Tips for Insuring an Electric Vehicle

Posted on January 30, 2026January 12, 2026 by admin

Insuring an electric vehicle (EV) involves different considerations that extend beyond those of a traditional gas-powered car. If you’re one of the many California drivers who now have an electric vehicle, you’ll need an auto insurance policy that takes into account the different considerations that EVs present. Here’s how to go about finding such a policy.

Use an Independent Insurance Agent

Seek the assistance of an independent auto insurance agent. Independent agents can compare policy types and premiums from multiple insurance companies to find the best options for their clients. While this is a good practice anytime you’re getting insurance, it’s especially important when insuring an EV.

EVs continue to evolve, and insurance companies are adjusting their policies accordingly. Not all insurers are making the same coverage or premium adjustments, however. Working with an independent agency like us, Crown Reinas Insurance Agency, makes it easy to compare what different insurers are offering.

Consider Full Coverage

While state law in California only requires basic liability-only auto coverage, the high repair costs of EVs make full coverage highly advisable. Full coverage includes collision and comprehensive coverage, which helps pay for damage to your EV, something that liability-only doesn’t do. EVs are packed with sensitive sensors, cameras, and specialized glass that can be expensive to replace after a minor accident or a non-collision event, such as theft, vandalism, earthquakes or floods.

Make Sure the Battery Is Covered

One of the most expensive components of an EV is its battery. When selecting a policy, verify that battery replacement is covered in the event of an accident. This is a feature that many, but not necessarily all, insurance companies provide as standard protection. We regularly check this when helping EV drivers with their auto insurance purchase.

Work With a Knowledgeable Insurance Agent

If you have a new-to-you EV, reach out to Crown Reinas Insurance Agency for assistance with finding an auto insurance policy that protects your investment. We’ll explain coverages, compare rates, and help you make an informed decision.

What’s Going on With the Proposed Road Charge Program?

Posted on December 31, 2025December 13, 2025 by admin

Anyone paying attention to the news in the past few years has heard rumblings about a road charge program that would make California drivers pay a fee for each mile they drive. It seems to pop up again now and then, so what’s the status of this proposed mileage tax, and why is the state still considering it when residents are already paying gas taxes, auto insurance, and more? Crown Reinas Insurance Agency has the answer.

More Electric Vehicles Means Dwindling Gas Taxes

Right now, the state gets money to do things like repair roads and support public transportation from the taxes you pay when you buy gasoline. However, the increasing numbers of electric cars that never need to go to the gas station mean that fewer drivers are paying gas taxes. So, the funds for those repairs and transportation improvements are shrinking. The state wants to find a way to ensure electric-car drivers are paying into the fund. The solution that many think will work is a road mileage tax.

So far, the state has had two pilot studies, one in 2017 and one that wrapped up in January 2025. (San Diego County tried to implement a regional version of the tax but dropped the plan after widespread opposition.) The state’s two pilot studies looked at how the fees would be collected and what methods might make it easier to monitor actual car mileage. Participants received gas tax credits in exchange for paying the mileage fees. So, as of late 2025, the state is still evaluating the results. It’s worth noting that Hawaii actually implemented its own mileage fee for electric vehicles in July 2025, and that may provide more information for California to consider.

No matter what the state does with the road charge, you’re still going to need auto insurance in California. Give Crown Reinas Insurance Agency a call now to find a great insurance policy.

When Does Your Business Need Specialized Insurance Coverage?

Posted on November 26, 2025November 13, 2025 by admin

Many California companies start with a business owner’s policy (BOP) that bundles basic liability coverage with commercial property and business interruption insurance. A workers’ compensation policy is also essential. However, as time progresses, your business may change, necessitating specialized coverage. Crown Reinas Insurance Agency, serving California, can recommend specialized commercial coverage to protect your investment.

Key Triggers for Specialized Insurance

Some businesses need specialized insurance from the moment they begin operations. If you are in an industry that provides customers with professional advice or services, you need professional liability insurance, also known as an errors and omissions policy. Another instance where you may need a specialized policy is if your company has vans or other vehicles used for business operations. This situation requires a commercial auto policy, as your personal auto insurance won’t provide coverage.

If you sell items, consider product liability insurance. Many businesses don’t initially think this protection is necessary. Yet, a policy can help save your business if one of your products injures a customer or damages their property and you face a lawsuit.

Other specialized policies:

Cyber insurance for handling sensitive data
Equipment insurance for owning or leasing construction equipment
Umbrella insurance for additional liability limits when you have a higher risk profile

Short-Term Policies

Some business activities may require short-term policies before you can sign a contract. The practice is common in the construction industry when building large projects for clients. Typical policies include, but are not limited to, public liability insurance and contractors’ all-risk insurance. Always check contracts to ensure you have the proper protections in place. Without such protections, you won’t be able to sign the contract.

Schedule an appointment with Crown Reinas Insurance Agency, serving California, to review your commercial insurance needs. Our agents will gladly help you customize policies to protect your business investment.

Family Memories and Valuables: How To Protect What Matters Most

Posted on October 31, 2025October 24, 2025 by admin

Our homes hold far more than walls and furniture. They’re filled with memories, heirlooms, and the meaningful possessions that tell our family’s story. From photo albums and antiques to jewelry and artwork, these cherished items deserve the same level of protection as the home itself. That’s where a well-structured home insurance policy makes all the difference. At Crown Reinas Insurance Agency, serving Los Angeles, CA, we offer the insurance solutions you need to keep your possessions protected.

Understanding What’s Covered

A standard home insurance policy typically includes personal property coverage, which protects your belongings from covered events like fires, theft, and certain types of water damage. However, coverage limits can vary. While everyday items are generally protected, high-value possessions such as fine art, jewelry, and collectibles often require additional coverage.

Adding Extra Protection

To safeguard valuable or sentimental items, consider a scheduled personal property endorsement (sometimes called a rider). This allows you to individually list and insure your most prized possessions for their appraised value. It not only provides higher coverage limits but may also protect against a wider range of risks.

Documenting and Preserving Your Memories

Taking an inventory of your belongings is another important step. Keep detailed records, photos, and receipts for valuable items, and store copies of these records in a secure, off-site location or cloud-based system. This documentation helps streamline the claims process if you ever need to file one.

Protect What Truly Matters

Your home insurance policy should reflect more than the cost of your house. Contact Crown Reinas Insurance Agency in Los Angeles, California, to review your current coverage and make sure your family’s most meaningful memories and valuables are protected for generations to come.

Should Entrepreneurs Purchase a Personal or Commercial Auto Insurance Policy?

Posted on September 30, 2025September 24, 2025 by admin

Every entrepreneur in California should have at least the basic auto insurance coverage required by state law. However, there may be times when a personal policy isn’t sufficient, and you’ll need commercial insurance for your personal vehicle.

Understanding the Differences Between Personal and Commercial Auto Insurance

Personal insurance is designed to cover incidents that occur when you drive your car to and from work or places you visit during your free time. Basic coverage includes liability for bodily injury and property damage, but this only pays for damages to other people affected by the accident, not the policyholder or passengers in the car.

Commercial auto insurance typically costs more but provides broader coverage than a personal policy. Additionally, it covers all instances in which a car is used for commercial purposes. These purposes can include traveling to meet clients or business partners, transporting business assets or products, and attending exhibitions or trade shows. A personal policy won’t provide compensation if you’re in an accident while using your car for business activities rather than personal use.

Need Commercial Insurance? Crown Reinas Insurance Agency Can Help

Basic commercial auto insurance is essential for any California resident using a personal car for commercial purposes. Additionally, there are other auto insurance policies you may want to explore to ensure you have adequate coverage for any situation. Crown Reinas Insurance Agency offers a range of commercial policy options and bundles designed to meet the diverse needs of entrepreneurs across various industries. Contact us today, and we’ll guide you through the options to help you choose the policy that best fits your needs and budget.

Wildfire Season in California: Commercial Insurance Essentials

Posted on August 29, 2025August 21, 2025 by admin

Wildfires don’t wait for anyone, and they don’t spare businesses just because their insurance isn’t prepared for the task. A discarded cigarette, a spark in the hills, or one shift in the wind can leave entire neighborhoods scrambling. For businesses in California, wildfire risk isn’t just theoretical; it’s a reality of doing business in the state.

The True Cost of Fire Season for Businesses

It’s not just flames threatening your storefront. Smoke can damage your inventory, evacuation orders can shut down operations for weeks, and employees may be unable to come to work. These disruptions add up quickly, and without a solid commercial insurance policy, the financial burden falls squarely on the business owner’s shoulders.

Why Commercial Insurance Is Crucial in Wildfire-Prone Areas

A generic insurance policy often isn’t sufficient in wildfire-prone regions like California. Businesses here need coverage that accounts for disruptions, liability, and the physical impact of fire or smoke. At Crown Reinas Insurance Agency, we understand how quickly situations can escalate from manageable to devastating. As a business owner, it’s vital to go beyond basic coverage to avoid being blindsided by gaps in your policy. When you’re focused on keeping your customers and employees safe, the last thing you need is a surprise denial from your insurance provider.

Safeguarding Operations and People

Protecting your business during wildfire season requires more than just a policy—it requires comprehensive planning. Coverage for property, business continuity, and liability concerns is essential. The right commercial insurance provides the security you need to keep your doors open or recover quickly if disaster strikes. It’s not just about protecting assets; it’s about ensuring your business can weather the storm.

Act Before the Smoke Rises

If you own a business in California, now is the time to act. Connect with an expert at Crown Reinas Insurance Agency to discuss your commercial insurance needs. We’ll help you prepare today so you can face tomorrow with confidence.

Will Home Insurance Cover Pest Removal?

Posted on July 31, 2025July 25, 2025 by admin

Pests can cause a range of problems, from electrical fires to unsanitary living conditions. If you’re struggling with pest removal costs, you may wonder if your homeowners’ insurance in California will cover them. Unfortunately, the answer depends on your policy and the circumstances.

Regular Maintenance

Many insurance companies consider pest removal to be the homeowner’s responsibility, as it falls under the category of regular maintenance. This includes preventive measures such as pest control or tree removal.

However, some insurance companies make exceptions for pests that cause significant damage, such as termites. To determine if your pest removal costs are covered, please speak with an agent at Crown Reinas Insurance Agency.

Damages Caused by Pests

Whether damage caused by pests is covered depends on your insurance company and the specific situation. Many policies exclude pest-related damage, citing that proper maintenance could have prevented the issue.

On the other hand, exceptions may be made for sudden situations or covered events. For example:

If a mouse enters your home and causes an electrical fire, but there isn’t a full-blown infestation.
If a covered event, such as a tornado, creates a hole in your home that allows pests to enter.

Rarely Covered

Homeowners’ insurance may cover pest removal in rare cases, but general extermination services—such as bed bug removal—are typically not covered. To confirm, review the fine print of your policy or consult your insurance provider.

At Crown Reinas Insurance Agency, we understand how complex insurance policies can be. Our experienced agents can help you determine what’s covered under your policy. Contact us today to learn more. We proudly serve the California area.

The Importance of Updating Your Auto Insurance Policy After Major Life Changes

Posted on June 30, 2025June 24, 2025 by admin

Life changes quickly, and when it does, your auto insurance should keep up. A new job, a move across town, or a teen starting to drive—these types of changes can all affect your insurance needs. If your insurance policy through Crown Reinas Insurance Agency, serving California, doesn’t reflect your current situation, you might not have the coverage you think you do.

A New Address Can Change Your Rate

In California, where you live, plays a big role in determining your car insurance premiums. Urban areas with higher traffic and more accidents typically have higher rates compared to quieter suburbs. If you’ve moved recently—even just across town—it’s important to update your address with your insurer.

An incorrect address could lead to issues with future claims or missed savings opportunities. It can also result in missing important correspondence from your insurance company, even if you’ve taken steps to have mail forwarded.

Drivers in Your Home Matter

When someone in your household starts driving, such as a teenager or a new roommate, it’s essential to add them to your policy. Insurance companies assess risk based on all licensed drivers in your home. Leaving someone off your policy could lead to claim denial if they’re involved in an accident while driving your vehicle.

How You Use Your Car Can Shift

Changes in how you use your car can also impact your insurance needs. For example, if you’ve started working from home or changed jobs, your daily mileage may have decreased. Conversely, if you’re now using your car for deliveries or rideshare services, you may need different coverage. Reporting these changes ensures your policy aligns with your current usage.

Keeping your auto insurance updated after major life events protects you financially and legally. A quick review with your agent at Crown Reinas Insurance Agency, serving California, ensures your coverage fits your current lifestyle—and gives you peace of mind every time you hit the road.

Does Commercial Insurance Cover Mold Damage?

Posted on May 30, 2025May 28, 2025 by admin

Commercial insurance helps business owners protect their investment during specific events. However, numerous factors can cause financial strain, including mold damage. So, does insurance cover the cost of mold remediation?

Varieties of Commercial Insurance

There are several types of commercial insurance available to business owners in California, each covering different aspects of their operations.

Liability Insurance: Liability insurance provides coverage if someone sues the company or gets injured on the property. However, it does not cover injuries to employees, as that falls under workers’ compensation.
Property Insurance: Property insurance covers damage to the property, including the interior.
Business Interruption Insurance: This type of insurance helps business owners stay afloat if they need to shut down their operations temporarily. For instance, it may be helpful if they have to close their shop for repairs.
Natural Disaster Insurance: Insurance covers specific types of natural disasters. For example, hurricane insurance only covers damage from hurricanes, flood insurance covers damage from floods, and so on.

Whether an insurance company provides coverage often depends on the type of insurance policies you have. Many companies aiming to save money opt for workers’ compensation insurance (as it’s legally required) and basic liability insurance when working with Crown Reinas Insurance Agency, meaning that property damage isn’t covered.

Policy Exclusions

Policies often have exclusions regarding coverage. For instance, some policies specifically exclude coverage for mold unless it’s from a covered event, such as a burst pipe. Many exclude mold if it’s from a natural disaster, like a flood, because it’s the property owner’s responsibility to remove water as soon as possible.

Understanding what your policy covers is crucial to ensure you have coverage when needed. Experienced customer service representatives at Crown Reinas Insurance Agency can help you learn what your policy covers and other options you have for more coverage. Contact us today to learn more. We’re currently serving the California area.

Top Reasons Home Insurance Claims Get Delayed (And How to Avoid It)

Posted on April 30, 2025April 28, 2025 by admin

Filing a home insurance claim can be stressful enough without the addition of unexpected delays. At Crown Reinas Insurance Agency, serving the entire state of California, we understand how exasperating it can be when you’re awaiting a claim decision during an already challenging time. The silver lining? Many delays are avoidable if you know what to watch out for.

Incomplete or Absent Documentation

One of the most frequent reasons for a slow claim process is missing paperwork. Whether it’s photos of the damage, repair estimates, or proof of ownership, not having the appropriate documents ready can slow down the entire process. When an incident occurs, try to document the damage as thoroughly as possible and keep your receipts and records organized.

Delayed Reporting

Procrastinating on reporting a loss can cause issues with your claim. Some homeowners assume it’s best to wait and assess the damage’s severity before contacting their insurer. However, the sooner you report the incident, the smoother the process usually goes. Prompt reporting provides your insurance company with a comprehensive picture and helps expedite the process.

Misunderstanding Your Coverage

Sometimes, delays occur because homeowners are uncertain about what their policy actually covers. For instance, assuming flood damage is included when it’s not can lead to confusion and disappointment. That’s why regularly reviewing your policy and asking questions is so crucial.

At Crown Reinas Insurance Agency, we proudly provide home insurance to residents throughout California and believe in simplifying the home insurance process, making it stress-free. If you want to feel confident about your coverage or need help navigating a claim, reach out to us today. We’re here to protect what matters most to you.

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