Resources
Practical guides from Pledge Insurance to help you understand coverage, file claims, and make informed decisions.
Independent agencies like Pledge work for you — not for a single insurance company.
When you buy insurance through a captive agent, you typically receive quotes from one carrier. An independent agency represents dozens of insurers and can compare options side by side.
Read guide →Steps to protect yourself, document the scene, and start the claims process.
First, make sure everyone is safe and call 911 if anyone is injured. Move vehicles out of traffic if possible without leaving the scene.
Read guide →Standard home insurance excludes flood — here is what California homeowners should know.
Most homeowners policies cover sudden water damage from a burst pipe, but rising water from storms, rivers, or overwhelmed drainage is considered flood damage and is excluded.
Read guide →How COIs work and why landlords, clients, and vendors request them.
A certificate of insurance (COI) is a summary document proving your business carries liability and other required coverages. It lists policy numbers, limits, and effective dates.
Read guide →Understand the summary sheet that lists your coverages, limits, and deductibles.
Your declarations page (or “dec page”) is the front summary of your policy. It lists named insureds, property addresses, vehicles, coverage types, limits, deductibles, and premium.
Read guide →Extra liability protection beyond your auto and home policies — who needs it and how much.
Umbrella insurance adds a layer of liability coverage above your auto and homeowners limits. If you are sued for a serious auto accident or an injury on your property, underlying policies may not be enough to protect savings, future earnings, or real estate.
Read guide →Why most employers need coverage, what it pays for, and how to stay compliant.
California law generally requires employers to carry workers compensation insurance — even with one part-time employee. It covers medical care and partial wage replacement when workers are injured on the job, and it protects employers from many lawsuits by injured employees.
Read guide →Homeowners policies exclude earthquake — options through the California Earthquake Authority and private markets.
Standard homeowners insurance does not cover earthquake damage. In Southern California, even a moderate quake can damage foundations, chimneys, and interior finishes — repairs that can cost tens of thousands of dollars without coverage.
Read guide →