part of overall home care. In Central Valley, CA,  Manteca Insurance & Financial Services is the company to call. We are here to help no matter what your insurance needs. Give us a call or stop by our office for a free quote.