Knowing the specifics of your health insurance policy

Health insurance can be complicated. Not knowing what is covered on your policy and what the policyholder is expected to pay out can result in some financial surprises. However, agents from JT Insurance Services are able to provide all of this information to those who are interested in coverage in the Los Angeles, CA area. 

Deductibles and out of pocket expenses

Many policies will contain a deductible that must be paid before the insurance policy will pay out for particular services or expenses. This deductible is paid by the policyholder out of pocket. It may be possible to change some of these options, so it is crucial to stay in touch with your insurance provider. 

Know what is in your network

The network that is included with a policy is just another name for doctors, facilities, hospitals, and offices that agreed to provide services with your insurance provider. You should always check with the provider before visiting a new doctor or hospital to make sure that they are part of your network, and so you can avoid additional expenses. 

Prescription coverage

Most policies will have coverage that extends to medications that are available at your local pharmacy. However, it is always helpful to know how the plan will cover these costs, and if you have to make any out of pocket payments for your medications. This is especially important for any medications that you will need to take regularly. Generic versions may be available at a lower price. 

Get more information about the right health coverage

To find out more about a health insurance policy, contact an agent at JT Insurance Services. We serve the Los Angeles, CA area with superior medical coverage. Let our agents help you get a quote.

How Much LIfe Insurance Do I Need?

While it is nearly impossible to isolate the exact amount of life insurance you need down to the penny, you can make a safe estimate if you take into consideration your financial situation and think about what your family will need in the coming years. JT Insurance Services in Los Angeles, CA can work with you to find the right amount of coverage for your needs.

What is Life Insurance?

Life Insurance is a policy where an insurance company agrees to pay a predetermined amount of money after the death of the insured party, assuming that the premiums are paid in full and up to date. Essentially, a life insurance policy provides peace of mind to the insured person because their loved ones will have financial protection in the event of their death. There are two categories of life insurance – whole and term. Term life insurance provides coverage for a specific period and is generally less expensive and easier to qualify for. Conversely, whole life insurance offers lifetime coverage and has an investment portion called the policy’s cash value. Additionally, you can borrow money against the account or even give up the policy for cash, but you are required to repay policy loans with interest for a loan. You will receive no death benefits if the policy is surrendered. 

How to Find Your Ideal Coverage Amount?

Finding the right amount of life insurance coverage is relatively simple. Take your annual salary and multiply it by the number of years that you want to replace that income. To that figure, add your mortgage balance plus additional debts (Car payment, student loans, credit cards, etc.) and additional future needs like money for college and end of life care.

Give JT Insurance Services a call to schedule an appointment to learn about your various life insurance options. We proudly serve the Los Angeles, CA area and are happy to answer any questions that you have.

Ways to Protect Your Home

There are a number of ways to protect your home in Los Angeles, CA and in doing so you may be able to save on insurance costs. An agent at JT Insurance Services can tell you more about available discounts.

Secure Doors: You don’t want a burglar to be able to stroll through the front door. Inspect exterior doors and make sure frames are strong and hinges are protected.

Light Up Your Landscape: Burglars and criminals don’t want to be in the spotlight so have plenty of outdoor light. Place lights around the back and front yard, near the garage and other structures, and along pathways. This will make an intruder think twice and you will also cut down on the risk of a fall for yourself and family members.

Set Up a Security System: Whether it’s a basic system or one that comes with home automation, your home should have a security system. There are plenty of options for every budget and protection need. Security cameras will work both as a deterrent and a means of justice. Security cameras can be part of the security system or you can have cameras that work on their own. Use cameras with a mobile app so you can look at the footage in real-time and be able to store it.

Eliminate Hiding Places: Trees and shrubs can be a great way to give you home some curb appeal but this also gives a burglar a place to hide. Trim plants and trees close to the home that could be used for cover.

Get a Safe: In the event that someone does get into your home, you want your valuables to be protected. An in-home safe can store jewelry and important documents like passports. The safe should be waterproof, fire-resistant, and heavy enough that a thief can’t walk away with it.

Contact JT Insurance Services, serving Los Angeles, CA, to get a quote on home insurance. 

Should You Have More Commercial Coverage?

The amount of commercial coverage you need is determined by a few different factors. As your business grows and changes you may need more or less coverage and having the right amount can make a big difference in your business. For those in the Los Angeles, CA area, the agents with JT Insurance Services can help you tailor the perfect policy.

When deciding just how much coverage you need there are a couple of things to keep in mind. For starters, the larger the business, the more coverage you likely need. If you keep large amounts of inventory on-site you are likely going to need more coverage than someone that makes items to order. Another thing to keep in mind is that as you upgrade things like shelving, displays, and even the electronics used to categorize and inventory your store or business, you may need to upgrade coverage.

It is always best to check and see what type of coverage you have and to determine if you need more or less at least once a year. This is going to help you to determine if you have the right amount of coverage for your business and if you need to alter it in any way. As with home insurance and car insurance, you need to make sure your policy is tailored to your particular business and that you are going to be able to get the right payout should something happen to your business.

For those that live in the Los Angeles, CA area, the agents with JT Insurance Services can help you to find the right coverage for your business so that you can be fully covered no matter what. Your commercial coverage is crucial, do you have the right amount?

Do You Need An Insurance Cover If You Live In California?

There is no easy way for anyone to predict the occurrence of a natural disaster accurately. The events occur randomly, and despite our efforts to prepare for their outcomes, we sometimes sustain injuries, damages, and devastation. 

Earthquakes are an excellent example of such phenomenal events. The seismic activities have been rocking Los Angeles and California for decades, and we should expect them to continue in the future. 

How Does One Prepare for Earthquakes?

There are different safety drills that you need to take to be safe from injury. However, you cannot protect your assets using these strategies. That’s why you need to get insurance against earthquakes to help repair or replace your belongings.

What is Covered with an Earthquake Insurance Policy?

Anyone who lives within Los Angeles or anywhere in California is eligible for such coverage. You can insure your home, car, and other assets from damages caused by this activity. If you don’t own any significant assets, you can still get insurance coverage against injuries you may sustain from an earthquake. 

How Can You Find a Reliable Policy?

At JT Insurance Services, we are dedicated to helping our Los Angeles, CA clients get the most reliable insurance coverage possible. We have employed outstanding and experienced insurance agents who work around the clock to deliver on our promise. Throughout the years, we have been providing these services and have been able to serve a vast number of people who needed insurance just like you. 

We will provide you with a quote and offer our professional guidance until you are satisfied with our services. Visit our office in Calabasas, CA today, and let us help you to choose the earthquake insurance coverage for you and your family.