Allegiance First Insurance Services

09/10/2026

STAY AWARE: This information was just sent to us by one of our insurance companies! If you currently have your home policy with the California Fair Plan, then you need to be ready to place your business with another carrier. We can quote you among many top carriers that are ready to write your policy. Don't wait and have to pay a major rate hike with CFP!
"You may have heard the CA Fair Plan has been approved to increase rates on nearly 663,000 CFP policyholders. The significance and impact will be widespread throughout California and create a major disruption in the insurance market." -RPS
[email protected], 951-268-7826

09/03/2026

🏠 Running a Business From Home? Don’t Assume Your Homeowners Insurance Has You Covered.

If customers, clients, employees, vendors, or delivery drivers are coming to your home because of YOUR HOME BASED BUSINESS, you may have a SIGNIFICANT insurance gap.

Consider what could happen:

❗ A client trips and is injured walking into your home.
❗ A customer’s property is damaged while you’re providing a service.
❗ Your business equipment, inventory, or supplies are stolen or damaged.
❗ A delivery person is injured while making a business-related delivery.
❗ An employee is injured while working for your business.
❗ A customer claims your product or service caused them damage or financial loss.

These are just a few examples of why home-based businesses need to look beyond their homeowners policy because most would deny these claims without a proper endorsement (if that carrier even offers one).

Your homeowners insurance is designed primarily for your personal risks—not the unique liability and property exposures created by operating a business.

If customers are walking through your front door, it’s time to make sure your insurance is walking with them. Let's discuss your business, your questions and your risks properly, 951-268-7826 or [email protected].

08/13/2026

As the cyclosporiasis cases increased, so did the lawsuits against Taco Bell and their third party lettuce vendor. Over 10,000 cases in 47 states were confirmed with another 12,000 cases suspected. From an insurance perspective, when a product allegedly causes illness, claims will extend beyond the retailers, restaurants and franchisees. If you are a business owner, a policy's Products Liability Insurance can help to respond to claims that affect your reputation, cover legal and financial implications and bodily injury claims. For those businesses in food service, if you also have Product Recall Insurance, the expense of removing the harmful food or substances from the shelves will also be covered. Having proper coverage for your business is paramount but also making sure you have strong contracts with your third party vendors is also important. In this case, the company that Taco Bell contracted with for the lettuce, depending on the contract language, can make the difference if Taco Bell takes most of the legal liability or if their insurer can subrogate to get some of the money paid out returned. It is important for restaurant businesses or franchisees and other food-service businesses to understand their coverage and the protection required of their suppliers. If you are in the food industry and would like a review of your policy's coverage, please email us at [email protected].

08/13/2026

California Fair Plan policy holders are in for a rude awakening. Rates have increased! But there is hope, other carriers have opened up their zip codes and many have started to reduce their homeowner rates from 10-18%! If you would like to have your policies requoted, or finally be able to repackage your auto and home together for maximum savings, please reach out to us. It only takes a few minutes to avoid and find out if you are overpaying on your policies, (951) 268-7826.

07/31/2026

🔥 Is your home truly ready for wildfire season? 🔥Temperatures are rising in California and it's time to make sure your property is ready for wildfire season.
As your insurance partner, your safety and financial security are our top priorities. Before wildfire risk increases, take these essential steps to protect your property and ensure your insurance coverage has your back.
📄 1. Review Your Insurance Policy/Check Dwelling Limits: Ensure your coverage matches today’s local construction costs, not just what your home was worth years ago.
📱 2. Create a 10-Minute Home Inventory. Film a Walkthrough: Walk through every room, closet, and garage with your smartphone camera to document your belongings. Catalog High-Value Items: Note the brand, model, and approximate value of major appliances, electronics, and jewelry.
🏡 3. Create Defensible Space. Clean the Roof: Clear out dead leaves, pine needles, and debris from roofs and gutters weekly during high-risk months. Maintain the 30-Foot Zone: Move firewood piles, dry brush, and flammable landscaping at least 30 feet away from your home. Block Flying Embers: Cover attic and crawl space vents with 1/8-inch non-corrosive metal mesh.
👇 Have questions about your current policy limits or need to update your coverage? Send us a DM or call our office today! 951-268-7826, Don't wait until smoke is on the horizon. Take an hour this weekend to safeguard your home and finances.

07/31/2026

One of my kids will be a high school senior this year and I know for many other parents who are aware of all the "Senior" traditions, this story below from one of our insurance carriers, about how one Senior was horribly injured may serve as a reminder of what "To Do" or "Not To Do."
"An Arizona teenager is suing the parents of a classmate after he allegedly suffered serious injuries while jumping from the roof of a home and attempting a front flip into a swimming pool during a senior skip-day party. According to AZFamily, the lawsuit claims that more than 100 teens attended the gathering, where underage drinking occurred, and that the homeowners knew the party was taking place.
The teen allegedly sustained a concussion and a torn ear after striking the pool deck during the jump. He is seeking damages for medical expenses, pain and suffering, emotional distress, and other losses, AZFamily reported.
“There are endless possible scenarios that could happen. If your 17-year-old high school senior wants to throw a party, you should have the mindset of, ‘What could possibly happen, knowing that as the homeowner I am responsible for what happens on my property?’” said Jacob Timmons, Senior Underwriter, Personal Insurance, Burns & Wilcox, Scottsdale, Arizona. “This story of the senior skip-day party just gets you thinking about what other possible exposures you might want to consider.”"
"Homeowners Insurance can respond to third-party bodily injury claims arising from backyard parties, while Personal Umbrella Insurance can provide an additional layer of liability coverage."
-If you have not reviewed your homeowners policy or liability limits, and have questions on the appropriate amount of coverage, we are here to help. [email protected], 951-268-7826.

07/30/2026

If you work from home, have foot traffic, store any goods at your house, your homeowner liability may not cover you. Don't wait to find out the hard way, let's have that discussion today to make sure YOU and everything you do, are COVERED and won't be denied when you need to file a claim. Personal Liability or a Personal Umbrella is a must in California. [email protected]

07/30/2026

Car rates too high? Do you want to get a new car, worried to add that new driver, want to get the most discounts possible? Let us quote your policy and give you some peace of mind to find the best options among all of our top carriers. Here is the link to enter your auto details to get started with a carrier who's rates are finally going down! https://www.mercuryinsurance.com/common/index.html?state=CA&src=mercury&agentcode=04Y190&lob=auto

07/29/2026

California insurance rates have changed significantly over the past several months. Many companies that weren't writing policies are back, and rates are becoming much more competitive.

If you haven't compared your insurance in the last 12 months, you could be paying more than necessary.

Click below for a quick quote and see what options are available.

07/23/2026

Enter Our Weekly Raffle and save big!

RAFFLE TIME! Be entered into our weekly raffle to win a gift card to Amazon, Target or Starbucks when you text us your Auto Insurance Declaration page! You may not only win the gift card but save hundreds to thousands like many of our current clients! Business Text line-(951) 461-5122 or you can go to this link to submit your information: https://www.mercuryinsurance.com/common/index.html?state=CA&src=mercury&agentcode=04Y190&lob=auto