About Tony Bozzuto

Understanding Your Home Insurance Deductible

There are a few things to consider before setting your home insurance deductible amount. By keeping these things in mind, you’ll have the right home insurance deductible for your budget.

What is Workers Compensation Insurance and What Does it Cover?

Many of the insurance plans or policies that a company purchases are to protect the business. Workers Compensation insurance is specifically to protect the workers. Not only is it a good idea to protect your workers,

Auto Insurance Made Easy (Your FAQs answered)

Homeowners Insurance Made Easy (Your FAQs answered)

How Umbrella Insurance Can Protect You & Your Family

Renters Insurance Made Easy

Condos Insurance Made Easy

The Importance of a Home Inventory Checklist

Protecting Yourself Against Identity Theft

Whats Not Included in a Standard Homeowner’s Policy

Selecting the Appropriate Liability Coverage

How to Protect Your Most Treasured Possessions

Earthquake Insurance FAQs

How to Save Money On Your Auto Insurance

How to Save Money on Your Homeowners Insurance

What To Do In An Accident

Your Annual Insurance Review

Flood Insurance Made Easy

Business Owner Policy

The Value of Working with an Independent Insurance Agent

How Life Insurance can Protect your Family from Financial Hardship

How Life Insurance can Protect your Family from Financial Hardship

How Mortgage Protection can Protect your Family from Financial Hardship

How Life Insurance can protect Young Families from Financial Hardship

How Life Insurance can protect “Stay at home” Mothers

How Life Insurance can help protect Working Fathers from Financial Hardship

Term vs Permanent Insurance

How Much Life Insurance Do You Need?

Cómo Proteger A Su Familia De Dificultades Financieras

Seguro de Vida Temporal vs Permanente

Preguntas Frecuentas De Seguros Para Inquilinos

Lo Que No Está Incluido En La Póliza De Propietario De Vivienda

Beneficios del Seguro Sombrilla

Preguntas Frecuentes De Seguros De Propiedad

Información Genérica Para Autos

La Selección De La Cobertura De Responsabilidad Adecuada

Cyber Attacks are Skyrocketing, Is Your Business Protected?

What type of insurance does a Street Sweeper company need?

After getting properly licensed in your industry, getting insurance is one of the most important aspects of running a business, especially a street sweeper company. It is important to have the best insurance portfolio to meet your business’

What you need to know about Boat Insurance

Whether you already have your dream boat or you’re in the market for a new watercraft, make sure you have the proper coverage in your boat insurance policy. Many boat owners are surprised to learn that their homeowner’s and/or auto insurance plans do not cover their boat!

The rundown on solar contracts

Maybe you’ve already figured out the cost of a solar power system and now you’re wondering if you should buy, lease, or get a PPA contract. Well, we will give you the lowdown on solar contracts so that you can make the best decision for your situation.

How to get rid of common household pests naturally

Get rid of common household pests naturally without harsh chemicals.

Keeping teens safe in cars

Driving courses teach the mechanics of driving, but there are some more areas that need to be considered to keep teen drivers safe behind the wheel.

How to get a low rate for a CSLB bond

Learn how to get the lowest CSLB bond rates for your California construction company.

HVAC Contractor Bonds and Insurance

Whether you’ve been in the HVAC business for years or just starting out your HVAC contractor business, you need to have contractor insurance to protect your business. And in California,

Solar Marketing and Sales Tips

With spring around the corner and the sun beginning to shine more, people are thinking about the sun. And that’s a good thing for your solar contractor business. So before you roll out your next advertising blitz,

To Solar or Not To Solar

With the recent 5 year renewal of the US Energy Tax Credits, solar is as popular as ever… maybe even more. And for good reason. There are some benefits to installing solar panels on your home that are just too good to pass up.

Are Home Improvement Contractor’s Bonds Necessary?

If you’re in California, the short answer is a resounding… YES!

If you’re a contractor…

In order to become a licensed contractor in California, the CSLB (Contractors State License Board) requires contractors to be bonded.

Life Insurance = Love

Life insurance may not be the most romantic gesture of love, but it is one that protects those you love when you are no longer able. A life insurance policy can show those you love that you are still thinking of their best interests at a time when they will need support most.

Winterize Your Car

If you haven’t already done so, now is the perfect time to prepare your car for winter, especially if you plan on taking advantage of recent snowfall in the mountains.

Construction outlook for 2016

Growth for contractors and builders is expected to continue through 2016. In fact, 2015 was the highest record of construction demand since 2008. With a continuing decline of the unemployment rate,

Home Maintenance Checklist: Month by Month

The easiest way to prevent major problems is with regular maintenance. We’ve made it easy for you with our month-by-month home maintenance checklists. For more detailed explanations about each of the items,

Be Prepared for Tax Season

If you’re like many people, the new year brings on a sense of urgency to get one’s life in order. Along with resolutions to improve one’s health, getting yourself fiscally fit is often on top of the list of New Year’s Resolutions.

Tips for becoming a solar contractor in California

There is no doubt that the solar contracting business is booming. In fact, the SEIA (Solar Energy Industries Association) predicts that there will be a 25% – 50% solar market growth for 2016 with the largest growth being seen in the employment sector.

Have a happy pet this Christmas

During the festivities, it’s easy to overlook some hidden dangers for our pets. We’ve put together a list of pet safety tips for Christmas. While keeping these safety tips in mind, you can have a happy and healthy pet this Christmas!

What type of insurance does a California plumbing contractor need?

Protect your business, your client and yourself with proper insurance for plumbers and plumbing contractors.

Travelling with kids this holiday

Here are some tips for travelling with kids for Thanksgiving, Hannukah, Christmas, or anytime really!

Tips to think about before opening a bar or restaurant

Before you think about opening that bar or restaurant of your dreams, make sure you know what you’re getting yourself into.

Tips for Hosting Thanksgiving

It’s hard not to love a holiday centered around food and being thankful. Whether you’re having just a few of your closest friends or family over or what some might consider a block party,

Tips for becoming an electrical contractor in California

Becoming an electrical contractor in California is a wise decision for many. Here are some tips for your electrician business.

Creative ways to keep your home safe at Halloween

Halloween safety doesn’t have to be scary. Here are some creative ways to keep your home safe this Halloween.

Checklist for starting a contractor business in California

If you’re starting up a construction contractor business in California, this contractor checklist will help you get started.

Tips for preparing for a successful trade show

Some people love them, some people loathe them. Either way, a trade show can be a tremendous public relations (PR) opportunity, if you’re prepared. There’s more to exhibiting at a trade show than just having an amazing booth.

5 Things Every Company Should Know about Sexual Harassment

With the number of sexual harassment cases on the rise, tackling sexual harassment in the workplace can seem like a pretty daunting process. But it doesn’t have to be.

1 out of 3 businesses will have to deal with a sexual harassment claim

Big or small,

September Home Maintenance Checklist

Now that the dog days of summer are behind us (theoretically), it’s time to start thinking about preparing for the cooler weather that will be arriving soon. Although with the scorching heat this past week,

What insurance does a startup need?

Maybe you’ve come up with an amazing product that everyone will need, or maybe you’ve finally decided to go into business for yourself. Whatever the reason is for starting up a new company,

Different Types of Business Insurance Policies

Whether you’re a large corporation or a small business, having the right insurance policies in place is essential to allow for smooth operations. With the myriad of policies available, determining which are right for your company can be daunting.

Tips for adding a teenage driver to your auto insurance policy

Here are some tips for getting low cost car insurance for your teen driver.

Frequently asked questions about truck insurance

Get the answers to some of the most frequently asked questions about Commercial Truck Insurance.

August Home Maintenance Checklist

If you’ve got school aged children, then you’re probably right smack dab in the middle of the going back to school craze. If not, hopefully you’re getting a chance to enjoy this wonderful,

Do I need rental car insurance?

You’re at the car rental desk and the clerk implies that you need to get the car rental insurance provided. You wonder, “Do I really need it?” For the most part,

July Home Maintenance Checklist

Summertime = sun + fun + relaxation. Maybe you’re enjoying some time away from home or maybe you’re enjoying a “staycation”. Either way, summertime is a good time for certain home maintenance items.

Tips to get cheap commercial truck insurance

The words “accidents can happen” often strike fear in the most experienced commercial truck drivers. Sadly, those words are true. Your best bet to relieve that fear is to make sure you are covered without spending more than you need to.

How often do I need to renew my business bond?

While a California construction license renews every two years, a bond is dependent on the contract set forth by the bond company. More often than not, bond cycles are different than the license cycles.

4th of July Fun & Safety

It’s that time of year, the time we all take a day off from work and our regular routines to celebrate the birth of our nation with family and friends.

Keep your construction business safe from subcontractor defaults

Even though you probably have already developed sound business practices that help identify qualified subcontractors, sometimes a project requires an even higher level of risk management.

Tips to get good insurance rates for bad drivers

Bad driver? Did your insurance carrier drop you? Don’t worry. There are still ways to get good auto insurance rates.

June Home Maintenance Checklist

Summer is almost here! Now is the right time to take care of some of the outside work around your house before it gets too hot and prevent any further damage from the hot weather that is on its way.

Steps for Contractors to get bonded in California

The process of getting bonded in California doesn’t have to be a complicated process. With the help from a professional, getting a California Construction bond is easy.

Is Your Family Secure?

Having the right insurance insurance policies will help keep your family secure and give you peace of mind, too!

May Home Maintenance Checklist

Monthly maintenance items for May to keep your home running smoothly.

Auto/car maintenance checklist

Regular maintenance will help keep your car in shape and reduce repair costs. Here’s an auto checklist to make sure your car is in working order.

Difference between Surety Bonds and Insurance (and Why You Need Both)

Whether you’re just starting your own business or your company has been around for years, if your company enters into contracts for construction, manufacturing or supplies, then chances are your company needs to be bonded.

We have insurance, is a construction bond necessary?

The answer is a resounding YES. Besides the fact that is illegal to be a licensed contractor in California without an active contractor’s license bond, having a bond is beneficial to your company.

April Home Maintenance Checklist

April home maintenance tips means it time to start checking off items on your spring home maintenance checklist. As the weather turns nicer and you’re looking to head outdoors, don’t forget to keep up with your home maintenance.

Keep Kids Safe Around Cars

When you think about kids and car safety, most people think of car seats. However, there are other dangers that even the most careful driver can overlook. Over 840,000 people are injured in other “Nontraffic”

Emergency Room Alternatives

alternatives to the emergency room that can save you time and, quite often, money.

Are you scared to retire?

If you’re like an increasing number of Americans, worries about retirement are probably keeping you up at night. And it’s no surprise, now that we’re living longer, that the money required to retire comfortably is increasing.

March Home Maintenance Checklist

Got the spring cleaning bug? Even if you don’t, it’s important you keep up with your monthly maintenance to keep your investment sound.

The Do’s and Don’ts of Life Insurance Exams

Ever hear the stories of how some healthy individuals failed their life insurance medical exams? Or that the cost of their life insurance skyrocketed after their exams? Well, it happens more than you think and it usually can be avoided.

Don’t get robbed when you’re buying a car

Maybe you’ve been dreaming of owning a mustang since you were in high school, or maybe you’ve been keeping your eye on that new Porsche that just came on the market,

More Americans are extending their life insurance past age 65. Are you?

Years ago, when the retirement age was pushed to 67 from 65 there was quite a bit of uproar. However, the reasoning for this was that individuals are living longer.

February Home Maintenance Checklist

Do you love your home? The best way to show the love is to keep it in good working order. We’ve put together a checklist that will keep your home love flowing,

Easiest way to save money on monthly car insurance and homeowners insurance premiums

Think it’s hard to get cheap auto insurance in California? How about inexpensive homeowners insurance in Sacramento? You could find it easy to save money on your insurance, if you follow these tips:

Shop around

Buying insurance from the first place you find doesn’t make much sense when the internet makes it so easy to comparison shop.

Don’t let winter storm damage leave you out in the cold

It’s winter! It’s cold (or maybe not)! While we enjoy beautiful weather for the majority of the year here in Sacramento, California, winter storms can still take us by surprise.

Resolutions or Lies to Yourself?

New year is a time for a new start. If you are ready to make some real changes rather than just lie to yourself, here are some tips to keep you focused on some common resolutions.

January Home Maintenance Checklist

New year, new home? Well, maybe not. Maybe your new year’s resolution is to get your house in order. While organizing your home is definitely a project worth undertaking, don’t forget to keep up with its regular maintenance.

Get your home ready for cold weather

Winter storms are already here. Do you have your home ready for cold weather yet? If you have a house, hopefully you have already completed the December Home Maintenance Checklist.

You might be able to save money if you’re storing away your boat, bike, car or RV for the winter.

Here are a few steps you can take to save money on insurance premiums if you store away your boat, motorcycle, auto, RV, or antique car for the winter

December Home Maintenance Checklist

With Hannukah and Christmas shopping and preparations, December is a non-stop month for many people. But don’t forget about your home. We’ve got a checklist to keep your house in order.

Monthly Home Maintenance Items

Monthly home maintenance checklist

What insurance does a self-employed person in Sacramento need?

So you made the jump to go into business on your own. Now you might be wondering if you’re protected. That’s where self-employed insurance comes in. Luckily, we’re insurance experts,

Thanksgiving Travel Tips

Turkey, stuffing, pumpkin pie, family, and friends are the first things that come to mind when it’s Thanksgiving time. If you’re hosting the big dinner, you’ve probably started getting your plan ready.

How to get cheap car insurance in California

Getting a cheap car insurance policy doesn’t mean you don’t get quality, you just save money. Here are some tips to get a cheaper auto insurance policy in California.

Carry a high deductible

An easy way to get a lower rate is to carry a higher deductible.

November Home Maintenance Checklist

November is one of the busiest months, mostly because the weather and time changes are a good reminder to do certain items. For your convenience, we have turned this checklist into a PDF for you to print out.

Halloween Tips for Homeowners

As fun as it is getting dressed up (or at least seeing the little ones dressed up) on Halloween, it’s easy to take some simple steps to keep safe!

10 Tips for Homeowners

Whether you’re a new homeowner or you’ve had your house for years, here are some tips to keep your home in tip-top shape.

1. Don’t ignore maintenance issues

It’s easy to get caught up in daily life and put off those repairs,

Tips to reduce construction injury claims in California

Sadly, each year thousands of employees die while on the job, millions are injured and tens of thousands die or are incapacitated due to workplace related illnesses. It is probably no surprise that many of these incidents occur in the construction industry.

Car insurance rates expected to decline drastically with driverless cars

Driverless cars are coming. What does this mean for insurance premiums?

If your health plan is changed or cancelled

Updated May 2016

Back in 2014, with the passage of “Obamacare,” a lot of plans were grandfathered in (meaning they could keep their plans exactly as they are provided they met certain requirements).

Health Insurance FAQ

What is a PPO? What is a HMO? Can I see a provider outside of my network? What is a deductible? Read this Health Insurance FAQ to learn these and other frequently asked health insurance questions.

Business Expansion

The Bozzuto & Co. Insurance Services welcomes Jeff McNaney & Mary Ann Vosika.

The Bozzuto & Co. Insurance Services welcomes Jeff McNaney and Mary Ann Vosika to provide financial services to our valued clients.

California’s Best Homeowner Insurance

If you’re a homeowner, you’re probably wondering what’s the best home insurance policy? Well, the answer is simple: the best one is the one that’s best for you. Not all policies are created equal and a more expensive policy does not always mean more coverage, just like an inexpensive policy may not cover everything you need.

5 Tips to reduce insurance premiums

It seems like around every corner are rising costs. Here are 5 tips to help save you some money on insurance premiums.

10 Water Saving Tips

Saving water is easy with these 10 water saving tips. Do your part during this California water drought.

Protect your home from storms

Summer is a great time to take a few steps and get your home ready for the inevitable storms that will be coming as many contractors usually have reduced rates for the summer months when demand is low.

What Does Contractors Equipment Insurance Cover?

Equipment Categories

Coverages available through the Contractors Equipment Floater Program include:

• Owned Equipment
• Office Equipment
• Unscheduled Equipment
• Extra Expense

Eligible Contractors

• Air Conditioning
• Carpentry
• Carpet/Furniture Cleaning
• Concrete Construction
• Door,

What Is A Contractors Equipment Insurance Floater?

Business owners often do not realize that their business personal property coverage is limited to fixed locations specified in the policies. If you own equipment that moves between job sites or other locations,

Builders Risk & Installation Floaters – The Basics

Learn what Builders Risk insurance is, what installation floaters are, why you need them for your next construction project.

What Is Excluded Or Covered?

Excluded Property 
 
Property excluded under builders risk policies and installation floaters vary from one insurer to another. 
 
The following properties may be excluded:

• trees,

Tire Safety: Everything Rides On It

Studies of tire safety show that maintaining proper tire pressure, observing tire and vehicle load limits (not carrying more weight in your vehicle than your tires or vehicle can safely handle),

What To Do If You Have A Blowout On The Highway

Having a flat tire when driving is always a problem. But experiencing a flat or blowout while traveling on an interstate highway or other high-speed roadway can present special dangers.

Be Tire Wise

Be TireWise, because the only thing between you and the road are your tires.

Yearly estimates back up that statement. On average:

• Drivers in the United States put more than 2,969 billion miles on their tires,

Benefits & Resources

OSHA’s Free On-site Consultation Program

OSHA’s free On-site Consultation Program offers free and confidential advice to small and medium-sized businesses in all states across the country, with priority given to high-hazard worksites.

Compliance Assistance Specialists (CASs)

Who are Compliance Assistance Specialists and how can they help me?

Compliance Assistance Specialists can provide general information about OSHA standards and compliance assistance resources. They respond to requests for help from a variety of groups,

OSHA: On-Site Consultation

Program Information & Benefits

Using a free consultation service largely funded by the U.S. Occupational Safety and Health Administration (OSHA), employers can find out about potential hazards at their worksites,

Creating an emergency plan

Make a plan

The first step in creating an emergency plan is to think about what types of emergencies are most likely to occur where you live, such as earthquake,

What kind of insurance coverage does an auto repair shop need

As an automotive repair shop, you help keep your customers on the road. As insurance agents, we help keep you in business. As any of your customers can tell you,

Social Host Liability

Be a Responsible Host When It Comes to Serving Alcohol at Parties

Whether you are hosting a Super Bowl party or greeting the New Year with friends in your home,

Holiday Party Etiquette: A Good Host Is a Responsible Host When It Comes to Serving Alcohol

Thanksgiving marks the beginning of holiday season and for many that means party time. But hosts who serve alcohol should take steps to limit their liquor liability and make sure they have the proper insurance,

Is Your Company Hosting A Holiday Party?

The upcoming winter season is a time for holiday office parties and charity events. While gatherings can provide opportunities for professionals to mingle casually with their co-workers and clients and can help boost employee morale,

Starting a Family? Get Insured!

Starting a family is very exciting and can be a bit overwhelming, if you are stilling adjusting to the idea. One of the easiest things you can do to add a sense of security during this unpredictable time is to review and update your family insurance portfolio.

How Do I File A Business Insurance Claim?

When a fire, accident or theft occurs at your business:

• Contact your insurance agent and company right away. Any burglaries or theft should also be reported to the police immediately.

What insurance does a college student need

College is an exciting time for any student and the last thing on anyone’s mind is preparing for unexpected events. Luckily, we’re here to help you ace this test!

Your home is probably your most valuable asset – Make sure it’s protected with homeowners insurance!

If you’re like most home-owning Americans, then your house is your most valuable asset. Having a proper homeowners insurance policy is essential to protect you from the unexpected.

Most people are looking for the best deal that covers all their needs.

What type of insurance does an apartment owner need?

Whether you’ve owned an apartment building for decades or you just bought one, having a proper insurance portfolio will help protect your investment.

So you have an auto insurance policy but are you completely covered?

Often, when people sign up for auto insurance, they specify that they want full coverage, thinking that it means everything is covered regardless of what happens. Unfortunately, it doesn’t. Full coverage means that your insurance policy meets the minimum liability requirement as set forth by your state

What does Renters insurance cover and do I need it?

When most Americans think about what insurance they need, health, auto insurance and homeowner’s insurance are right at the top of the list. But most renters are under the illusion that they don’t need Renter’s Insurance.

An umbrella will protect you from more than just rain

You know the saying “when it rains, it pours?” Well, when things go wrong, you’re going to want some extra protection. And that’s where an umbrella policy comes in handy.

Planning for the unexpected

Most people don’t have enough savings to cover the damages from the unexpected. Luckily, there are a variety of insurance policies that can help lessen the burden when the unexpected happens.

Life insurance isn’t just for old people

Are you young and healthy? Think you don’t need life insurance? Well, chances are you probably do. Here’s why…

Am I eligible for California Good Driver Discount?

Are you a good driver? Learn if you are eligible for the California’s Good Driver Discount.

Life insurance for retirement income

In addition to protecting those that depend on you, Life Insurance can provide an opportunity for some needed income in your retirement years.

Liability vs. Comp & Collision: What’s the difference in coverage?

Liability vs. Comp & Collision: What’s the difference in coverage? You may have more questions on what’s right for you.

Get fiscally fit this year

Less than 50% of Americans have taken the proper steps to become financially secure. Are you one of them? Here are a few tips to get you started on your path to financial security and being fiscally fit.

Do I need Earthquake Insurance in California?

If you live in California, then the possibility of another earthquake is pretty much guaranteed. If your home is an investment that you can’t afford to lose, then not getting earthquake insurance in California is like rolling the dice.

3 California Business Insurance Mistakes You Don’t Want to Make

Have you considered your options for small business insurance? California offers some special challenges for the business owner, with its fast-paced business climate and its beautiful but sometimes dangerous natural environment.

Mistakes in Auto Insurance: California Residents Pay Dearly

Are you losing money to your car insurance policy?

As you send kids back to school and young adults off the college, you may find yourself examining your auto insurance policy for money-saving options.

The Best California Home Insurance and More

Finding California home insurance that fits in your budget and provides total peace of mind can be a difficult task. You need to find an insurance broker that can provide both – as well as take care of your other insurance needs,