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Ken May Insurance Services We represent multiple companies and can offer a variety of coverage options to our clients.
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🚩 Red flag warnings are becoming more frequent as we move deeper into fall fire season. Here's a quick refresher on what...
10/16/2026

🚩 Red flag warnings are becoming more frequent as we move deeper into fall fire season. Here's a quick refresher on what to do when one's issued for our area:

📱 Charge your phone and keep it charged
🚗 Keep your vehicle fueled and parked facing out, ready to go
🎒 Have your go-bag and important documents within reach
🏠 Close windows and vents to keep embers and smoke out if a fire starts nearby
👀 Check local fire and emergency accounts for real-time updates

Red flag days don't always mean evacuation — but they mean it's worth being ready just in case.

📞 760-893-8055 | 🌐 www.kenmayinsurance.com

⭐ "All in less than 2 hours."One client submitted a policy change request through the carrier's online portal — and had ...
10/15/2026

⭐ "All in less than 2 hours."

One client submitted a policy change request through the carrier's online portal — and had a callback from Kim working on it before the afternoon was over.

Fast service isn't an accident. It's what happens when your agent is actually paying attention.

📞 760-893-8055 | 🌐 www.kenmayinsurance.com

🏘️ If you own a rental property in California, a standard homeowners policy won't cut it — you need landlord (dwelling f...
10/14/2026

🏘️ If you own a rental property in California, a standard homeowners policy won't cut it — you need landlord (dwelling fire) coverage.

Here's what that typically includes:
🏠 Coverage for the structure itself
💰 Loss of rental income if the property becomes uninhabitable after a covered loss
⚖️ Liability protection if a tenant or guest is injured on the property

It does NOT typically cover your tenant's personal belongings — that's what renters insurance is for on their end.

If you've recently turned a home into a rental (or are thinking about it), let's make sure your coverage actually matches what you're doing with the property.

📞 760-893-8055 | 🌐 www.kenmayinsurance.com

🏡 Own a mobile or manufactured home in California? Your coverage needs look a little different than a traditional homeow...
10/13/2026

🏡 Own a mobile or manufactured home in California? Your coverage needs look a little different than a traditional homeowners policy.

A few things worth knowing:
📋 Manufactured home policies typically cover the structure, personal property, and liability — similar to homeowners insurance, but underwritten differently
🏘️ If you're in a mobile home park, check whether the park's insurance covers common areas only, or your unit is on you
🌬️ Wind and anchor/tie-down requirements can affect your coverage and premium
💰 Replacement cost vs. actual cash value matters even more here, since manufactured homes can depreciate differently than site-built homes

If you're not sure what your current policy actually covers, we're happy to take a look.

📞 760-893-8055 | 🌐 www.kenmayinsurance.com

☔ With a historically strong El Niño winter forecast for Southern California, this is worth repeating: standard homeowne...
10/12/2026

☔ With a historically strong El Niño winter forecast for Southern California, this is worth repeating: standard homeowners insurance does NOT cover flood damage.

A few key facts about flood coverage:
🏠 Flood insurance is a separate policy, typically through the National Flood Insurance Program (NFIP) or a private flood carrier
⏳ NFIP policies have a standard 30-day waiting period before coverage takes effect — so buying it the week a storm is forecast is usually too late
📍 You don't have to live in a designated flood zone to be at risk — a large share of flood claims come from outside high-risk zones
💧 Even a few inches of water can cause tens of thousands of dollars in damage

With a wetter-than-normal winter on the way, now is the time to ask about flood coverage — not in January.

📞 760-893-8055 | 🌐 www.kenmayinsurance.com

🏗️ Quick question: if your home burned down tomorrow, would your current dwelling coverage actually be enough to rebuild...
10/09/2026

🏗️ Quick question: if your home burned down tomorrow, would your current dwelling coverage actually be enough to rebuild it?

Southern California construction costs have climbed significantly in recent years, and a lot of policies haven't kept pace. A few things that affect your real rebuild cost:

📐 Square footage and number of stories
🧱 Materials and finishes (custom vs. standard)
👷 Local labor costs, which vary a lot by area
📋 Code-upgrade requirements if your home was built years ago

We're happy to run a quick rebuild-cost estimate for your home — it takes just a few minutes and could save you from a painful surprise later.

📞 760-893-8055 | 🌐 www.kenmayinsurance.com

⭐ "They were excellent and came out that evening."After a bad rainstorm, one client discovered water damage in their hom...
10/08/2026

⭐ "They were excellent and came out that evening."

After a bad rainstorm, one client discovered water damage in their home. A call to Kim got things moving immediately — a referral to a cleanup crew that showed up the same evening, and a claims process that stayed smooth from there.

In her words: "All my contacts through my Mercury Claims Adjuster have been thorough, professional and timely."

When the rain does damage, having someone to call first makes all the difference.

📞 760-893-8055 | 🌐 www.kenmayinsurance.com

🔒 October is Cybersecurity Awareness Month — and identity theft is one of the fastest-growing risks most homeowners don'...
10/07/2026

🔒 October is Cybersecurity Awareness Month — and identity theft is one of the fastest-growing risks most homeowners don't think to insure against.

Here's what a lot of people don't realize:
💳 Identity theft recovery can cost hundreds of hours and real money — legal fees, lost wages, and more
📋 Many homeowners and umbrella policies offer identity theft coverage as an add-on, often for a modest premium
🕵️ Coverage can include reimbursement for stolen funds, legal costs, and even lost wages while you sort it out

If you've never asked whether your policy includes this protection, it's worth a two-minute phone call to find out.

📞 760-893-8055 | 🌐 www.kenmayinsurance.com

🚪 Day two of Fire Prevention Week: does your household actually have an escape plan?It sounds basic, but most families h...
10/06/2026

🚪 Day two of Fire Prevention Week: does your household actually have an escape plan?

It sounds basic, but most families have never practiced one. Here's how to fix that this week:

🗺️ Draw a simple floor plan and mark two exits from every room
📍 Pick a meeting spot outside — a mailbox, a neighbor's driveway, anywhere everyone knows to go
⏱️ Practice it once, even just walking through it slowly
🧯 Make sure everyone in the house knows where fire extinguishers are and how to use them

Two minutes of planning now can matter more than anything else you do this week.

📞 760-893-8055 | 🌐 www.kenmayinsurance.com

🔥 It's officially Fire Prevention Week! Whether the risk is wildfire or a kitchen accident, here's a quick home fire saf...
10/05/2026

🔥 It's officially Fire Prevention Week! Whether the risk is wildfire or a kitchen accident, here's a quick home fire safety checklist for California homeowners:

🧯 Keep a fire extinguisher in the kitchen and garage
🌿 Maintain defensible space — clear vegetation within 5 feet of your home's foundation
🔌 Check for frayed wires or overloaded outlets
🕯️ Never leave candles or space heaters unattended
🚪 Make sure every bedroom has two ways out

Fire safety isn't just for wildfire-prone hillsides — it matters for every home in Carlsbad and North County.

📞 760-893-8055 | 🌐 www.kenmayinsurance.com

Address

3146 Tiger Run Court, Ste 114
Carlsbad, CA
92010

Opening Hours

Monday 8:30am - 5:30pm
Tuesday 8:30am - 5:30pm
Wednesday 8:30am - 5:30pm
Thursday 8:30am - 5:30pm
Friday 8:30am - 5:30pm

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