Insurance by Allied Brokers
Solving Clients' needs since 1954
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Insurance by Allied Brokers
"If we are less than perfect, call me and
I will do whatever I can
to make it right."

Chris Grammer
Chris Grammar
In this Issue:
Client of the Month
We Appreciate Our Customers
Know Your Insurance before Remodeling
You May be insured, But Where is Your Pre-Loss List?
About Us
Customer Alerts:
Obamacare 2015 Rate Increases

We expect rates to increase for individual and group medical plans in the high single digits. The companies do not have enough data on the effects of the ACA because they were required to file rate requests in May 2014. This means they only had 3 months of data to come up with rates.

How will the ACA effect rates? Will offering free and subsidized insurance to everyone including people that were previously ineligible for coverage due to serious health condition raise or lower overall insurance rates? Common sense says rates should skyrocket. This is a political football that is being pushed as far out as possible. Probably past the 2016 election.

ACA is great for hospitals because many of the the previously uninsured or uninsurable will now be back stopped by the taxpayers and the healthy insured's. On the downside they will see lower reimbursement rates for services.

Any major rate increases will be pushed out to 2016 at the earliest. Keep your existing plan as long as you can, it will have lower rates and better providers lists.
Contact Us:
Steve Fox
Steve Fox
630 Cowper Street
Palo Alto, CA 94301
P: 650-328-1000
F: 650-324-1142
Open M-F 8:30-5pm
LIC# 0525309
Welcome to Insurance by Allied Brokers'
September 2014 Newsletter!
Client of the Month
European Car Repair, LLC

275 N. Fair Oaks Ave.
Sunnyvale, CA 94085

Email  |  Website

Since 1972, European Car Repair has been servicing, maintaining, and repairing high-performance and luxury cars for customers across the San Francisco Peninsula. Located at 275 North Fair Oaks Avenue right off of Central Expressway, European Car Repair is easy to find. Our highly trained and experienced service technicians are knowledgeable and truly care about the cars they service.

Would you like to increase your exposure to potential customers? Let us feature you on the Insurance by Allied Brokers website as 'Customer of the Month'. This way, visitors to our website will see your advertisement and respond to the discounts or special deals you offer.

Do you want to be our 'Customer of the Month' or be included in our 'Client Referral Network'? Call 650-328-1000 or send us an email to

Customer Appreciation Drawing for FREE Tickets

You have supported us all these years and we want to say thanks by offering you a chance to win a pair of 'Club Level' Sharks tickets.

August 2014 Winner
(from 107 client respondents) for a pair of FREE tickets to Giants Game

Kama & Thomas Fletcher

This month's drawing is for FREE tickets to a Sharks Game!

Know Your Insurance before Remodeling
Homeowner's insurance is not the most exciting of subjects. Home renovation is much more interesting. The home is a focal point in our lives and anything that makes it better is fascinating. But remodeling and insurance are very closely linked and to ignore the insurance issues involved with home remodeling is to court disaster. With every good thing that a remodeling can achieve, there is also the potential for things to go bad. Insurance is your protection when things go wrong. Normal homeowner's insurance will not provide the coverage needed when major remodeling is underway. For example, if 50% of your home is destroyed because of a remodel going bad, the homeowner's policy will only cover the part that is intact. You should have a builder's risk policy to cover the cost of what needs to be rebuilt. read more...

Insured? Where is Your Pre-Loss List?
Every homeowner knows about the importance of homeowner's insurance. But how many know about the importance of having an inventory of their possessions? According to available statistics, while over 90% of homeowners are concerned about having the right insurance coverage, just about 40% have ever documented the contents of their homes. And how current those lists are is anyone's guess.

Ask an insurance broker and he will tell you that a policy holder making a claim along with a pre-loss list of items that have been destroyed or stolen is very rare. more...

About Us
Insurance by Allied Brokers has been meeting the insurance needs of Bay Area individuals, professionals and businesses for over 50 years. Our clients depend on us to provide them the best insurance options and the most cost effective coverage. Because we represent the leading insurance companies in the nation, we can find the right insurance solution for every client and every contingency. We focus on giving you the right policy at the right price, so that you can focus on your life and your business.

Visit our website at to see what we can do for you. The 'Contact Us' page provides all the information you need to reach us. Or call toll free at 1-888-505-7988.

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