Hayes Company Insurance Brokers

09/25/2025

09/25/2025

Many Homeowners are asking themselves, "Do I need earthquake insurance in California?" California experiences the most earthquakes in the United States and has the highest amount of property damage due to earthquakes. In fact, an earthquake strikes in California every three minutes. While the majority of these quakes cause little or no damage, it only takes one large quake to cause catastrophic loss to your home and neighborhood. Additionally, the closer your home is to a fault, the higher your risk. Given that there are more than 500 known active faults in California, it is clear that most people in California live near an active fault. Coverage helps repair damages, replace belongings, pay you for your Loss of Use, and rebuild when needed. With a reliable policy in place, you can focus on recovery, knowing you have financial security and peace of mind.

For Californians, earthquake insurance is a critical but often overlooked safeguard because standard homeowners’ policies do not cover earthquake damage. With over 15,000 known faults, including the San Andreas, the state has a greater than 99% chance of experiencing one or more magnitude 6.7 or higher earthquakes within the next 30 years. Without a separate earthquake policy, homeowners are left to pay for devastating structural damage and personal property loss out-of-pocket, which can lead to severe financial hardship. This coverage can also provide “loss of use” funds for temporary living expenses if a house is deemed uninhabitable, helping to cover costs like hotel stays and rent while a home is being repaired. Investing in earthquake insurance provides peace of mind and protection for one of life’s largest investments against an inevitable, unpredictable threat.

We have affordable options for every Home or Condo Owner and Renter. Contact us today to get a quote on a policy.

06/05/2025

Happy 85th Birthday to our founder and my father, Jerry Hayes Sr. Thank you for your hard work to make Hayes Company what it is today!

07/20/2023

If you drive, one of the most important things that you should always have is auto insurance. Because of the uncertainty that comes with driving, each time you go out without appropriate coverage, you are taking a big financial risk that can see you out tens or even hundreds of thousands of dollars.

07/18/2023

Did you know that catastrophes are the biggest concern of real estate managers? As such, many of them invest in property insurance to help mitigate the risks and the dangers that a commercial property might be exposed to.

07/15/2023

An umbrella policy is not just additional coverage for one insurance policy: it’s additional coverage for all of your policies, which is where it gets its name. If a claim goes over the limits on any of them, the umbrella policy will step in and take over.

07/13/2023

There was a brief period when auto insurance premiums were priced evenly. Things changed when auto insurance companies began assessing risks. This resulted in much lower premiums for good drivers.

07/11/2023

If you are not the owner of the property, you are not required to buy the building’s insurance. To check if this coverage is in place, talk to the building’s proprietor or your landlord. As a tenant, you can buy contents insurance.

07/08/2023

Deductibles are included in all car insurance policies. A deductible set at a high amount will mean a lower cost for the insurance policy. An insurance expert can explain the pros and cons and a high or low deductible.

07/06/2023

Have you ever driven without insurance? It could cost you the next time you purchase car insurance. People who haven’t been insured for a number of years can pay higher premiums.

07/04/2023

Happy Independence Day! America's 247th Birthday!

07/04/2023

According to a recent study by the National Association of Insurance Commissioners, the average homeowner's insurance premiums increased by 3.3% in 2014, after a 6% rise in 2013.