Homeowners Insurance State Employee

Homeowner protection -- and responsibility to increase in the New Year

Homeowners who hire contractors to work on their property – from roof repair to extensive landscaping – are getting new help in determining whether the contractors have the appropriate workers’ compensation coverage.

Assembly Bill 397 requires contractors to recertify they have no employees every two years when they renew their licenses or to show proof of workers’ compensation if they have employees.

The information is available to consumers on the Instant License Check on the Contractors State License Board’s website.

State law requires contractors to purchase workers’ compensation insurance for all employees. C-39 roofing contractors are required to have coverage even if they certify they have no employees.

Another CSLB-sponsored bill that protects consumers on the workers’ comp front is Assembly Bill 878. This legislation requires workers’ compensation insurers to report to CSLB if a licensee’s policy is canceled due to a premium audit or investigation, or a misrepresentation that harms the insurer and reimbursement isn’t made. This bill also states that disregard and violation of workers’ comp laws are cause for discipline by the CSLB Registrar.

“Having uninsured workers on your property is one of the biggest risks a homeowner takes when hiring a contractor,” says CSLB Registrar Steve Sands. “These two new laws reinforce for our licensees the importance of workers’ comp insurance and help demonstrate to homeowners why they need to make sure every worker is covered.

Health, Life, Home, and Car Insurance for Government Employees ...

Government employees get many benefits that are not open to the public. For those who work in a government job cheaper insurance is one of the perks. All inclusive policies for health, life, home and car insurance for government employees are available at cheaper rates. If you are a government employee there are many options for obtaining this group coverage. Consider the following options and ways to find cheap health, life, home, and car insurance for government employees.

Online Insurance Quotes

You can search online for cheap health, life, home, and car insurance for government employees. The search is easy. Simply go to an insurance comparison site and enter your zip code. This will allow you to narrow the search to companies that service your local area.

Next, enter your personal information and include your affiliation with the government to get a discount. The companies will either provide instant quotes you can compare or they will call you to discuss your options.

Getting the Best Deal

The key to getting the best deal is shopping around. Don’t settle for the first quote you find. Keep searching and comparing rates. Spend at least a few days vigorously searching for the best deals. Look up local agents online and give them a call if they don’t offer online quotes.

Once you have the list narrowed down you should call the company to ensure your discount is honored. You can also ask if you get a discount for paying in full up front.

Umbrella Coverage for Cheaper Rates

If you really want to save money you should include all of your coverage in one policy or with one company. Buying health, life, home and car insurance for government employees is much cheaper when your quotes are bundled. Many insurance companies will actually give you a discount for combining your policies. This means they get extra business and they have to end out less paperwork. They can send you one statement and save on the rest. Therefore, many companies pass on the savings to the customer.

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