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san diego insurance agency

Wildfire Preparation – Arm Yourself With Knowledge

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14-year-old Sophia Righthouse was praised this week for identifying a structure fire and jumping to action to warn residents. This particular 14-year-old was a Girl Scout and a Young Marines youth service member who had also completed a FEMA certification training…which is to say that she was probably more prepared to jump to action than many of […]

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san diego insurance agency

Faces of FO: Meet Luis Cano

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Get to know more about Luis Cano, one of our newest account managers. Luis has several years of insurance account management experience under his belt. If you could be a character on any TV show, who would you be, and why?  Vinny Chase from Entourage. If you’ve watched the show, you’d know why! He’s living […]

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san diego insurance agency

How does my property value affect my homeowner’s insurance?

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Great question! We offer a replacement cost guarantee of 25% or 50% on most our homeowners policies, which goes above and beyond the dwelling coverage. We do this to protect our customers in the event of inflation or high demand, which would result in a sudden higher cost to rebuild if an incident occurs. While […]

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san diego insurance agency

How does personal property apply on a homeowner’s policy?

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When you purchase homeowners insurance, did you know that you are buying coverage not only to replace the cost of damage to your home, but also damage to personal property within your home? Homeowners insurance can also offer liability coverage to any injuries that occur at your property. Let’s explore homeowners insurance: what it covers, […]

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san diego insurance agency

Protecting Your Home: Special Insurance Concerns for Homeowners

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Most of us purchase homeowner’s or renter’s insurance directly from an insurance company or through an agent/broker and don’t really think twice about it as long as it meets the minimum requirements of the lender or the landlord; but there are several coverages or endorsements that are important. Personal Property Replacement Cost Coverage It is common […]

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san diego insurance agency

Let’s Talk Homeowners Coverage and Extended Replacement Cost

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Actual cash value. Depreciation. Extended Replacement Cost. Are you well versed in the terminology of homeowners’ insurance? If not, read on! Depreciation Depreciation basically means that your home loses value over time because the home ages and some items and systems within the home become outdated. Much in the way that your brand new Apple […]

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san diego insurance agency

Protecting Your Well-Being: Health Insurance

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Health insurance is a complicated topic and one that most find very personal. After all, no two individuals have the same health needs or consume health services the same way. Many of us want different things from our policies. Here is an overview of the health care marketplace and the many policy choices available, along […]

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san diego insurance agency

5 Rules Every Landlord Should Live By

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I’m pretty confident that if you asked anyone who has ever owned a rental property you would get an overwhelming response that it’s not as lucrative or easy as they thought it would be. In fact, owning a rental property can be a major pain, and end up costing you a ton of money! I […]

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san diego insurance agency

Will my credit rating change my insurance rates?

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I was recently asked this question by one of our Fusco & Orsini Insurance Services clients, and thought I would share the answer here for our readers. There are a lot of things that go into homeowners and auto insurance rates, one of them being credit. I’ve heard a lot of complaints from people who don’t […]

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san diego insurance agency

Why Do My Auto Insurance Rates Keep Going Up Even Though My Car Keeps Getting Older?

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Why do my auto insurance rates keep going up even though my car is getting older?  At Fusco & Orsini Insurance Services, many of our clients ask this question so I would like to address it from a couple of angles. First things first, even though it’s called car/auto insurance, it covers more than just […]

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