Click to Call
Alta Vista Insurance Agency

2585 Pio Pico Dr, Suite 100
Carlsbad, CA 92008

Get Directions

Home Insurance when purchasing a property

Before purchasing a home, consider these variables as you reach the insurance inquiry stage.


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.

Shop for value, not price.

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. For all cash purchases you are not required to provide insurance for the closing but it’s a good idea to purchase home insurance for peace of mind.

Most likely, you’ll need to pay for one year of insurance at closing, as lenders prefer this option.

3) Look at Bundling and Saving

Consider buying your homeowners and auto coverage from the same company for as much as a 30% 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 us 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.


Read More

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.


Click Here for Smooth Transactions


Read More

We’re the key to making your real estate transactions run smoothly!

Real estate agents have a lot of contacts.

Normally, they refer their clients to a preferred mortgage adviser. They also have a preferred escrow company representative they use for all of their transactions. Same goes for the home warranty company and the title insurance representative. One thing missing from a lot of real estate advisers’ business plan, however, is an insurance adviser.

By incorporating an independent insurance adviser into their business plan, real estate agents can close more transactions throughout the year.

Also, they can ensure those transactions run smoothly and efficiently so their clients are able to close escrow on time and have a pleasant experience through the buying process.

Real estate agents sell more than property; they sell lifestyles.

By incorporating home warranty, escrow, mortgage, and insurance into an integrated business plan, real estate agents can offer their clients the concierge-level service they expect.

At Alta Vista Insurance Agency, we specialize in real estate transactions. We’re focused on the actual transaction and understand the deadlines and the challenges that need to be overcome to help the client close escrow successfully. Along with the mortgage company and the escrow company, we all work together as a cohesive unit behind the scenes for the real estate agent to make sure their clients go through escrow smoothly and efficiently, and that they’re satisfied with the level of service they receive.

Go to our website today to get started in our real estate process where you and your client gain access to a FREE CLUE© report, and we ensure you’re getting the lowest rate and highest quality service.  

Real Estate Agents, Click Here!

Read More

Check out our partner spotlight in San Diego Real Producers Magazine!

In April our agency was featured in San Diego Real Producers Magazine as their partner spotlight. It was a lot of fun! The article gave us a chance to tell our story. We are so gracious for the opportunity to work with some of the top producers in the real estate industry helping them reach new heights with their businesses! Huge thanks to Jessie Wright, Zach Cohen, and Sterling Photo.

For those of you that didn’t get a chance to see our article in San Diego Real Producers Magazine, here is a link to the full article San Diego Real Producers Magazine Partner Spotlight.

“We’re taking a different approach when it comes to insurance… fully embedding ourselves in the real estate industry so we can help our partners.”

“Our marketing message to business partners is ‘let us show you ways that we as an agency can help grow your business and close your transactions. By adding us to your affiliate network, we’re going to be able to help you get more opportunities.”

“We’ve taken on a slogan, ‘Helping You Reach New Heights.’

By shifting the focal point to how he can help our partners achieve their own business goals and build their customer relationships, Seth has helped Alta Vista Insurance build their referral network, leverage more consistent business relationships and continue to grow. As Seth explains,

“it’s not about us. It’s about how we can help you.”

Looking to find out how we can help you protect and grow your real estate business?

Learn how we can bring massive value to your brand.

Build Your Brand


Read More

Going On Vacation? 10 Tips To Prepare & Protect Your Home

The season for a sunny vacation is on the way! If you plan on leaving your home unattended for more than 24 hours, consider these tips.

1) Turn off your water

This one only applies if you are not hiring a house sitter. We have heard many stories of our insureds coming home to two weeks of water build-up and months of rebuilding they need to start.

2) Stop newspaper delivery

A pile of yellowing newspapers on the doorstep is a movie cliché for a home that’s unoccupied. Stopping the newspaper when you leave town for a while is an easy detail to forget and one that will make you a sure target. If you’re still reading newsprint, make sure you stop service when you leave on vacation.

3) Keep eyes on your property

Even if you stop newspaper delivery and mail service, there are still some gotchas that can make it obvious that you’re not around. How about those fliers that peddlers leave on your doorknob, or those periodic yellow page book deliveries? Because you can’t plan for every contingency, have someone in the area check your house periodically. Whether it’s a neighbor or relative, nothing beats having a person check the premises every day or two while you’re gone. Hey, while they’re there, they can water the petunias.

4) Make your home look lived in

An occupied home looks lived in. Lights go on and off, and cars come and go. When you’re away, everything stops. To help create the illusion that the residence is still occupied, invest in timers that turn on the interior lights for a few hours every evening. If you can get a neighbor to take out your garbage and put the cans back after the garbage pickup, it’s another way to send the message that everything is proceeding normally at your house.

5) Keep landscape trimmed

If you’re a diligent homeowner who mows his lawn every week, and things start to look overgrown and neglected, it’s easy to come to the conclusion that you’re not around. If you plan on being away for an extended period of time, hire someone to take care of the landscaping chores in your absence.

6) Hire a house sitter

The best way to make sure your house is safe while you’re gone is to have someone you trust still living in it. You may be lucky enough to have a tidy and conscientious relative who’ll move in temporarily and water the plants, feed the pets and pick up the newspapers. If not, there are services you can use for house-sitting and pet-sitting while you’re away. This can be a pricey option, but it’s a solution that touches all the bases.

7) Don’t project your moves

Show some caution when you talk about your trip. Your blog isn’t the best place to announce that you’ll be away from home for a month. Being aware of who’s around when you discuss your trip in restaurants and even at work isn’t a great idea either. Make sure your children are discrete , too. No one is saying that you should be suspicious of everyone you meet, but even a chance remark has the potential to lead to unintended and unfortunate consequences. The less information you put out there, the less likely it is to reach the wrong ears and eyes.

8) Pull the plug on electronics

Disconnecting the power to some of your electronics, like your desktop computer, coffee pot and television can save you money while you’re gone and eliminate the worry that you’ve accidentally left them on by mistake. Turning off your garage door is also an effective way to keep thieves from opening it with a universal remote. Oh, and don’t leave a portable GPS in your car when you use long-term parking at the airport. It’ll alert thieves that you’re not home and give them a convenient map to your house.

9) Hold your mail

When you’re leaving for more than a couple of days, call your local post office to stop mail delivery until you get back. They can hold mail from three to 30 days. In many locations, you can even submit a stop mail request online. Just enter your address and stop and start dates. This is a free feature courtesy of your friendly United States Postal Service. #murica

10) Install added security features

Installing a home security system or even just exterior lights that run on timers is a good way to ramp up security around the old homestead and make your house safer whether you’re around or not. One of the nice things about these features is that they’re working when you’re awake, asleep, on vacation or hosting an outdoor barbecue. They fade into the background as far as you’re concerned, but still make your property less attractive to opportunistic thieves.

Read More

Buying a home in SoCal? Is your insurance agency dragging its feet?

When you buy a home, so many services are needed: home inspection, pest control, escrow, and on and on. Sometimes home owner’s insurance gets pushed to the back of your mind, but it’s necessary in order to mortgage a home. Here in Southern California, home owner’s insurance has become especially tricky; the San Diego wildfires of 2008 have prompted some insurance companies to dramatically increased the premium and even consider some areas uninsurable. Some of the bigger agencies such as State Farm and Allstate are not issuing new policies in certain zip codes. And when you’re on a tight deadline, any delay in getting insurance can be extra costly. But some qualified, well-rated, albeit smaller insurance companies are willing to work in these areas. Alta Vista Insurance Agency has built relationships with mortgage companies, escrow services, and real estate brokers here in our community to help home buyers achieve a successful close of escrow. If you’ve discovered that your insurance provider won’t produce a certificate of insurance in a timely manner, call us–we will get it done. When the timeline is tight and you’re looking to close, we do what it takes to get you what you need. Learn more » 

Read More

Contents Insurance

Many homeowners wonder if their homeowners insurance covers contents. Our answer is yes! As a part of your homeowners insurance, your policy provides protection for all of your personal property and contents. Your Kemper policy also has replacement cost on your contents, which is very important. This insures all of your belongings for full replacement value than the depreciated value of the items. If you have any target items such as jewelry, artwork, antiques, etc. these particular items should be added as scheduled personal property. We can always add coverage to the policy. Contact us if you have any questions!

Read More

Offering a variety of solutions for Southern California’s diverse needs

At Morgan Hege Insurance, we know Southern California real estate. One of the major concerns here is fire hazards. Most of the regions in the Southern California are in a high or high brush area, and that poses several challenges when it comes to insurance, especially since insurance has recently become a more important part of the real estate transaction than it used to be. Recent changes have made the insurability of a property one of the most important things when it comes to ownership. Agents and insurers must be aware of brush hazards and certain additional hazards in low-lying areas. Morgan Hege Insurance assists agents by providing them with not only our knowledge and expertise in regard to doing specific underwriting—we will work with agents and their clients to provide them with the proper policy they need for the property. We are a full service, independent brokerage. We work with most of the top companies here in Southern California, so we can provide clients with the best coverage and also find them the best rate for their premium dollar. We also have the ability to find the carrier that has the proper coverage to fit areas with very specific challenges, like high brush or mountain hazards. We can accommodate luxury homes and elegant homes, and we also have other specialty markets for properties in farm areas or with prior loss history. Working with Morgan Hege Insurance gives you the advantage of our expertise in real estate transactions. We have the available markets to offer clients a variety of solutions for to cover all types of risks and lifestyles found in Southern California.
Read More

4 Common Misconceptions about Flood Insurance from Homeowners

4 Common Misconceptions about Flood Insurance from Homeowners

According to an article from Property Casualty 360, the amount of rain or snow falling from the top 1% of intense storms has increased in every region. Add to that the problem of antiquated infrastructures and sewer systems plus overbuilding and dwindling wet spaces, and the threat of flooding can affect anyone, anywhere. From 2008 to 2012, the average residential flood claim amounted to more than $38,000, according to the National Flood Insurance Program (NFIP). Yet most consumers don’t know what they can do to protect their homes and belongings against a flood event. Top misconceptions about Flood insurance

  1. “I don’t have to worry about flooding because I don’t live near a body of water.”

Haven’t you been watching in the news about random flooding in places like Arizona and Nevada? Standard NFIP policies cover damage from overflow of inland or tidal water, unusual and rapid accumulation or runoff of surface waters from any source, and mid flow.

  1. “I don’t qualify for government flood insurance because my property isn’t located in a flood plain.”

NFIP can provide coverage available to any homeowner, regardless of their location, through two separate client segments: standard and preferred (B, C and X zones), and high-risk locations (A and V zones). Carmody estimates that 25% of all flood claims come from preferred or standard locations.

  1. “I can’t afford flood insurance.”

In NFIP’s standard and preferred areas, annual premiums can start as low as $415 a year for $250,000/$100,000 in coverage.

  1. “I already have homeowners’ insurance, so I’m covered if my house floods.”

In the deluge of claims following Super-storm Sandy, many policyholders did not know that their homeowners’ coverage did not include flood. Let Alta Vista Insurance Agency walk you through the process of how a flood policy works. Although the standard homeowners’ policy does not cover overflow of inland or tidal waters, it does include coverage for damage from cracked pipes or other internal systems failure, he says. Additionally, sewer backup coverage is available by endorsement. See? There aren’t any more excuses to avoid flood insurance. Call us (888)724-2124 and we can work up a quote in minutes.

Read More

Disaster Preparedness- Keep your property safe!

Many people in America don’t consider the occurrence of a disasters happening in their life. Then, when disaster strikes, we are left flabbergasted by the damage done to our property. Here are three tips to help secure your property before disaster strikes:

1. Calculate the value of your belongings! Most people don’t think to add up the cost of all of their clothing and other minor things, but every little bit counts!

2. Note your electronics serial numbers! Televisions, gaming consoles and tablets, amoung other things, are a major target for burglaries today. One in every 36 homes in amaerica will be broken into this year. Record your electronics serial numbers. This way, if they are stolen, the police will be able to find your stolen property.

3. Secure your documents outside the home! Today, digital filing is the way many insurers prefer to store their documents. These files are just as vulnerable as any analog files kept in a home or office. In case of a natural disaster, secure your valuable documents on a flash drive or another storage device like a security deposit box.

4. Photograph all of your belongings! The truth is, we don’t know every little thing that is in our closet, and it is hard to always keep filing the price and brand of shirt or a new piece of jewelry.Along with filing your documents, keep a file on your flash drive and on your computer with pictures of the brand and price tag of each item. This will provide an accurate amount to keep on record in case of disaster.

Read More