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Beissel & Cobb Insurance Services, Inc.

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2038 Corte Del Nogal #152
Carlsbad, CA 92011
(760) 471-1468
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May agency promotion
As an agency we are committed to supporting our local community.  We support our community through our service projects, volunteering efforts, and donations.  In April for every new policy written a donation was made to the Helen Woodward center in the name of the policyholder....
Insure to Value
The idea of insuring to value is straight ahead, insure your property to the limit that is needed to repair/replace the property.  The problem is that the replacement value of your property is not determined until after a loss has occurred, and there can be ide variations in the estimated cost to rebuild your property....
Commercial Coverage Recommendations
Commercial insurance is fundamentally different from Residential Property in that with most insurance policies there is no extension endorsement available.  Residential carriers often offer extended replacement cost endorsements with options of 25% and 50% available....
Extended Replacement Cost
In California insurance carriers offering residential property coverage (home) must disclose the different options available.  The primary options are: Guaranteed Replacement Cost - there is not a limit on how much the carrier will pay to rebuild your home....
Certificate of Insurance / COI
There is often great confusion regarding a Certificate of Insurance (COI) around what it actually does and what people assume it does.  A COI is NOT an insurance contract.  A COI provides no rights or guarantee of coverage to the COI holder.   A COI provides zero certainty that a claim will get paid....
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