McCarty Insurance Agency

Disasters like wildfires leave indescribable anguish behind when they occur in any neighborhood. They can destroy millions of acres of property in a state like California, leaving tens of thousands of people homeless. If you have homeowners insurance and happen to lose your home due to a fire, additional living expenses coverage can temporarily help you get by as your

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If you own several properties, or if there are multiple houses on your property, a homeowners insurance policy may not provide the protection you need against perils such as fire. Dwelling fire insurance policies cover properties that are not your primary residence. This includes investment homes such as rental properties and vacation homes. How Dwelling Fire Insurance Is Different from

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Any business, no matter the size, can experience an insurable incident at one point or another. Some incidences result in liability claims and lawsuits that could cause significant financial losses to any company. Read on to learn the importance of including liability coverage in your business insurance policy. What Is Business Liability Insurance? This policy pays for costs arising from

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The ongoing COVID-19 pandemic has caused significant problems for many businesses. Some business owners have ceased operations completely. Luckily, there is a solution that should be explored before it’s too late. Here is a look at how business interruption insurance can protect you from losing your business during COVID-19. Does Business Interruption Insurance Cover Losses Caused by COVID-19? Business interruption

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With about 85% of homeowners in the U.S. carrying homeowners insurance coverage, home insurance claims are common in the U.S. For instance, in 2018, about 5.7% of policyholders filed a home insurance claim, according to the Insurance Information Institute (III). Take note that before you receive compensation for an insured loss, your insurer may require you to cover a portion

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Sports cars are some of the most expensive automobiles in the U.S., thanks to their unique design, high-quality materials, lightweight, modern technology, and high speed. Consequently, it generally costs more to insure sports cars than ordinary cars and vehicles. It is worth noting that the actual cost of sports car insurance in Fresno, CA varies depending on factors such as

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As you fill out your insurance quote form, your insurance company collects information that they use to estimate your risk profile and determine your car insurance rates. Typically, a high-risk profile means higher insurance costs and vice versa. Therefore, if your car insurance premium quote is unusually high, it could be that the data collected by your insurer indicates that

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In the US, road traffic crashes result in about 4.4 million emergency department visits and over 38,000 fatalities every year, according to the Association for Safe International Road Travel (ASIRT). If another motorist crashes into your car, you should file a car insurance claim with the at-fault driver’s insurer. However, while the other person’s insurance company will process your claim,

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Fake insurance coverage is one of the different types of life insurance fraud you should watch out for as a potential policyholder. There are fraudsters out there that pose as legitimate insurers or insurance agents. Usually, they defraud people by taking money for premiums on non-existent health plans. These scammers may sell policies at rates that are considerably lower than

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If you’re looking to purchase your first automobile ever, you may be wondering, “How does auto insurance cover new car owners for third-party accident damages or bodily injuries?” You must start by carefully researching your specific car insurance requirements. In all states, it’s illegal to drive without insurance or some form of proof that you’re capable of compensating any victim

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