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san diego insurance agency

Protecting Your Home: Special Insurance Concerns for Homeowners

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

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means that your home loses value over time because the home ages and some items and systems within the home become outdated.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

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

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?

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?

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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