Nahai Insurance Services Offers Commercial Property Owners Cost-Saving Real Estate Insurance Tips & Education

Nahai Insurance Services Offers Commercial Property Owners Cost-Saving Real Estate Insurance Tips & Education

Beverly Hills, California (PRWEB) January 28, 2013

Nahai Insurance Services, a full-service relationship-focused independent insurance brokerage and business consultancy, recognizes commercial property owners’ need to find the most affordable, yet reliable real estate insurance available. In efforts to help property owners meet that need, the California-based brokerage is offering some tips and education to help them save on commercial property insurance.

Here’s a glimpse of cost-saving tips Nahai Insurance Services is providing:

    Consider a higher deductible. For most real estate investors, having a higher deductible can create considerable savings on property insurance premiums. Before doing this, consider the level of risk properties are exposed to, such as location, i.e. proximity to crime-ridden areas, or likelihood of major natural disasters. If some properties are more risk-prone than others, consider adjusting the deductibles of each to a comfortable level. And always consult with an independent insurance agent to determine a property’s risk level.

    Insure multiple properties with one company. Owning multiple properties, each with a separate insurance policy or carrier, is not only inconvenient but cost-prohibitive. Bundling those separate policies with one carrier can create savings, as there is usually a discount applied when bundling.

    Invest in premium-reducing improvements. Installing sprinkler and/or alarm systems in all commercial properties may seem like a hefty investment, but when considering the savings it could create in insurance premiums, and even in the safety of occupants, the cost is worthwhile.

Other premium-reducing improvements include: installing fire-resistant interior doors and upgrading plumbing, wiring, and HVAC systems. The construction of a building can also influence premiums. Buildings made out of brick, for example, can be less costly to insure because they are more fireproof.

These are just a few of the cost-saving insurance tips and resources Nahai Insurance Services provides commercial property owners throughout California and other western states. For more information on the services the brokerage provides, call 888-468-7202 or visit

About Nahai Insurance Services

Nahai Insurance Services was established in 1980 as a multi-faceted insurance brokerage, providing comprehensive services in addressing all needs of our individual and business clientele. The scope of our business extends to include risk management, financial consultation, and administrative services, in addition to the placement of risk on a nationwide basis. The firm has grown to become one of the largest brokerages in the region by consistently ranking among firms with the lowest client attrition rates in the industry – many of their original clients remain policyholders 30 years later.

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Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC. Offers Top Five Tips to Save on Car Insurance Offers Top Five Tips to Save on Car Insurance

(PRWEB) November 08, 2012

Many drivers aren’t sure how to go about saving on car insurance. These top five tips from make it simple to get a lower rate right away, and start saving money on any car insurance policy.

1. Shop Around. It sounds simple, but many drivers stick with the same company for years without taking the time to compare rates. Each auto insurance company determines their own rates, so even with tickets or accidents it’s possible to get a lower rate. Online rate comparison websites, like make it easier than ever to shop around, and every driver should take the time to get some quotes when their policy renews. It could mean a lot of money saved on yearly rates.

2. Check the Discounts. Don’t assume that every discount is automatically added to the policy. There are things the insurance company may miss – or that they don’t realize should be added to the policy. If the car has a new anti-theft system, or if a new driver qualifies for a good driver or good student discount, but the insurance company doesn’t know then they can’t add the discount. Ask for a current list of available discounts and go over the requirements for each with your insurance professional. It’s the best way to make sure every discount applicable is being used.

3. Change the Deductible. A higher deductible, especially on collision coverage, can mean lower insurance quotes. Many drivers are scared off by the idea of having to pay more in the event of a claim, but the reality is that the collision deductible only applies in an at-fault accident, and after a few years without one, the extra cost of the deductible could have been easily paid for by the savings on the premiums.

4. Combine Policies. Many people have their home insurance with one company and their car insurance with another. They don’t realize that by having both policies with one company, they can reduce the rates on not just one of them, but both policies. This discount on both home and auto insurance is often one of the largest available and saves drivers and homeowners a lot of money. And it doesn’t have to be a homeowner’s policy; many companies offer the discount with renters insurance as well.

5. Pay in Full. Many car insurance companies may actually offer a lower rate to drivers who pay their premium in full on renewal than to those who choose to pay in installments. Monthly payments often come with fees as well that are charged on each installment. Paying the whole thing up front is a quick and simple way to pay less for car insurance.

“We’ve expanded our offering to US residents,” states Tammy Ezer of, “to help save more drivers money on their insurance rates. By following these five savings tips and getting online insurance quotes using, drivers will likely see a big difference in their rates.”

About: is a free online insurance rate comparison service that directs consumers to its large network of more than 30 insurance companies and licensed insurance professionals and provides quotes based on the lowest rates available through its network. In business since 1994, does not sell insurance, is not a licensed broker, and is not owned in whole or in part by an insurance company, agent or brokerage; ensuring consumers get a truly unbiased quote.

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Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

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Landlord Tips to Lower the Cost of Investment Property Insurance

Article by Alan Kappauf

Investment properties can be a good source of income even in a less-than-ideal economy. A great way to maximize your profit is to keep the cost of owning the property down. One area to scrutinize is your property insurance policy. Since insurance premiums are usually higher on a rental home, it makes sense to try for the lowest rate possible and still get the coverage you need. Here are some strategies for saving money on investment property insurance.

One of the best ways to save money on insurance is to shop around for the best coverage at the lowest price. Try to get at least three quotes from different insurance companies, and if possible, try to speak with an agent personally, rather than just looking at figures on the internet. Some companies specialize in working with rental properties, so you may want to compare their rates with those of standard insurance companies.

Another way to lower insurance costs is to look for a higher deductible. Going from a 0 to ,000 deductible can make quite a difference in monthly premiums. So, you’ll want to get the highest deductible that you can safely afford.

Also, be sure to inquire about any discounts the company offers. For example, insurers will usually lower premiums on houses with safety features such as smoke and carbon monoxide detectors, deadbolt locks, sprinklers and alarm systems. Certain types of roofing materials may qualify for discounts if they can withstand hail or wind damage. There may also be discounts for certain types of tenants. For example, people that are home more often, such as retirees or stay-at-home moms, may be a deterrent to burglars. They are also more likely to stop or report a fire than tenants who are often away from home. Also, be sure to check for multiple policy discounts if you own more than one property. If you haven’t filed a claim in a while, check to see if the company will lower your premiums for this reason.

Additionally, check to make sure that you are only insuring your property’s value and not the value of the actual land it is built on. For example, land is unlikely to be stolen or damaged, but your property might be. Also, make sure that you understand what you are being charged for. A policy that covers the actual cash value will pay only the cost of rebuilding at the current market value, while a policy that covers replacement costs will pay for the full cost of rebuilding the property.

Credit scores may also determine your cost, since some insurance companies will give lower rates for higher credit scores. Therefore, be sure to maintain good credit, and keep track of your credit score. Another thing to remember is that as a property owner, you do not need to insure your tenants’ personal belongings. Check to see if this option can be excluded from your policy and recommend that tenants purchase their own renter’s insurance.

The bottom line is that by looking at all of your insurance options, you may be able to save money in the long run and maximize your profits. Good luck!

About the Author

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