Liberty Mutual Locations & Hours Near San Leandro, CA -
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By: Jose R.
Harjeet Ghuman - State Farm Insurance Agent
The worst agent, the worst people, the worst experience.I don't recommend this agent AT ALL.Wanna hear the whole story?Go on Yelp and binge on how this people treated me.I go by J.R.
By: mssarah
Harjeet Ghuman - State Farm Insurance Agent
Harjeet has been my agent for a few years now, and I have nothing but good things to say. He's never pushy with his sales, and I appreciate the honesty he provides when he tells you what you actually need. They had a recent change in office staff, and now the atmosphere is even more friendly and pleasant. The new receptionist is super bubbly and cute!
Tips & Advices
Yes, they can cancel policies and also choose not to renew policies once they expire. This can happen for a variety of reasons:
  • Failure to pay premiums
  • Giving false information to an insurer
  • Failure to meet fire or security codes or other recommendations
  • Failure to meet established safety guidelines, like removing pools or trampolines
  • Filing too many claims
  • Failure to repair home damage that protects from needing to filing claims
  • Increase in criminal activity within your neighborhood area
No, homeowners insurance is a nondeductible expense. The only case in which it’s not is if part of the home is used home for business, then the square footage used for that purposes could be deductible.
Without homeowners insurance, you may be fully responsible for the costs of repairing damages to a home and for replacing belongings that get damaged or stolen. Also when applying for a home loan, most banks require that borrowers have home insurance. Banks treat these loans as investments and home insurance acts as a protection of these investments.
Earthquakes, floods, tornadoes, and other natural disasters are not typically covered by home insurance--there are separate insurance coverages for them that can be purchased.
It does not cover anything dealing with vehicles or items within vehicles. Protection from natural disasters is also rarely covered automatically.

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