Colston Insurance Agency

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Colston Insurance Agency Home/Auto
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Commercial/WC
Life
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We cover yourself, your family, and your business by using a comprehensive approach to assure your investment in your future is on track as your trusted insurance advisor.

Most homeowners or drivers have some form of homeowners and auto insurance; however, their coverage might not be enough ...
10/13/2026

Most homeowners or drivers have some form of homeowners and auto insurance; however, their coverage might not be enough to protect them in the event of a major claim.

When a serious accident or unexpected lawsuit exceeds what your existing policies can cover, the gap between what you owe and what your insurance pays becomes very real, very fast. That’s where umbrella liability coverage comes in.

Umbrella liability insurance covers costs that would otherwise come straight out of your pocket. With relatively low annual costs, this comprehensive coverage can be one of the most affordable ways to fully protect what you love.

So, if you’re curious about whether umbrella insurance makes sense for your situation, please don’t hesitate to reach out to our team. We are here to help you run the numbers and see what makes sense.

October is Fire Prevention Month, serving as a good reminder that fire safety is not something to put off until an emerg...
10/08/2026

October is Fire Prevention Month, serving as a good reminder that fire safety is not something to put off until an emergency happens. In the United States, one home structure fire is reported every 96 seconds, serving as a sobering reminder of the importance of fire safety.

So, that said, our team wanted to share a few practical tips worth reviewing this season:

⚫ Know the leading causes - Cooking and heating are the two leading causes of home fires in the United States. Never leave cooking unattended, keep flammable materials at least three feet from heat sources, and check electrical cords regularly for damage or fraying.

⚫ Check your smoke alarms - Test them monthly, replace batteries annually, and fully replace any alarm that is 10 or more years old.

⚫ Have an escape plan and practice it - Plan two ways to escape from every room, make sure all windows and doors open easily, and designate an outdoor meeting place.

⚫ Know how to use a fire extinguisher - Remember the acronym PASS: Pull the pin, Aim low at the base of the fire, Squeeze the handle slowly, and Sweep the nozzle side to side. If you are not confident, get out and call 911.

⚫ Build safer daily habits - Never leave portable heaters or fireplaces unattended, keep matches and lighters locked away from children, avoid overloading outlets, and turn off all appliances before leaving the house or going to bed.

Fire prevention is a shared responsibility, and a little preparation goes a long way. If you have further questions about fire safety, we encourage you to reach out to your local fire station.

And if you have any insurance questions or needs, please don’t hesitate to reach out to our team. We are here to help you.

Cyber threats are not just a concern for large corporations. In fact, small- and mid-sized businesses often face increas...
10/06/2026

Cyber threats are not just a concern for large corporations. In fact, small- and mid-sized businesses often face increased risk. This Cybersecurity Awareness Month, we are sharing a reminder of a few practical ways to strengthen your cyber defenses.

Of course, even with strong prevention measures in place, a cyber incident can still happen, and the cost of recovery can add up quickly. Having the right cyber liability coverage can help your business respond more effectively.

Have questions about cyber insurance or want to review your current coverage? Reach out to our team today.

Theft prevention is top of mind for many homeowners. Not only can it be deeply unsettling for your space to be invaded, ...
09/24/2026

Theft prevention is top of mind for many homeowners. Not only can it be deeply unsettling for your space to be invaded, but burglary can also represent significant financial losses for homeowners.

The good news is that a few simple prevention tips can go a long way toward protecting your home. Swipe for more.

While these tips can help deter burglars, they cannot fully prevent theft or mitigate the effects of a home invasion. That’s why it can also be crucial to ensure your homeowners insurance not only includes theft coverage, but that the coverage fully protects your home and belongings.

That said, if you have questions about your homeowners coverage and how it can help protect you in the event of theft, don’t hesitate to reach out to our team. We are here to help you.

Can you believe there are only 100 days left in the year? Before the final stretch gets away from you, it is worth pausi...
09/22/2026

Can you believe there are only 100 days left in the year? Before the final stretch gets away from you, it is worth pausing to ask one simple question: has your life changed this year?

A new car, a home purchase, a career change — these are the kinds of milestones worth celebrating. They are also the kinds of changes that can quietly create gaps in your insurance coverage if your policies have not kept up.

Here are some of the most common life events that can affect your coverage:

✅ You bought a new home or renovated your home. A new home purchase or extensive renovations require coverage that reflects the property's true replacement cost, not just its market value.

✅ You purchased a new car. Purchasing a new car is a change that always merits a check-in about your insurance coverage, especially if you purchased a car worth more than the vehicle you were previously driving.

✅ Your family or household situation changed. Marriage, divorce, welcoming a new child, adding a teen driver, sending a child off to college, or welcoming an adult child back home are all changes that can affect your auto and homeowners coverage.

✅ You’ve acquired new valuables or heirlooms. If you’ve recently obtained or inherited new jewelry, art, or other collectibles, it may be worth reviewing whether these items would be fully covered under your current homeowners policy.

✅ Your income, assets, or career changed. A promotion, a new job, a side business, or an inheritance can all increase your financial exposure in ways your current coverage may not reflect.

If any of these sound familiar, our team would love to take a few minutes to review your policies together and ensure everything still aligns with where you are now. It's a simple conversation that can make a real difference.

Feel free to reach out anytime. We are here to help ensure your coverage keeps up with your needs.

Thinking about no-exam life insurance? You’re not alone. More people are exploring this type of policy because of the sp...
09/15/2026

Thinking about no-exam life insurance? You’re not alone. More people are exploring this type of policy because of the speed and convenience they offer. However, there are still important details to understand before choosing this coverage. Swipe to learn more.

If you’d like help comparing your options or understanding which type of policy may work best for your needs, contact us today. We’d be happy to help you explore your coverage options.

Ransomware attacks are on the rise, and companies of all sizes and sectors are feeling the impact. As these attacks cont...
09/08/2026

Ransomware attacks are on the rise, and companies of all sizes and sectors are feeling the impact. As these attacks continue to pose a serious threat to businesses, focusing on proactive, preventive measures can become more crucial.

Swipe through for details on the rise of ransomware attacks and actionable steps you and your team can take today.

While establishing key safety strategies like these can play a meaningful role in your recovery strategy, they cannot prevent attacks outright. That’s where commercial cyber insurance can step in. If your business is the victim of a ransomware attack, commercial cyber insurance can help your company navigate the aftermath with confidence.

If you'd like to talk through your current coverage or explore your options, our team would be happy to connect. Give me a call or reply to this email, and we can get started.

Back-to-school season presents a good opportunity to ensure your kids are equipped with the habits and knowledge to stay...
09/08/2026

Back-to-school season presents a good opportunity to ensure your kids are equipped with the habits and knowledge to stay safe throughout the school day. Here are some helpful tips to keep in mind:

🔵Make sure your children know their full names, your phone number, home addresses, and how to reach a trusted adult. A laminated safety card kept in their backpack with this info, plus any medical conditions, can be a good addition.

🔵Teach and reinforce proper hand-washing, and remind them not to share food or drink. These simple habits go a long way toward keeping illnesses from spreading through the classroom.

🔵A backpack should weigh no more than 15% of your child's body weight, and both straps should always be used to evenly distribute the load on your child’s back. An overstuffed bag can cause real strain over time.

🔵Talk with your child about bullying — how to recognize it, how to report it, and who their designated trusted adult at school is if they ever feel unsafe or need help.

🔵 Avoid putting your child's first name on the outside of backpacks or lunch boxes; initials or names on the inside are a safer option for labeling belongings.

At-school safety is a collective effort, and taking precautions for your students can help keep students across your community safe.

As always, if you have questions or other needs this school year, give us a call. We are here for you.

Labor Day is all about celebrating the workforce, and the best way to honor hard work is to take a real break from it. S...
09/07/2026

Labor Day is all about celebrating the workforce, and the best way to honor hard work is to take a real break from it. So to celebrate, our team is fully committing to the cause by penciling some cat naps into our schedules this weekend.

A quick heads-up: The office is closed on Monday, September 7th. We will be back on Tuesday, September 8th — recharged, refreshed, and ready to get to work.

We hope you have a long weekend full of good food, good company, and zero emails!

If you have ever wondered what would actually happen to your payout after a covered loss, the answer often comes down to...
08/18/2026

If you have ever wondered what would actually happen to your payout after a covered loss, the answer often comes down to one question: Does your policy use replacement cost value or actual cash value?

These two coverage types work very differently, and understanding them can save you from a costly surprise when you file a claim. Swipe through for a clear breakdown of each.

Have questions about your current coverage or which option is right for you? Give us a call today.

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San Diego, CA

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Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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+16194522660

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