October 23, 2017

Get a Home Insurance Quote

Get free home insurance quotes with the best insurance rates  on Low Cost, Affordable, Cheap, Home  Insurance. We can save you money on your home insurance if you live in Sacramento, Folsom, Chico, Redding, San Francisco, Oakland, San Jose, Long Beach, Fresno, Los Angeles, Santa Ana, Santa Barbara, Anaheim, or the San Diego areas from best rated insurance companies .

Click Here to get a Free Home Insurance Quote

Searching where you can find the best insurance rates on low cost affordable and cheap home insurance – Well, You’ve  found it

Protect one of your most valuable assets – your home. Having the  right homeowners insurance helps you keep your money where it belongs… in your pocket.   We provide free  home insurance quotes from  the best homeowners insurance companies in the industry such as Civil Service employees (CSE), Stillwater Insurance, Fidelity Insurance, Travelers Insurance, Hartford Insurance, MetLife Insurance, GMAC Insurance, Foremost Insurance, Lloyds of London Insurance, American Reliable Insurance, American Modern Insurance, First American Specialty Insurance,  Safeco Insurance, Tower Insurance, Geovera Insurance, and many more.  Looking for low cost affordable cheap quick and easy home insurance.  Let us do the searching from top rated home insurance companies for you.

Natural disasters and man-made accidents aren’t just a possibility,  they are an eventuality.   Barragan  Insurance Agency invites you to think of your greatest asset…your home. There are a number of ways to trim your homeowners insurance costs.  The price you pay for your home insurance can vary by hundreds of dollars.

Click Here to Get a Free Home Insurance Quote

Here are a few things to consider when buying homeowners insurance that can save you money.

  • Combine your homeowner insurance and auto insurance as a package  and discount your homeowners insurance by as much as 25% for insuring both your car and your home together with the same company and  receive additional discounts on your auto insurance for packaging the two policies together.
  • Make sure you are receiving all of the homeowners insurance discounts you deserve. Homeowners insurance discounts are often available for smoke detectors and fire alarms, burglar alarms, non-smoker, new home, preferred home builders,  senior citizen, government employee, civil service,  medical personnel, educators,  gated community, indoor fire sprinklers, marriage, and updates to your home such as a new roof, electrical, plumbing, or heating / cooling system.
  • Increase your home insurance deductible.  The standard home insurance deductible is generally $1000, but many people still carry a $250 or $500 deductible.  Typically, you can save about 10% on home insurance just by increasing a $500 deductible to $1000 or more.

Available Discounts:

  • Package policy (auto insurance / homeowners insurance together )
  • Smoke detectors,  fire alarms, Central monitored burglar/ fire alarms
  • Non-Smoker
  • New home
  • Senior citizen
  • Government Employee
  • Civil Service Employee, such as  Law Enforcement, Fire Fighters, Teachers, PERS members
  •  Medical Personnel, Doctors, Nurses, Physician Assistant, Nurse Practitioner
  • Educator /Teacher /STRS members (current or retired) / PERS members (current or retired)
  •  Gated community
  • Indoor fire sprinklers
  • Married
  • Updates on electrical, plumbing, heating, roof
  • Public Utility employees  such as CalTrans employees, SMUD, PG&E, Sprint, Verizon, AT&T
  • PERS members, City employee, County employee, State employee (see list of State Agencies for Eligibility), Federal employee
  • Preferred home builder  (check to see if your home builder is on the list)

Let us know which  discount(s) apply.

Click Here to Get a Free Home insurance Quote

Depending on where your home is located or if it is required by your mortgage lender, you should  consider Flood Insurance and / or Earthquake Insurance to protect you financial Investment.

Click Here to Get a Free Homeowners Insurance Quote

Frequently Asked Questions about Home Insurance

Should you have any questions, please phone us at 916-984-9320.  You may also send us an mail to: Info@barraganinsurance.com

Barragan Insurance Agency

1132 Suncast Lane Ste 8

El Dorado Hills, CA 95762

Phone:  916-984-9320

Fax: 916-984-8013

Home Insurance Center for Sacramento and the Northern California region including homes in Folsom, Elk Grove, Rancho Cordova,  Carmichael, Antelope, North Highlands, Gold River, Fair Oaks, Woodland, Natomas, Sacramento, Anatolia, Kavala  Ranch, Rocklin, Roseville, Lincoln, Loomis, Granite Bay, Galt, Davis, West Sacramento, Citrus Heights, Orangevale, El  Dorado Hills, Stockton, Modesto, Lodi, Merced, Tracy, Antioch, Dixon, Woodland, Fairfield, Vacaville, Chico,  Bakersfield, Los Angeles, San Diego, San Francisco, Long Beach, Fresno, Oakland, Santa Ana, Anaheim, Vallejo, Marysville, Yuba City, Linda, Plumas Lake, San Jose, Campbell, Marin, Brentwood, Pasadena, Hayward, North San Diego, Orange County, Placer County, Sacramento County, El Dorado County,  Yolo County, San Joaquin County, Sutter County, Northern California, Central California, and Placer County, and other cities and counties within California.

Are You Paying Too Much For Insurance?

Are you over-paying for Insurance? Find out? The cost of Insurance can vary considerably for the same person depending on the insurance company,  in some cases, by more than thousands of dollars per year.

Let us shop and compare the Best Insurance Rates for you! We will find the best, low cost, affordable, cheapest insurance rates for you from industry leading stable insurance companies.

We  are the Insurance Center for the Best Rates in California for  Affordable, Low Cost, Cheap Insurance. Let us help you save money on insurance while not skimping on your insurance coverage.

Let us provide you with a Free Homeowners Insurance QuoteFree Car Insurance Quote,   Free Motorcycle Insurance Quote,   Free Life Insurance Quote ,   Free Health Insurance QuoteFree Flood Insurance QuoteFree Business Auto Insurance Quote  and  Free Business Insurance Quote.

Discounts are available for Law Enforcement, Fire fighters, Teachers, Physicians, Medical staff, Public Utilities workers, CalTrans employees, PERS members, STRS members, current , retired, or ex-military, Federal,  State, County, and City Employees.  Just let us know which group discount applies to you.

If you have had a DUI, Reckless Driving, or an accident? We can insure you. If you need an SR-22?  We can insure you and provide you and the DMV with an SR-22.

We specialize in affordable, low cost, cheap rates for Homeowner’s Insurance, Car Insurance, Motorcycle Insurance, Life Insurance, Health Insurance, Commercial Truck Insurance, Business Insurance, Surety & Fidelity Bonds, and Specialty Insurance for individuals, families and businesses of all sizes.

We are the Insurance Center for Sacramento and the Northern California region including Folsom, Elk Grove, Rancho Cordova, Carmichael, Antelope, North Highlands, Gold River, Fair Oaks, Woodland, Natomas, Sacramento, Anatolia, Kavala Ranch, Rocklin, Roseville, Lincoln, Loomis, Granite Bay, Galt, Natomas, Davis, West Sacramento, Citrus Heights, Orangevale, El Dorado Hills, Stockton, Modesto, Lodi, Merced, Chico, Bakersfield, Tracy, Antioch, Dixon, Woodland, Fairfield, Vacaville,Vallejo, Marysville, Plumas Lake, Linda, Yuba City, San Jose, Campbell, Los Angeles, San Diego, San Francisco, Long Beach, Fresno, Oakland, Santa Ana, Anaheim, Placer County, Sacramento County, El Dorado County, Yolo County, San Joaquin County, Sutter County, San Francisco, Oakland, San Jose, Santa Barbara, Campbell, Redding, Long Beach, Fresno, Los Angeles, Santa Ana, Anaheim, San Diego, Northern California, Central California, and Placer County, and other cities and counties within California.

Call (916) 984-9320 for a free quote on low cost insurance.

Starting A Family? Consider Life Insurance

Portrait of a happy mature man and woman carrying kids on backTo most new parents, starting a new family with a new baby means figuring out how to live on just three or four hours of sleep and finding what detergent will best remove your babies spit-up stains.

Numerous financial issues will crop up once you have a child but will rarely get the time of day. Many new parents put their family’s long term financial security at risk by avoiding financial issues altogether or by making rash decisions.

Here are some of the biggest mistakes that new parents make when it comes to their finances:

Skimping on life insurance

Lynn Ballou, a financial planner in Lafayette, Calif. states that having enough life insurance is essential once you become a parent. “you have to make sure your dependents will be provided for if one or both parents die”

While you may have some life insurance coverage through your employer, “that’s usually not enough,” Ballou says. “Anyone with a kid these days should at least have a $500,000 policy as a bare-bones minimum,” she says. What’s more, if you are healthy, group policies are rarely any cheaper for you than an individual policy, and they aren’t portable. If you get laid off, you lose your life insurance. “Imagine if you got laid off when you were having medical problems. Getting a new policy would be extremely expensive,” Ballou says. “It’s much smarter to simply get an individual policy.”

How much life insurance do you need? As a rule of thumb, people generally need five times their earnings, plus the total amount of their household debt and enough to cover college tuition for their children, says John Ryan, owner of Ryan Insurance Strategy Consultants in Greenwood Village, Colo.

Don’t forget to run the same calculation for a stay-at-home spouse, whose premature death may mean having to hire full-time child care, Ballou adds.

Term insurance is recommended for most new parents. “It meets most people’s needs,” and it’s the simplest and cheapest kind, says Peg Downey, a financial planner in Silver Spring, Md. A 30-year-old healthy man recently could have gotten a $500,000 term policy from First Penn Pacific Co. for $475 a year, says Ryan, the Colorado insurance consultant. Choose a term that lasts until your dependents are through college and no longer in need of your financial support, Ryan says. And then, be sure your policy has the option to convert to a permanent whole life or variable life policy. That way, if you decide later that you want lifelong coverage, it will be cheaper to convert than to buy a new policy.

You can get life insurance quotes on Barraganinsurance.com, as well as read more about insurance issues and find out if you have enough coverage overall.

Shrugging off disability insurance

Statistically, it is more likely that you will get injured than die while you are in the work force, so Disability insurance is arguably more important than Life Insurance. , because it’s statistically more likely that you will get injured than die while you’re in the workforce. Most employer-sponsored plans will pay you only 60% of your salary if you become disabled. As a rule of thumb, if you’re earning under $100,000, that’s probably enough coverage, Ryan says. “People who earn more usually have the need for a supplemental plan.”

To figure out how much coverage you should have, take a realistic look at your family’s spending.  Get a policy that would enable you to cover expenses and maintain your standard of living if you had to be out of work for a while.

Prices vary dramatically between insurers, but generally, for a 30-year-old male, every $1,000 per month of supplemental coverage would cost about $370 a year, according to Ryan. For a woman the same age, that extra coverage would cost $540 a year.

Buying life insurance for baby

Walk away if an insurer tries to sell you life insurance for your kid.  “You buy life insurance on someone only if their death would create financial hardship,” says Marilyn Capelli, a financial planner in Bloomfield Hills, Mich.

Some salespeople say a lifetime policy on a child is a smart security measure. Those salespeople will tell you insurance would be very costly if your child develops a medical condition later in life.  Their sales pitch will likely include that will also say something to the effect of “at least you will know he will always be insured – so if you buy a policy for less now…” . “But it’s unlikely a healthy child will develop a problem that will last into adulthood,” Capelli says. “And if he did, by then the coverage would probably be small relative to his needs.”

Delaying saving for college

Most parents start worryg aout college tuition when their kids enter high school – by then it is way too late. “The best time to start is when your child is born,” says Dennis Gurtz, a financial planner in Bethesda, Md. There are a couple of attractive tax-free college savings options:

  • 529 college savings plans. You can contribute $25 a month or up to $250,000 each year to these state-sponsored plans. Your money grows tax free as long as it is used for college costs.
  • All states sponsora college savings plan, and each is managed by a brokerage or mutual fund company. The Illinois plan is run by Salomon Smith Barney, and Maryland’s is managed by T. Rowe Price. You can participate in any plan no matter where you live. Your child can attend any school of thier choice .
  • The plans invest your money in a portfolio of stocks and bonds that gets gradually more conservative as your child nears college age.
  • For information on the performance data on 529 plans, see SavingForCollege.com. For a listing of all 529 plans, check out The College Savings Plans Network Web site.

 

Coverdell education savings accounts. Formerly called education IRAs, these let you contribute up to $2,000 a year in a tax-free accounts. The earnings build up tax-free. There are some income limits, however: $220,000 for couples filing jointly, and $110,000 for singles. For more on Coverdell accounts and college planning,

Forgetting what’s most important: retirement savings

Once you’re started saving for your child’s college tuition, it’s easy to shrug off saving for retirement. Big mistake, Ballou says. “Saving for retirement always comes first, college comes second,” Ballou says. “You and your child can figure out other ways of getting through school. It would be worse if your child had to support you during your retirement.”

Max out on your 401(k), 403(b), IRA, or whatever retirement plans are available to you. Stay-at-home parents should sock cash into an IRA. Particularly, look into a Roth IRA. These take after-tax dollars. Earnings inside the account build up tax-free, and, later on, you can withdraw money without incurring taxes. Read more about retirement planning on MSN Money.

Postponing a will

Many parents assume they don’t need a will because they don’t have large estates.  If you have a child, a will is essential to designate guardians. “If you and your spouse die prematurely without a will, a court will appoint guardians for your children,” says Elizabeth Lewin, co-author of “Family Finance.”

Hire an attorney to draft a will (cost: $500 to $1,000) in which you name an executor, who would pay your debts and distribute your assets, and a guardian for your children. “These may be two different people; sister Jane may be a great mom, but she may not be good with money,” Lewin says.

Also, name two backups for both child and money issues, advises Ballou. “What if you want your sister to take care of your kids, but for some reason she’s not able?”

If you have specialized concerns, such as lifelong support for a disabled child, you may want to set up a more complex estate plan that includes a custodial account or a trust.

An alternative is to write your own will using computer software. For more information on these programs, read “12 easy steps to preparing your estate plan” on MSN Money. But, as Ginger Applegarth notes in that article, if your estate is at all complex, you’re probably better off consulting a lawyer.

Overspending on baby costs

The higher your income, the more expensive it is to raise a child. For a child born in 2003 to a family with annual income of more than $65,400 a year, the basic expenses of child-rearing will set you back more than $344,000, according to the U.S. Department of Agriculture. And that’s just until age 18.

While a lot of this spending is necessary, some of it isn’t. Many seasoned parents admit their most irresponsible spending occurred in their children’s earliest years and before they were even born. Who really needs a $500 hand-stitched crib bumper? “New parents think they need everything, want everything to be perfect, and don’t know what things cost,” says Downey, the Maryland planner.

Come up with a spending plan before you start setting up a nursery.  Accept hand-me-downs, and shop at yard sales and consignment and second-hand shops.

Remember that a lot of what you buy will only be used for about a year, sometimes less — especially baby clothes.

Should I Purchase Earthquake Insurance?

Ask anyone who has earthquake damage and the answer is clear.

Here are some of things you should consider before purchasing Earthquake Insurance:

  1. Am I located in an Earthquake zone
  2. Will the premium costs cover “catastrophic damage”
  3. What are the current costs to rebuild my home to my existing home standards?
  4. what deductibles are available for earthquake insurance?
  5. Where do I get earthquake insurance?

These are just some of the questions every property owner should ask prior to insuring their property in the event of an Earthquake. Many people believe that Earthquake Insurance covers all damage to a property, however depending on the policy, that’s not always true. See Earthquake Insurance Frequently Asked Questions

2013 Orange County Chocolate Festival

Do you love chocolate? Want to have your chocolate and eat it too!  Then check out this year’s Orange County Chocolate Festival. The Orange County Chocolate Festival is one of America’s top chocolate destinations where you can enjoy the best creations from what the best chocolatiers and pastry chefs have to offer for you. So it’s true, you really can have your chocolate and eat it too! The event will feature many local vendors as well as different chocolate companies, wine sellers, candy makers, ice cream and gelato vendors, bakeries, coffee, and various boutiques.  Many booths at the festival are there representing local businesses and chocolates from Luisa Chocolatiere, Godiva, Dove Chocolate Discoveries, See’s, M Josephs, Truffly Made, Rocky Mountain Chocolate Factory, Lindt Chocolate, Sueann Molina, Chuao Chocolatier to name a few.

This year the Orange County Chocolate Festival runs on Saturday of October 26, 2013.

The 2013 Orange County Chocolate Festival will again be held at the Grand Ballroom at the Hyatt Regency Orange County located at 11999 Harbor Blvd. in Garden Grove, California.

The 2013 Orange County Chocolate Festival is a fun, charitable event where guests can enjoy chocolates, wine tasting and holiday gift shopping. Exhibitors and caterers will feature scrumptious chocolates, exquisite wines, and fabulous gift ideas for your enjoyment. Also enjoy live music, live cooking demonstrations, vendor attractions, and more. Bring your friends, make it a date to celebrate together.

By attending this fun event, you will help our Orange County Food Bank impact the lives of over 448,000 vulnerable children, seniors and families who live their lives hungry in Orange County every year.  Support Community Action Partnership of Orange County and their Orange County Food Bank by helping people and changing lives.  You can make a difference by caring

For more information on the 2013 Orange County Chocolate Festival   please visit www.OCChocolateFestival.com

Parking

Discounted parking passes are available if purchased in advance.

Tickets Available at the Door

There will be a Box Office on site where tickets can be purchased with cash or a major credit card. Due to high turnout, we recommend purchasing advance tickets online in advance.  You can purchase tickets in advance by going to the attached link http://www.occhocolatefestival.com/tickets.html

Demonstrations Are Free

Watching amazing demonstrations by chefs and chocolate artists at no extra cost!

Contact

714.916.4079

info@OCChocolateFestival.com

www.OCChocolateFestival.com

http://occhocolatefestival.eventbrite.com/

General Admission Information

Chocolate Tasting Ticket

$28.00  – Includes Entrance to Orange County Chocolate Festival and 8 Chocolate Tastings

Online Ticket Puchase:     http://occhocolatefestival.eventbrite.com/

Chocolate & Spirits Tasting Ticket

$38.00 – Includes Entrance to Orage County Chocolate Festival, eight Chocolate Tastings, and 3 Spirits Tastings

Online Ticket Puchase:       http://occhocolatefestival.eventbrite.com/

Orange County Chocolate Festival Saturday October 26, 2013 11:00 AM -6:00 PM  

Hyatt Regency Orange County (Grand Ballroom) 11999 Harbor Blvd. Garden Grove, California, USA 92840

If you are a vendor and need one day insurance for this or any other event contact Barragan Insurance Agency at 916-984-9320 or fill out the quote page at the below link

http://barraganinsurance.com/business/special-event-insurance-quote/special-event-insurance-quote/

2012 Orange County Chocolate Festival

 

Do you love chocolate? Want to have your chocolate and eat it too!  Then check out this year’s Orange County Chocolate Festival. The Orange County Chocolate Festival is one of America’s top chocolate destinations where you can enjoy the best creations from what the best chocolatiers and pastry chefs have to offer for you. So it’s true, you really can have your chocolate and eat it too!  The event will feature many local vendors as well as different chocolate companies, wine sellers, candy makers, ice cream and gelato vendors, bakeries, coffee, and various boutiques.  Many booths at the festival are there representing local businesses and chocolates from Luisa Chocolatiere, Godiva, Dove Chocolate Discoveries, See’s, M Josephs, Truffly Made, Rocky Mountain Chocolate Factory, Lindt Chocolate, Sueann Molina, Chuao Chocolatier to name a few.

This year the Orange County Chocolate Festival runs Friday night and Saturday of November 2nd and 3rd.

The 2012 Orange County Chocolate Festival will be held at the Grand Ballroom at the Hyatt Regency Orange County located at 11999 Harbor Blvd. in Garden Grove, California.

The 2012 Orange County Chocolate Festival is a fun, charitable event where guests can enjoy chocolates, wine tasting and holiday gift shopping. Exhibitors and caterers will feature scrumptious chocolates, exquisite wines, and fabulous gift ideas for your enjoyment. Also enjoy live music, live cooking demonstrations, vendor attractions, and more. Bring your friends, make it a date to celebrate together.

For more information on the 2012 Orange County Chocolate Festival please visit www.OCChocolateFestival.com

Parking
Discounted parking passes are available if purchased in advance.

Tickets Available at the Door
There will be a Box Office on site where tickets can be purchased with cash or a major credit card. Due to high turnout, we recommend purchasing advance tickets online in advance. Tickets purchased in advance are discounted off door prices.  Group tickets are available for purchase for parties of 10 or more by calling: 714 916-4079 . Childen’s tickets are available online for your convenience.  You can purchase tickets in advance by going to the attached link http://www.occhocolatefestival.com/tickets.html

Demonstrations Are Free
Watching amazing demonstrations by chefs and chocolate artists at no extra cost!

Contact
714.916.4079
info@OCChocolateFestival.com
vendors@OCChocolateFestival.com
www.OCChocolateFestival.com

General Admission Information

Chocolate Tasting Ticket

One General Admission to event
– Includes 8 Chocolate Tastings

Online Puchase: $25.00 (Advanced savings of $5.00)
– Tickets are $30.00 at door

Chocolate & Spirits Tasting Ticket

One General Admission to event
– Includes 8 Chocolate Tastings,
and 3 Wine Tastings.

Online Puchase: $35.00 (Advanced savings of $5.00)
– Tickets are $40.00 at door

Kids Zone Tickets

Kids Zone Chocolate Ticket

Kid Zone information:
(ages 5-12 yrs. old)
Parent/Guardian must be in event at all times.
Three hour maximum and space is limited.

Online Puchase:$20.00 (Advanced savings of $5.00)
– Tickets are $25.00 at door

Orange County Chocolate Festival
November 2-3, 2012
7-10pm Friday, November 2 (VIP Party)
11am-9pm Saturday, November 3

Hyatt Regency Orange County
(Grand Ballroom)
11999 Harbor Blvd.
Garden Grove, California, USA 92840

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