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Loss of Use coverage. What is it and do I need it?
Loss of Use on a homeowners insurance policy is a standard coverage and is calculated as a percentage of the Coverage A replacement cost coverage (the estimated amount to replace a home destroyed by a covered loss as opposed to the...
Read MoreCongratulations to Kim Stankiewicz on her 15 year anniversary!
September, 2019 marks the 15th anniversary of our super-agent and office manager, Kim Stankiewicz. Kim started working for me in September, 2004 as a part time employee while she still attended San Diego State University as a finance...
Read MoreI received a Non-Renewal Notice on my Home Insurance! What do I do?
First of all, don’t panic! There are options available for you so call your agent and see what those options are. We are an independent agency and can re-shop the market for you to find the proper coverage at a fair value. Check...
Read MoreWhat is the California FAIR Plan and Why Should I Care?
The California homeowner’s marketplace is in chaos. Some of my colleagues have called it “the quiet crisis”. After the recent wildfires which were deemed to be the worst in California’s history, insurance...
Read MoreIt's Motorcycle Season! Are You Properly Covered?
As some of you already know, Ken May Insurance Services has been a excellent provider of the best motorcycle insurance for many years. And as motorcycles have changed over the years, so has the appetites of many motorcycle insurance...
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Are you receiving all the auto discounts you are entitled to have?
Over the years, we speak with many of our valued clients but with time restraints and the sheer number of clients, it is nearly impossible for us to "touch" everybody annually with a phone conversation but we understand that life...
Read MoreWhat Doesn’t my Homeowners Insurance Typically Cover?
It seems that every week, we receive a call from a client about whether or not to file a homeowner's claim. This is a bit complicated because you have insurance for a reason but please remember that your homeowner's policy is in place...
Read MoreWhy Should I Consider Mechanical Breakdown Coverage?
I’d like to start by telling you a quick story that involves my son. Kenny and I went to a car dealership a while back because he needed to buy a car and saw a used 2003 Nissan Sentra that he was interested in. Being the...
Read MoreWhat Does the Future of Auto Insurance Look Like?
I recently attended the annual conference of a trade group that we belong to. The keynote speaker discussed how auto insurance will be changing in the near future based on where insurance companies are spending their research and...
Read MoreWhatever Happened to Customer Service?!
At Ken May Insurance Services, I’m a stickler about offering extreme customer service or what we refer to it as customer excellence. So, with that mindset, I always measure the customer service of companies in which I do business...
Read MoreWhy are the rules different for auto insurance companies in California?
Insurance companies which elect to do business in California have to follow a completely different set of rules than they use in any other state due to Proposition 103 which was passed back in 1988. This means that the insurance...
Read MoreMy auto insurance rates went up again! What gives!
On any given day, we receive about a half dozen phone calls asking why their auto insurance renewal premium went up again. Though this is very frustrating to us all (and that includes me because I don’t receive a magical special...
Read MoreSenior Drivers: When is it time to give up the car keys?
A number of years ago, I had the dubious honor of taking my dad's car keys away from him and turning his car back in to the leasing company. At the age of only 72, he was having health issues which affected his ability to drive and he...
Read MoreAre Dog Bite Claims Really a Big Deal?
Liability claims are very costly, especially in a sue-happy state like California. It is important to have sufficient liability coverage on your property insurance in case somebody gets injured on your property. This is vital on...
Read MoreI own a Salvaged Vehicle. Can I Insure It?
The simple answer is yes, you can insure your salvaged vehicle but there are restrictions.The simple answer is yes, you can insure your salvaged vehicle but there are restrictions. Before we talk about the restrictions, what is a...
Read MoreWhy is my Homeowners insurance deductible so high?
While deductibles on auto policies are usually $250, $500, or $1,000, deductibles on homeowner’s policies are usually $1,000 or even $2,500. On the surface, this just doesn’t seem right. Or is it? Let me explain. Before I...
Read MoreAuto Insurance Deductibles: How do they Work?
Believe it or not, you have choices in the amount of insurance you purchase and how high you are willing to go when choosing your deductibles. But before you can do this, how do deductibles work and what is best for you? Your...
Read MoreWhat is an Insurance Premium and How Does This Stuff Work?
Everybody knows that insurance costs money. Just like going to the grocery store, you buy items that you need or want and pay a price. It’s the same on an insurance policy except that they call it a premium instead of a price....
Read MoreProtect Your Vehicle Well Beyond the Manufacturer’s Warranty
I loathe the car buying process at a dealership from sales to financing. You know the drill…spend way too much time waiting while the salesperson gets you the “best deal” from the manager. Then you finally agree on a...
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Insurance is About Relationships
A couple weekends ago I drove to Temecula on a Sunday for business. You’re probably thinking what kind of “business” is there in Temecula on a Sunday. Yes, I was at a winery and yes I did enjoy a tasting but I was...
Read MoreWho is responsible if a neighbor's tree falls on my property?
The basic rule when this happens is that the insurance policy of the property that was damaged pays for the loss. For example, your neighbor’s tree falls over and damages your house. In this case, your homeowners insurance would...
Read MoreHow much should I get for my totaled car?
So, you get into an accident and your "baby" is deemed to be a total loss by the insurance company. This happened to me in 2003 when my beloved Corvette was totaled by a young man late for class who ran a red light. The first thing...
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