Category Archives: Insurance

Getting Renters Insurance may actually save you money!!

We hope you had a great Fourth of July Break!

This past month we had a client who was interested in getting renters insurance for her apartment here in Santa Cruz. She already had an existing set of policies including her Auto through Farmers. By receiving Renters Insurance, this qualified her for a new discount on her auto policy. The quote on a Renters policy was about thirty dollars a month which when combined with her new discounted auto policy and with switching to auto-bill pay actually more than covered the cost of her new renters insurance.

She essentially got free renters insurance, and all it took was about a fifteen minute phone call. Now if there’s a fire in her apartment, her personal property is covered and Farmers will pay for her to have a temporary residence in a motel if she needs it.

It’s not about just getting cheap or premium rates, here at Russell Holcomb’s Farmers Insurance we want you to have SMARTER Coverage that gives you peace of mind.

Rideshare drivers- We’ve got you covered!

Ride-hailing services such as Uber, Lyft, and Sidecar are becoming more and more common on the streets today. It is such an easy and smart way to get around especially when you need to get to a busy city center with no parking, or if you’ve had one too many drinks to drive safely for the night. Something that may not cross your mind while hailing a ride is that every driver needs to be insured. Ride sharing companies are required to insure their drivers during what they refer to as “period two” and “period three”. Period two is when they are on their way to pick up a passenger, and period three is when they have a passenger in their vehicle. But what about “period one,” when the driver is waiting for a job? It can be a scary and vulnerable time for the driver since they are practically a sitting duck in that moment.

Well now Farmers has a solution! We can offer affordable coverage for drivers who work for rideshare companies. Insurance Commissioner Dave Jones said, *”I’m pleased to see Farmers, one of California’s major insurers, offers a product that closes the coverage gap.” Closing the insurance gap is important to Farmers in making sure passengers, other drivers, and pedestrians are all protected when ride-hailing cars are on the road.  This new Farmers insurance product begins May 28, 2015 and will only be available through our Farmers Specialty Auto Insurance Policy: Bristol West.

Here at Russ Holcomb Farmers Insurance, we would love to help you get squared away in making sure you are covered throughout all periods in your life!


*cited from California Department of Insurance

Protect your furry friends

Pets BestFarmers has teamed up with Pets Best, the trusted name in pet insurance, to bring you affordable options to take care of your furry friends.

There are three plans you can choose from: Pets Basic, Pets First, and Pets Premier; with coverage starting at less than $1 a day! Insurance takes care of illnesses and accidents, prescription medication, surgeries, as well as other coverages. There is a special offer for Farmers customers which offers you 5% off your home or auto policy if you sign up with Pets Best for pet insurance.

Having insurance for your pets helps lower your out-of-pocket costs and as we always like to say at Russ Holcomb Insurance, give you some peace of mind!

Click this link to get a quote today!