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
Tempering your Earthquake Insurance Premiums
Private Flood Insurance Policies Accepted by Mortgage Banks
About Us
Client Alert:
Centene Completes Acquisition Of Health Net

There are no changes in costs for 2016 that will effect the existing customers. However some changes can be expected later.

Call us today at 650-328-1000 for more info.
Our Team:
Steve Fox
Steve Fox
Mimi Watson
Mimi Watson
Scott Chin
Scott Chin
Ron Young
Ron Young
Contact Us:
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'
April 2016 Newsletter!
Client of the Month
Ronald L. Bland of AEIS Advisors

Lic # 0682487

650.348.6234 x12

306 6th Avenue, Suite B
San Mateo, CA 94401

Ron is one of the most accomplished insurance professionals in the Bay Area with over 25 years of experience in insurance services. Ron's ability to understand the business owner's perspective allows him to create plans that maximize coverages while limiting unnecessary costs to the client. His achievements in the insurance industry are numerous as he is on various Agent Input councils and an exclusive member of the Million Dollar Round Table which includes having achieved the top of the table status (top 1% of all life/health agents).

He was born in the Bay Area and attended Mill's High School. Ron attended San Francisco State University where he graduated with honors. Ron lives in San Mateo with his wife Elaina and their two beautiful children.

We would welcome the opportunity to earn your trust and deliver you the best service in the industry.

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' Giants Tickets.

March 2016 Winner
(from 164 client respondents) for a pair of FREE tickets to Giants Game

Ernie and Gail Solomon
(longtime customers)

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

Tempering your Earthquake Insurance Premiums
Consequent on the shakes in 2014, in Napa Valley, geologists predict that when the “Big One,” an 8 on the Richter scale, hits California, the devastation will be the worst in the history of California quakes. Given the high risk factor, the percentage of homeowners who have earthquake coverage are as low as 12%, which is in itself a major disaster. CEA has been improving ways and means to make Earthquake insurance more affordable. Here are 3 solutions to help reduce your earthquake premium costs.

1. Check Your Earthquake Coverage: The largest coverage of Earthquake insurance is by CEA.

2. Negotiate the Premium: Don't go along with the high price of premiums quoted. There are various ways in which you can reduce cost of premium. Retrofitted homes fetch a 5% discount, homes with wooden frames and homes constructed after 1979 attract a lower premium. Check to see what other possibilities are there.

3. Examine your Earthquake Coverage: Check to see if your earthquake insurance covers your personal belongings.

For more details, call us today: 650-328-1000.

Private Flood Insurance Policies
On March 02, 2016, the House Finance Services Committee approved the Flood Insurance Market Parity and Modernization Act (H.R.2901), which states that private insurance will be treated equivalently to federal flood insurance, and such coverage can be provided to cases where the homeowners have federally backed mortgages.

This new legislation defines a flood insurance policy issued by a private company as acceptable, if the private insurance company is licensed, admitted, or otherwise approved, in the State where the insured property is located. Even a non-admitted insurer will qualify.

Moreover, with the private companies entering the market, consumers will now have a variety of products to choose from, apart from realizing considerable savings from private flood insurance. Presently, private carriers offer flood coverage to commercial flood policies and additional flood coverage to homeowners.

Call Insurance by Allied Brokers, at 650-328-1000 or visit our website:

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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