Pfaff Services

06/17/2026

In my 20-year career, I cannot count the times people have declined incredibly affordable life insurance because they "have insurance through work."

No! You only have group life insurance as long as you work for that employer, and often, it is only accidental death and dismemberment, which you are statistically far less likely to die from and that is why it is dirt cheap.

I offer life insurance, long-term care, accident, cancer, short and long-term disability, and everything except Medicare.

Don't put it off, call Pfaff.

[email protected]
916-633-2221 x115
LIC

06/17/2026

Yesssss!

When I was younger, I thought being rich meant the obvious stuff.

Bigger house, nicer car, better vacations, and enough money to never feel behind.

Then I spent two decades sitting across from families who looked wealthy on paper but were stressed out, maxed out, and one bad month away from panic.

That’ll change how you define rich real fast.

I’ve also met families who didn’t have flashy lives, but they had breathing room.

They had peace.

They had options.

They weren’t trying to impress strangers at a stoplight or keep up with people they didn’t even like.

That’s the version of wealth I care about now.

I want the kind of money that lets me be present with Mandy and the kids.

I want the kind of money that lets me help people I love without having to check the account balance first.

I want the kind of money that lets me say no to things that don’t fit the life I’m trying to build.

The goal isn’t owning more stuff.

The goal is owning more of your time, your choices, and your peace.

06/16/2026

There is nothing better than a great client who takes time out of their day to post a five-star review.

"If you're shopping for homeowners' insurance, do yourself a favor and call Aimee Pfaff at TrueSummit Insurance Solutions.

During the recent process of buying a new home, I contacted several insurance companies and agencies. The experience was frustrating. Most wanted endless information, asked what felt like a hundred questions, and after jumping through all the hoops, the quotes came back surprisingly expensive.

Working with Aimee was a completely different experience. She made the process simple, straightforward, and stress-free. She gathered only the information she needed, communicated clearly, and quickly provided a quote that was less than half of what some of the larger insurance companies were offering.

What impressed me most was how easy she made everything. No pressure, no confusion, and no wasted time—just excellent service and a great result.

If you're looking for someone knowledgeable, responsive, and genuinely focused on helping you find the right coverage at a competitive price, I highly recommend Aimee Pfaff and TrueSummit Insurance Solutions. She saved me a substantial amount of money and made what is usually a frustrating process remarkably easy."

Insurance without the sales pitch.

Don't put it off, call Pfaff.

[email protected]
916-633-2221 x115
LIC

06/12/2026

Kids these days...

Yes, you can have your adult child on your car insurance, as there is no age limit for keeping a child on a policy. However, it generally requires that they live in your household and that the vehicle they drive is registered and titled under your name.

Key Rules to Consider:

The Residency Rule: Most insurance providers require all licensed drivers living in your household to be listed on your policy, even if they only drive occasionally.

Vehicles and Ownership: If your adult child owns their car and the title is in their name, many insurance companies will require them to get their own separate auto policy. A parent typically cannot insure a car they don't own.

Financial Liability: If you keep an adult child on your policy, you remain legally and financially responsible for liability claims if they get into an accident in your vehicle.

Because state laws and company policies dictate how adult children are handled—especially when there are different garaging addresses—it is always best to review situations and changes with your agent.

Agent assistance is always free, and I am happy to be a resource for all your insurance needs.

Don't put it off, call Pfaff.

[email protected]
916-633-2221 x115
LIC

TruSummit Insurance Solutions

06/05/2026

Don't demo before you know.

I know it's hard to buy that new home and have to wait for the completed inspection during the insurance "probationary period" before making it your own, but it is important to discuss renovation plans with your agent before obtaining coverage or starting any projects after your policy is bound.

Starting a remodel before your insurance inspection can void your coverage, and if a disaster strikes, such as a fire or water damage, your insurance company may deny the claim.

The inspection establishes your home's baseline value and identifies pre-existing issues before construction alters the property's risk profile.

Remodeling before the inspection causes several major issues:

Uninsurable Work: Standard homeowners policies often do not protect ongoing, uncompleted construction work if the space is deemed uninhabitable.

Disputed Pre-Existing Damage: If your home sustains damage during the remodel, it becomes nearly impossible to prove whether it was caused by the renovation or a pre-existing flaw.

Inaccurate Replacement Value: Renovations drastically increase your home's replacement cost. If you remodel before finalizing your policy's limits, you risk being severely underinsured if disaster strikes.

One of the best things about working with an independent agent is important conversations like these.

Don't put it off, call Pfaff.

[email protected]
916-633-2221 x115
LIC
TruSummit Insurance Solutions

06/01/2026

I don't sell Medicare, but I regularly encounter people who have no idea how it works, and I wanted to share.

https://www.aarp.org/medicare/common-medicare-mistakes/

[email protected]
916-633-2221 x115
LIC

Learn how to navigate Medicare’s enrollment periods and avoid costly mistakes that could lead to lifelong penalties.

05/30/2026

Today’s housing market is nothing like 2021 when things were really aggressive. There were literally twice as many sales going above the original price back then. One thing we are going to start seeing in the stats in coming months is a more competitive market today. Remember, we are going to be comparing today with a really dull market last year.

05/20/2026

Carriers are finally starting to catch up on short-term rentals, and hopefully, ADU's will be next.

Looking forward to being able to write vacation rentals, including Airbnb and Vrbo, with new short-term rental coverage available through one of our non-admitted carriers in CA.

Eligibility includes:
• Year-round short-term rentals.
• Single and multi-family dwellings.
• Other structures on residence premises rented for dwelling purposes only.
• Full-time students and more than two unrelated tenants per unit for short-term rental use.
Any residence rented or held for rental for more than two weeks on an annual basis is considered a rental property, for rating and underwriting purposes.

Features:
• Aggregate bed bug coverage.
• Lock replacement coverage.
• Earthquake coverage.
• Extended coverage options, including personal liability.

[email protected]
916-633-2221 x115
LIC
TruSummit Insurance Solutions