Insurance by Allied Brokers
Solving Clients' needs since 1954
Please visit our FaceBook page. It would be great if you can hit the 'Like' button to follow our posts, and help us get our numbers up.

If you are happy with our services, please review us on Yelp.
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
A Cautionary Tale for Clients Skipping Travel Insurance
Consequences of Undervaluing Homes
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'
June 2016 Newsletter!
Client of the Month
Dr. Azeem K. Lakha
Dr. Scott C. Baird

Oral Surgery & Implantology in Palo Alto

650.328.6622  |  |

720 Cowper Street  |  Palo Alto, CA 94301

"Dr. Azeem Lahka did tooth removal and implant for me last year. He was also referred to me by our client and my general dentist Wayne Cruthcher. Azeem and his team did a great job! It was comfortable, easy and almost painless. Things could not have gone better! I would recommend them to all my friends, family and clients. We always strive to work with Allied Brokers clients whenever possible." ~ Chris Grammar

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.

May 2016 Winner
(from 163 client respondents) for a pair of FREE tickets to Giants Game

Lisa Larrimore Ouellette

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

A Cautionary Tale for Clients Skipping Travel Insurance
Your health insurance doesn’t cover the cost of air ambulance or many other costs when out of the country. Protect yourself and your loved ones when out of the country. You can purchase this coverage for as many days as needed or for frequent travelers annually, from us or your travel agent.

Ontario Health Minister Eric Hoskins said last week that the case of a Toronto mother of two stranded in a foreign hospital while her family and friends struggle to raise $50,000 to pay for an air ambulance home proved the need for travel insurance.

The uninsured traveler, Elissa Antonio, was visiting family in Trinidad when she fell 40 feet down the side of a cliff. Her pelvis was broken in several places in the fall; she also suffered a fractured sacrum, broken heel, and fractured leg.

"I cannot move the lower part of my extremities," Antonio told one media outlet from her hospital bed in Trinidad.

"I have to be fed, changed, given a bath. All these things that we take for granted."

Now Antonio needs an air ambulance for transport home, which comes with a $50,000 price tag, as local doctors have said they cannot treat the complex fractures.

Call Ron Yong at 650-328-1000 for a free quote.

Consequences of Undervaluing Homes
A new survey finds that 60% of homeowners are underinsured.

Choosing the proper building limit on your homeowners insurance is the homeowners’ responsibility. We advise a minimum of $300 per square foot for all bay area homes. Homes over 3000 sq. ft. or with unique features are usually much more. Ask your contractor for advice on the rebuilding cost of your home and let us know if you want to increase your coverage.

Factors that contribute to being underinsured;

1. Guaranteed replacement cost is a thing of the past. Our policies usually include 150% extended replacement cost coverage. This means you have a 50% safety cushion should costs be higher than normal. Some policies are as low as 120%.

2. After a fire loss rebuilding costs are usually 20% higher than new construction. Demolition and hazardous waste disposal are very expensive.

3. Building supplies and contractor prices can fluctuate wildly when there is a catastrophe like the Oakland fire in 1990 and the recent Lake and Butte fires.

Call us for a free review at 650-328-1000.

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.

Insurance by Allied Brokers is a Sponsor of:

Note: Please do not use this email to communicate transaction related queries or
other financial matters relating to your account with Insurance by Allied Brokers.