By alessiafernandez December 31, 2018
For those who are seeking home insurance, there is no better insurance provider than Rais Insurance. They have a team that first listens to your needs and then suggests the insurance policy. With their proactive attitude, I got my home insured quickly and with a very affordable premium. ...read more
By ethandavis11 November 25, 2015
Get the insurance from rais insurance and their policies can cater to you health needs. Their affordable and reliable policies, so you would not face any trouble in future. Their insurance policy are designed to safeguard the resources of clients. ...read more
By SBarnes February 04, 2014
I got a great coverage at a great price!! ...read more
Most of the insurance policies are formulated to protect people, properties, entities from any certain or uncertain damages. Like life insurance, home insurance is also quite common these days. Most of thehome insurancesare done to protect homes from unwanted damages. While most of the homeowners take insurance policies against mortgages, disasters, burglary, etc. but one such unexpected event that is often left out is floods. Yes, most of the insurance policies do not cover flood damages. Many of the homeowners are even unaware of it. This is even more common in the area where the flood is quite uncommon. However, can you be certain that there will be no flood in your Areas? No. then why not cover your home with extra protection from flood. California is a coastal state with a lengthy coastline. Most of the residential places are within a few hundred KM of the ocean. Heavy rain or catastrophic hurricane can bring flood and cause devastation. So even if your city, residential area is not flood-prone, it makes sense to have flood insurance for your home. Most of the home insurance policies do not cover flood. However, to help people from floods and disasters related to floods, the Congress initiated the National Flood Insurance Program (NFIP) in 1968. Thus, it makes sense to cover your home with the extra protection of insurance, if you live in a high flood prone region. But it would not be bad if you ensure your home even if you do not live in a high flood prone region. If you live in California, it makes sense to have flood insurance of your home. As floods can cause devastating financial damages especially in California. Given the potential of flood damages, it is advisable to insure your home from a reliable and sound Flood Insurance Agent in California. There are some best entities in California. They are one of the most reliable flood insurance agents in California. We not only cover the owner and properties owned by the landlord but also covers renters and their properties. Some policies cover apartments, homes, houses, duplexes, condo, etc. along with the personal property in them. The team of insurance providers works in the whole of California irrespective of the region being flood prone or not. The team understands your need and requirement, and they will offer you the best coverage that will not be financially heavy. They work with each customer to understand the current insurance policies of customers so that they can offer the best possible solution to reduce the risk of flood or related disaster on your home. So, if you have a home in California and have not insured your home with a flood insurance policy, then do not panic. It is still not too late. You can contact any insurance provider and within a few days, your home will be insured against any damage from flood or flood-related disasters. Just one call and you can have a sound sleep. ...read more
By Rais Insurance August 30, 2018
Health care insurance is a primary necessity for a disease-free life in 2018. Hospitalization costs skyrocketing each day, and if group health insurance offered at work does not cover your family’s health, you need to get a personal and an affordable family health insurance to ensure your loved one’s safety. Emergencies can occur without a formal notice, and staying prepared for the unforeseen is the major reason to get health insurance. Like any other investment that you make, health insurance must take priority over other investments. Not only do you gain coverage for hospitalization, room expenses, ancillary and preventive cover, you also gain tax benefits. Let’s explore further why should you invest in an affordablefamily health insurancein 2018 that does not strain your pocket. Benefit from critical care coverage Emergencies come without warning and if you are not prepared with a health insurance for yourself and your family, you may not get the best treatment possible. The insurance will ensure access to all the essential medical benefits such as access to more than one hospital, laboratory services for blood or urine tests, etc. Critical care coverage may also include medical care during pregnancy and neonatal treatment. Day care procedures At certain times, you might need to be hospitalized for less than 24 hours. If this type of coverage isn’t offered at your workplace group health insurance, then your personal health care insurance policy claim will cover the bills incurred during the hours of hospitalization. Cashless hospitalization facility An ideal health insurance plan must offer to its policyholders a cashless and hassle-free hospitalization. Such a facility is extended at all network hospitals offered by the insurer. So, if you are in another city or county, and a hospital is covered by your insurance, you can go ahead with the best treatment option. Room and boarding expenses Most health insurance plans offer coverage for the room and boarding expenses as a result of hospitalization. If you or someone in your family has been hospitalized (and they are also covered by your family health care insurance plan), the insurer will pay for the total cost of room and boarding expenses. In certain cases, some insurance companies or agencies only pay up to a limited percentage of the total cost, while the remaining half has to be borne by you, this varies from company to company- therefore you need to read the terms and conditions before investing in a plan. Ambulance expenses Even with your critical care & preventative care expenses covered there is still the ambulance expense. While a government health care insurance is affordable, it does not cover this specific expense and it is quite important that your private health insurer does so. Investing in affordable family health insurance is a serious thing and the one that brings you and your loved ones long-term benefits. Do consult with an expert family health insurance agent about what are your options and other specific requirements. Companies such asRais Insurancefor insurance plans based on budgets and needs. ...read more
By Rais Insurance March 27, 2018
Renters’ insurance also known by the name Tenants’ insurance, offers some benefits and privileges of the homeowner insurance to those who are living in rented dwellings. Apart from the liability insurance, the tenant is also insured against theft, fire and vandalism among other threats and calamities. While renters’ insurance is easily available, it is purchased by few, as many consider that property insurance is the responsibility of the homeowner. That is why we get to know the news that “Tsunami affected victims are still sheltered within the refugee camps”, “apartment fire has left many homeless” and similar. The tenants should know that the homeowner has no responsibility towards the belongings of the tenant. Hence, purchasing tenants’ insurance is quite important for all those who live in rented home or apartment. Renters’ insurance costs significantly less than the homeowner insurance. You can easily buy it online or offline when you know how to choose the right company and renters’ insurance provider. Here are a few tips that will help you out. Choose the most relevant coverage While buying the renters’ insurance, you must ensure that you are getting adequate coverage for the most likely adverse situations that may affect you in the future. For instance, if you live in an area noted for its higher crime rates, the renters’ insurance policy should cover this aspect with a good amount of reimbursement in case a theft or burglary occurs. The renters’ insurance, as offered by the leading companies, offers basically four types of insurance covers. These include: Liability coverage:Thisrenters’ insurance in Californiacoverage provides protection against a legal liability that may arise when the tenant or any other member of the household of the tenant accidentally injures himself/herself while being on the rental property. The liability also covers the damage to the rental property. Personal belongings cover:The insurance cover is for the appliances, technological gadgets, clothing, furniture and other items that the tenant uses on a daily basis. It may also include jewelry, musical instruments, health gym equipment and other belongings. Medical liability towards visitor coverage:When a house guest gets injured while being on your rental property, this cover helps you out. The medical payments covered include the doctor fee, diagnosis/pathological tests charges etc. Cover towards “loss of use”:This cover is for loss of use of the property. If you are temporarily displaced because of severe damage to the apartment/home, the cover helps you out financially and provides you extra funds for the extra/additional living charges/expenses. You need to choose a renters’ insurance keeping in mind the covers that you may need in the future and also consider the following factors: Cost The more covers you opt for, the higher the policy will cost. Hence, it is good to choose the relevant coverage only. The cost may also vary from one insurance provider to another. If you buy the renters’ insurance from a seller from which you have purchased other insurance policy/policies (for instance car insurance) before, you may also get discount. Compare quotes It is now easy to compare and buy renters’ insurance online and offline. You can either visit the office of an insurance provider or can search and compare plans online itself, on the private and public insurance exchanges. You will get quotes from different companies and will be required to choose the best option amongst all. See to it that the insurance is most affordable, the company is credible and the insurance covers the relevant aspects. Talk to your friends, acquaintances and others to know more about the renters’ insurance, if they have purchased one. Research on the internet, talk to the existing clients and try to know the company and its terms and conditions. ...read more
By Rais Insurance January 22, 2018
Selling long-term health care insurance can increase an agent’s book of business. Many agents specialize in health care insurance once they learn the proper sales techniques. An agent should develop a script to use to explain the benefits of a long-term health care insurance policy to a client. ...read more
Many renters prefer to find an insurance policy online instead of calling different local insurance agents. The renter will need to figure out how much coverage to buy before looking online for a policy. Obtaining a quote from different online sources will allow the renter to compare different insuran... ...read more
