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Alta Vista Insurance Agency

2585 Pio Pico Dr, Suite 100
Carlsbad, CA 92008

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Who should get a health insurance plan in Vista?

If you are in the Vista, CA area, there are many forms of insurance that you should consider obtaining. One of the most important forms of coverage to consider getting is health insurance. This coverage can help ensure that you have access to affordable healthcare. There are several situations when someone here should get a health insurance plan. 

When Looking for Access to Care

The main situation when someone should get health insurance is when they are looking for access to affordable care. Seeing a doctor, getting prescription medication, and receiving more significant medical care when needed is important. If you have a health insurance plan, you will have access to affordable care when you need it. This can help to save you money and stay healthy.

When Looking to Comply with Law

While it is important to have health insurance to ensure you have access to care. You may also need coverage to comply with the law. For the past several years, all people have been required by law to carry health insurance. If you do not have evidence of coverage throughout the year, you could be penalized. These penalties are frequently applied at the end of the year when you file a tax return and need to provide evidence of coverage. 

Having health insurance in the Vista, CA area is always critical. As you are looking for a health insurance plan, you will quickly find that there are many options to consider. If you are in the market for a new health insurance plan, calling Alta Vista Insurance Agency can be very helpful. The Alta Vista Insurance Agency team understands the value and importance of this coverage and can offer the support you need to choose a new policy. 

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Required Auto Insurance in California

In California, everyone must register their vehicle within 20 days of coming into the state. And it has to be insured at all times. This required insurance includes several different types of insurance coverage for motorists. However, all of the required coverage still leaves some gaps, and many vehicle owners choose to add to the minimum required insurance.

Liability Coverage

Part of the required coverage for vehicles is liability coverage. This includes a required minimum amount of coverage for bodily injury liability for one injured person in an accident that you caused. There is another higher amount required for all of the injured people in an accident that you caused. In addition, there is property damage liability coverage required for damage that you cause to another party’s vehicle or building during an accident. However, all three of these numbers are relatively low, and it’s a good idea to get more coverage than just the bare minimum for liability coverage. 

Uninsured Motorist Coverage

If you were in an accident that a motorist causes without auto insurance, uninsured motorist coverage pays for the resulting bills up to its maximum. This coverage includes a required minimum for each person who is injured in this accident. A higher amount is required for everyone who has a bodily injury from an accident. This coverage also includes a small amount required for property damage when an uninsured motorist causes damage to your property. 

Get Your Auto Insurance

No one wants to get a ticket and fees, so it’s important to keep auto insurance at all times. If you need auto insurance, contact us at Alta Vista Insurance Agency in Vista, CA.

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Life insurance FAQs

When it comes to life insurance, most people don’t think much about it until someone brings it to their attention. For many people, that is when you find out you are getting some through your employer as a benefit. When you decide to start thinking about the future and creating a financial plan to get you there, life insurance may fit that plan. Having a financial advisor or a trusted insurance agent is a good place to start. At Alta Vista Insurance Agency in Vista, CA, we are a full-service independent agency. 

When should I start buying life insurance?

The obvious answer is as soon as you can afford it. The younger and healthier you are, the less you will pay for a policy. If you are buying term insurance, you should buy a term long enough to get you through the years when you will have the greatest need. Whole life lasts for your whole life, but it will be priced best if you take out the policy when you are young. 

What other benefit does life insurance have beyond the death benefit?

If you have a whole life policy, it accrues cash value. If you need it, you may be able to borrow against that cash value. You may also be able to use the cash value to pay the premium if you are going through a tough time. 

Do I need to buy life insurance if I get some from work?

This is a thorny question, and the answer is probably yes. You may not be getting as much from work as you really need, and if you change jobs, you may not be able to take your life insurance with you. Having your own life insurance will guarantee you are never without coverage. 

Contact Alta Vista Insurance Agency in Vista, CA for your life insurance needs. 

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What You Need To Know About Home Insurance

Owning your own home provides a great feeling of accomplishment and security. Your home is probably one of the biggest investments you will make in life. Not only is it a huge financial investment, but your house also holds great sentimental value as being the place your family calls home. For these reasons, as well as others, your home must be properly insured. At Alta Vista Insurance Agency, serving Vista, CA, we take great pride in educating our clients and future clients on these important insurance topics. Keep reading to find out what you need to know about home insurance. 

Why Is Home Insurance Important?

Because your home is such a huge financial investment, there is much at risk if your home becomes damaged or unlivable. If your home sustains damage due to fire, natural disaster, or burglary, you could find yourself in a financially vulnerable position. Home insurance is set in place to defer this financial vulnerability so that you and your family can recover from a disaster. 

Beyond the risk of damage, there is also the risk of someone being injured in your home or on your property. If this happens, you could be held liable for their medical expenses and possibly legal expenses in some cases. Insurance can also protect you in these situations. 

What Does Home Insurance Cover?

Home insurance will cover:

  • Property damage – If your home is damaged due to fire, natural disaster, or burglary, your policy will pay to have your home repaired or replaced or your possessions replaced in the case of burglary. 
  • Liability – If someone is injured on your property, liability will pay for medical expenses or legal expenses. 

If you would like to learn more about our services, please contact Alta Vista Insurance Agency, serving Vista, CA today. 

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Is Commercial Insurance Always a Smart Investment?

Commercial insurance is always a smart investment. This applies whether you’ve owned a company for the past 30 years by building it from the ground up or you’ve just entered the market as a business owner. No matter the industry your company operates in, it’s imperative to understand the risks you could potentially face and how to protect yourself from those risks. Here at the Alta Vista Insurance Agency, serving the Vista, CA area, we have helped thousands of business owners just like you with all of their commercial insurance needs. Here’s a quick look at one of the top reasons you need to consider commercial insurance as always being a smart investment.

You Might Get Sued

You can do all that you can to provide the utmost care and attention to your customers. You can even go out of your way to ensure they get the best customer service ever. However, if a customer chooses, you can get sued. Take, for example, that a customer comes onto your business premise and slips and gets injured. Do you have the monies to pay for the injured person’s medical expenses? Do you have monies to help cover any pain and suffering compensation owed to the injured person? With commercial insurance, you can rest assured that you will have a policy in place that protects you in this type of instance.

To understand how commercial insurance works and the type of policy you need, it is highly recommended that you speak with a qualified and experienced agent. Want to learn more now? Give us a call here at the Alta Vista Insurance Agency, serving the Vista, CA area.

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Putting People First

Putting You First

We start by putting your needs first. You can always contact us and we will promptly resolve your issue. We are structured as an inverted pyramid, we put all our clients needs on top. We volunteer in our community to give back, and provide annual policy reviews to our clients to stay connected with you. The job of your agent is to know and understand your unique situation and needs. We provide a comprehensive needs based analysis of your risks and exposures, identify your unique situation, risk tolerance, and then finally provide a proposal to offset undesirable risk to one of our trusted insurance providers. We would love your feedback. Let us know how we are doing.

VIP Service

You are not a policy number. When you call us, we will identify your account by your name. You are the reason we are here. We are here to help protect you. We provide valuable insight into risk management strategies and the ever changing insurance product landscape. We strive to become your trusted insurance adviser. Let’s talk about your hopes, your dreams, and your future, and then let’s make a plan together to get you there.

24/7 Online Service

We live in a connected world. This is the 21st century. You want 24/7 claims and customer service. But you don’t have to choose between either local personal service, or a large call center. Now, you can have it all. We offer 24/7 online policy access and online carrier direct personal claims filing. For those times you don’t want to talk to somebody, you can login and view your policy, request coverage changes, download ID cards and get quotes online with our online client center.

Local Professional Agents

When you do want to talk to someone, we are here for you. You have a personal and professional dedicated account manager that gets to know you and your situation. We can easily advise you on changes in the insurance market place. We have both, personal local agents and online policy access to best meet your busy lifestyle. As your insurance agent we are here to help you asses your risk, minimize your exposure, and manage your insurance spending, both on premiums and retained risk. Meet one of our agents today!

Partner Testimonials

That is enough of tooting our own horn. Learn more about our trusted business partners have to say about us, and read some clients testimonials. Then, when you are ready, we look forward to working with you too.

Next Steps

Now that you know a little bit about us, it’s time to take the next step and tell us a little bit about you. Start your online needs based analysis today.

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What to look for in an Insurance Agent

When picking an insurance agent it is important to know who your agent represents. Some insurance agents are what are called “captive” agents. Captive agents work for the company they represent. Some examples of companies captive insurance agents work for are AllstateState Farm, or Farmers. Captive agents are limited to only offering products to you that are offered by the company they work for, whether or not that product is the best solution for your unique situation.

An independent insurance agent works for you, not the insurance company. Independent agents are free to find a policy that best fits your needs no matter which insurance company is offering the coverage. Independent agents really do work for you, not the insurance company. They are free to offer multiple policy options side by side for you to review. When the insurance companies compete for your business, you win.

The agents at Alta Vista Insurance Agency are proud to be your local independent insurance agents. We are located in Vista California and strive to be a local independent resource for you, our clients. Our staff is your team, and we are here, ready, and able to provide responsive customer support to our neighbors throughout San Diego County. We primarily serve Vista, Oceanside, San Marcos, Escondido, Rancho Bernardo, and Poway. Please feel free to contact us for your insurance needs.

Contact us today to learn more about how we can service your California insurance needs. We look forward to hearing from you!

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3 Tips to Avoid Expensive Auto Losses

Do you have employees driving for your business?

Check out these tips to ensure you experience the fewest auto losses possible:

  1. Develop a system for hiring
  2. Provide Driver Training
  3. Supervise Effectively

Looking for an outline of how to put these things in place? We gotcha covered.

By systematically managing your drivers with a program that works for you and your employees and practicing the same steps for each hire, you’ll save yourself a lot of headaches.

1. Develop a System for Hiring

Find ways of hiring qualified, positive, competent candidates.

Ideas include: anticipate job openings to reduce a rushed hiring process, consider applicants’ history of stable employment, check their MVR, and publish the opening in as many different places as possible.

This will help you acquire the largest pool of candidates, giving you your choice!

The Hartford Financial Services also suggests including a few tests in the hiring process.

Not sure how to regulate or plan these tests? Check out the free resource from Hartford, one of our preferred vendors.

Hartford Financial Services created this incredible resource which includes: Driver Employment Application, Driver Evaluation Form, Driving Test Evaluation Form, Road Test Evaluation Form (with tips!), a Vehicle Collision Form,  Supervisor’s Vehicle Collision Form, AND Vehicle Condition Reports (truck, van, automobile). Click here for free access to a systematic way of hiring!

2. Provide Driver Training

Using a combination of a basic overview of any equipment employees will use, mentorship, supervision, consistent group meetings, and self-teaching, new employees’ training and road to excellence (no pun originally intended) will hasten.

3. Supervise Effectively

Create and outline goals. Make them measurable and attainable! 

Motivate employees with clear, concise instruction

Measure work and any important data

Review goals regularly to adjust the plan or motivate change.

Evaluate every driver’s success and safety. Discuss any driving problems that arise with that employee.


Why do all this? 

Avoiding auto losses on a fleet will save money, improve company morale, and increase productivity.


For more expert info, watch the Commercial Auto part of our video series on Contractors Insurance. Click below!

Get More Out of Your Commercial Auto Policy


Resources: The Hartford Financial Services Group, Inc.

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3 Things Home Buyers Need to Know About Insurance

Before purchasing a home there many variables to consider. One thing you want to be sure about is your protection for your assets. Here are a few things for first-time home buyers to consider when they reach the insurance inquiry stage in their real estate purchase.

1) Compare multiple insurance companies

Compare coverage, price and financial stability. You are not required to buy from a particular insurance company, however you want an insurance company that is stable and responsive when handling claims. Shop for value, not price. Customer service and ease of doing business are key when selecting an insurance company that is right for you.

Your mortgage lender can, and probably will, require you to have homeowners insurance.You aren’t required to buy from a particular insurance company. Instead, compare coverage, price and customer reviews. Be sure you get the right type and amount of coverage. Shop for value, not necessarily rock-bottom price. Since you’ll mainly deal with insurance companies during times of disaster, make sure the company you choose has great customer service reviews.

Home insurance is not as hotly price-competitive as auto insurance, but you can still save from hundreds to more than $1,000 a year in premiums by shopping around. About 9 percent of our survey respondents had switched insurers in the previous three years, mostly because they got a better price from their new carrier. And those who switched for a better price were just as satisfied with their later claim payments as those who stayed put. Residents of California, Florida, New Jersey, New York, Texas, and other states whose insurance departments publish rate comparisons for standardized coverage can zero in on the lowest-priced insurers and then contact them for custom quotes. If your state doesn’t offer such guidance, contact an independent agent who sells insurance from multiple carriers.

2) Set up your payment out of Escrow, and use an Impound Account

If you’re like most homeowners, you’ll tack monthly insurance payments onto your mortgage check. The lender will pay your insurance premiums (usually your property taxes, too) out of your escrow account. Lenders prefer this option because it lets them know your insurance premiums are being paid, and their investment is well protected. Most likely, you’ll need to pay for one year of insurance at closing. Bring information about the insurance policy you have chosen and the money to cover the first year’s premium.

3) Look at Bundling and Saving

Consider buying your homeowners and auto coverage from the same company for as much as a 30 percent savings. Discounts are also available if you add more policies, like a motorcycle, watercraft, or personal umbrella. If you experience a significant loss, like a fire or storm, that is covered by your homeowner policy and have other policies that are affected, like an auto or motorcycle, the carrier may waive all deductibles after the home policy deductible is paid. Contact me and we can conduct a needs based analysis to identify your possible exposures and ways you can maximize your insurance protection while reducing your out of pocket expenses.

Purchasing a new home in California? Click here to get more information!

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Property Claims and Your Real Estate Transaction

When your clients buy a home, are they purchasing the dreamy future they hope for, free from property claims?

Would you like to know early on (before you put in heaps of effort) how to avoid issues with your real estate transaction?

Wouldn’t you like to give your clients peace of mind?

Alta Vista Insurance provides our real estate partners with one thing that limits complications during and after the sale.

Click Here for Smoother Transactions

For uninformed home-buyers, future property

claims can tack on an unexpected and

unavoidable price tag.

Because a home’s future relates to its past, requesting a free CLUE© report from Alta Vista Insurance Agency will save you and your clients time, money, and worry. Sellers can authorize the release of a C.L.U.E. report as part of the negotiations for the home purchase.

What is it?

C.L.U.E., the Comprehensive Loss Underwriting Exchange, is a loss history information exchange provided by LexisNexis® Risk Solutions Inc. Insurance companies access and use prior loss information in the underwriting process through it. Think of it as “the cloud of claims.”

Where is the information from?

Each month, participating insurers submit loss information to the C.L.U.E. information exchange, which is loaded to the C.L.U.E. database. When you or your insurance company receive a C.L.U.E. report, it includes all losses accessed by the search criteria that were reported to us within seven years of the date of the request. Home warranty claims are not included on a C.L.U.E. report.

How to read the CLUE© report

  1. First, look for claims associated with the address your client is looking at. The report can sometimes show claims filed on another location owned or occupied by the seller. So if the owner has a palace in Pakistan and a town home in Carlsbad, check the address. The sandstorm is definitely unconnected to the Carlsbad address.
  2. Beware of claims frequency rather than severity. Frequent claims indicate a potential ongoing problem your client could inherit. Water losses, mold, fires occurring in the home (not wildfire), and theft or burglary. These types of losses could indicate morale hazards or the home could be in a questionable area.


Buyers and sellers need to be aware of how changing guidelines can affect them when purchasing new insurance or when selling their home. Effective this year, many admitted insurance carriers will decline a risk if there has been a significant water loss (inside water damage, not weather-related) on the property within the last 3-5 years. This would include damage exceeding $2,500. Be aware that typically, losses follow the homeowner who filed the claim, impacting their cost of insurance or insurability when moving to a new location. However, some claims losses in the past cause new homeowners to inherit high insurance costs. Due to the rise in frequency and extensive costs resulting from water damage claims more and more companies are looking at water losses in new business and declining.

In these situations, your client’s insurance costs will go up, potentially making or breaking their willingness to move forward on the purchase.

The cost of the damage is important and can indicate the severity of the incident and the amount paid by the insurance company for the loss. Accidents happen. Just because a property has been impacted by a large claim or series of claims does not mean your client should avoid buying that house. Review the report together and request a disclosure from the sellers about how the claims were resolved. Were all repairs completed and was everything built back to code? Was the home replaced with like kind and quality?

Talk to your insurance agent about the loss(es) that were filed, how the insurance companies handled the claims and how this will impact insurance for the home moving forward.

Call us today as we have access to specialty markets and will find a solution to insurance issues like these.

A smoother real estate transaction is always possible when you partner with Alta Vista Insurance.


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