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It’s Summertime! Make sure your recreational vehicles, boats, and motorcycles are insured.

When warm weather arrives, you want to get out and enjoy it. Before you do, take a minute to make sure you have the right insurance coverage. You don't want an accident to damage your financial future because you weren't adequately covered. Your boats, motorcycles, and recreational vehicles may have sat around all winter, but that doesn't mean they can just head out onto the roads and waterways without being checked over and tuned up. Take care of any necessary repairs, and then get a check up on your insurance coverage, as well. It doesn't take long, and can provide you with a lot of peace of mind. With properly insured vehicles, you won't have to worry about the financial implications if something goes wrong. No one wants to have an accident and you shouldn't be expecting it, but if it does happen that's not the time to find out ... Read more

What exactly is P&I and what can it do for me?

Protection and indemnity insurance,or P&I, is a policy that covers maritime activities. It addresses cargo, crew, wreckage, spills, and other types of problems that might come into play out on open waters. If you have a large boat, a yacht, or a cargo ship of any kind, you'll want to consider a policy like this. With PNI insurance, you'll have the coverage you need if something should go wrong with the ship, and the crew and cargo will also be protected. That's very important when you're operating a vessel. If you aren't able to insure the cargo, it's unlikely that a person will want to contract with you to move goods from one port to another. The same can be said for crew members, as they might not want to work on a ship where they feel they won't be adequately protected if something should happen to them. Overall, it's ... Read more

Benefits of Working With An Independent Insurance Agency vs. A Captive

When you're looking for an insurance agent, consider one who is independent. He or she will be able to provide you with quotes from multiple companies, and that can help you get a great policy and save a lot of money. Independent insurance agents bring at least 80% of the business that's done by large insurance companies. They're also often very knowledgeable and up front about the policies and products they're offering. It's important to have an expert tell you what you really need to know when you're buying a policy, and an independent insurance agent can do just that. There's nothing inherently wrong with buying from a large company, but it's often a very impersonal experience. If you don't know the right questions to ask, you may end up with a policy that's not at all what you needed or wanted. You wouldn't realize that, and it's not your ... Read more

Is your auto insurance the right one for you and your family?

With summer coming around, you and your family might be doing extra driving. A lot of people take road trips, and with children out of school there can be more travel and activities. That's why you need a good, independent insurance agent to go over your policy with you. That can help you get the right auto insurance for your needs, and can protect you from serious financial harm in the future. The policy you have might have been perfect for you when you got it, but times have changed. As your family grows and develops, and as your activities and needs change, it's important to periodically assess and update your insurance policies. Your auto policy is no exception to this, and can be one of the most important insurance coverages you have. Since you probably use your car almost every day, you always want to have the peace of ... Read more

About Thomas Agers

Agers Insurance is an independent full-service insurance brokerage based in Oakley, California. Established in 1990, Agers Insurance specializes in personal lines of insurance including preferred auto, home, fire, dwelling, recreational vehicles, personal watercraft, ATVs and motorcycles. The agency also offers life insurance, commercial liability, flood and earthquake insurance and other types of non-standard insurance policies. Agers Insurance Services currently represents a wide variety of companies in Oakley and surrounding communities. Agers Insurance is owned and managed by Thomas Agers, a seasoned professional with over 33 years of experience in the insurance business. A graduate in History and Political Science from the University of Montana-Missoula, Tom is a veteran of both Vietnam and Desert Storm. He served four years on active duty and spent 22 years in the Naval Reserve before retiring from service in 1993 as Lieutenant Commander. Tom’s efforts during and after the Loma Prieta Earthquake in San Francisco ... Read more
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