Farmers Insurance Agent in Concord, CA
Earl Leshea JonesAbout Me
As a longtime resident of California, I'm proud to serve Sunnyvale, CA and the surrounding areas as your local Farmers Insurance® Agent. At The Earl L. Jones Insurance Agency, we pride ourselves on providing outstanding customer service and ensuring each client is educated on their specific coverage options. We know you have choices and we are proud you’ve chosen us.
You’ve worked hard to achieve your level of success. So, we make it easy to do business with us by meeting you at your office, home, or wherever is most convenient for you. We will ensure that this process is straightforward and personalized to help you select the most comprehensive, cost-effective solution.
The number one goal of my agency is to ensure you and your family have options, no matter what life throws at you. With over 10 years of financial industry experience, I have the knowledge and skill-set to help you better understand your coverage options--whether that be for life, business, workers' compensation, auto, home insurance, and more.
Give me a call at (408) 636-0755 and I'll be happy to answer any questions you might have.
Languages Spoken: English
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Auto Insurance
Comprehensive coverage? Collision coverage? Deductibles? Medical Payments? Where to begin? Your local Farmers agent can take the mystery out of selecting the right Car insurance coverage for your needs and budget. Get started with an online Auto insurance quote and learn about our insurance discounts that can help you save money.
Home Insurance
Your home is perhaps your most valuable possession, so you'll want to make sure your insurer has withstood the test of time. Farmers® has been providing insurance products for over 80 years, and will be there in the event disaster strikes and your home is damaged in a fire or due to another covered cause of loss. Plus, get competitive rates with our multi-line insurance discounts. Get a Home insurance quote now.
Life Insurance1
How much has your life changed in the last few years? Whether you've purchased a home, gotten married, had children or started a small business, it's a good idea to review your Life insurance policy. Call me today so you can create a plan to help provide financial support for those who depend on you.
ADFL029AWS 9/17Renters Insurance
Your landlord may have an insurance policy, but if there's a fire in your building, that policy may not cover your possessions. That's why there's Renters insurance. Get a Renters insurance quote to see how affordable it is to protect your personal belongings.
Business Insurance
Managing your small business can be complex, selecting the right Business insurance for your unique operation doesn't have to be. No matter the type of business, a Farmers agent can help you customize an insurance package to reduce your risk and protect your investment. Request a Business insurance quote today to get started.
Condo Insurance
Your condo is more than a place you call home. It’s also a major investment filled with possessions you want to protect. Get a quote on condo insurance to see how affordable it is to protect your personal belongings.
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Motorcycle Insurance
As a motorcycle enthusiast, you're all about adventure and fun. The last thing you want to worry about is whether you have the right Motorcycle insurance policy. Talk to a Farmers agent about Motorcycle insurance discounts such as rewards for responsible riders and insuring more than one bike with Farmers.
Recreational Insurance
When enjoying the great outdoors, you shouldn't have to be thinking about your insurance coverage. Make sure you have Recreational insurance coverage from an industry leader. Whether you own a boat, travel trailer, ATV or Motor Home, Farmers Insurance has flexible coverage options and insurance discounts. Contact a Farmers agent to get a quote.
Umbrella Insurance
You work hard for the things that are important to you. For added coverage above and beyond the liability limits of your Auto or Home insurance policies, a Personal Umbrella insurance policy can provide added protection for your assets and future earnings.
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9. Standard business owner’s insurance policy might help
Pandemic Insurance Coverage would be offered as a rider (option) on the standard business owner’s insurance policy. Currently, there are very few insurance companies that will write this coverage as a standalone insurance policy. As it stands now, the pandemic insurance policies are not cheap, and very few companies can afford the coverage. These are the only policies that can support a business during these tragic times.
What I suspect will happen, is that the insurance industry and the federal government will work together to create a pandemic insurance coverage program similar to the terrorism insurance coverage that was created after 9/11. If they do, it should make it affordable for all small business owners to have coverage for a pandemic going forward.
– Earl Jones, Agent Owner, Earl L Jones Insurance Agency
Insurance costs. This can be a very painful part of a DUI. Your insurance premiums will go up considerably.
On average, a drunk driving conviction will cause a person's premiums to increase 20% to 25% for up to three to 10 years, depending on the insurance company, according to Earl Jones, who owns Earl L. Jones Insurance Agency, which is based in Sunnyvale, California.
It gets worse.
"They will also have very limited choices for auto insurance during that time frame, as they typically are ineligible for auto insurance with the big-name carriers. As such, they will also lose their auto and home discounts as well, which can be another 15% to 20%," Jones says.
"They will also have to pay for an SR-22 as well, which can vary in price from $22 and up," he adds.
What is an SR-22? It's a certificate of insurance that offers proof that you carry car insurance.
There's more bad news.
"A DUI conviction can make it very challenging to get life insurance as well during that time period," Jones says. "As a lot of carriers will not write life insurance on a person with a major driving conviction such as a DUI
Are there any homeowners insurance endorsements (flood coverage, guaranteed replacement cost, etc.) that you recommend for most, if not all, buyers?
A great endorsement is extended replacement coverage. This will pay extra to rebuild the home, up to 50% more replacement cost dollars. With the high frequency of wildfires and tornadoes, which drive up construction costs, this is one endorsement you will want to max out on the home insurance policy.
Is there a common mistake that first-time buyers make and, if so, how can they avoid it?
Not all home insurance policies are the same. Some are just very basic specific coverage, while some are very broad in coverage. The more complex home insurance policy type is a bit more costly, but nonetheless, it’s worth the price.
Are there any homeowners insurance exclusions that might be surprising to a first-time buyer?
First-time homebuyers beware. Your standard home insurance policy does not cover major renovations and updates to the home. Major updates and renovations include knocking out walls, adding square footage, adding solar panels, new electrical, etc. Before a renovation, check with your home insurance provider first. A separate policy called a builder’s risk policy is usually required. It provides coverage for home projects and could provide coverage to the rest of the home during the project. Also, renovations not done by a licensed contractor or not done up to code are either excluded or void the home insurance policy.
today’s guest insists that the people around him live their best lives. Earl’s stand as a role model shines through in his work as an insurance agent for Farmers Insurance Agency, in his relationships with his family members, and among the students, he trains in group fitness classes in the Bay Area.
Earl believes that as humans, we are responsible for how we connect with the other humans around us.
On today’s inspiring episode, Dr. Fred and Earl discuss:
Why Earl insists “everyone wins” in all his business dealings
The importance of keeping one’s word
How mentoring others requires personal accountability
“Widening the circle”
Building a legacy
Exercise a way to connect to the Divine
Who is Earl for the African American community?
Owning your power
Episode Length: 0:50:59
Earl L Jones
Earl L Jones - is an insurance agency owner in Sunnyvale, CA. Served our country through the US Army. Graduated from Webster University with his Masters Degree in Business Management and his undergrad degree from Austin Peay State University in Clarksville, TN. He's from St. Louis, MO..and yes he still cheers for the Caridnals. He's been featured in MoneyGeek.com / US News and World Reports / Insurance Support World / and on the Pod Cast Show - Welcome To Humanity.
On the Earl Jones Show I share with you 3 tips to lower your car insurance premiums, without sacrificing coverage.
1. Increase the collision deductible to $1000 or more. Like how often are planning to have an accident.
2. Bundle your other insurance together. Did you know that you can get a discount on your auto insurance if you bundle it with life insurance?
3. 55+ - Senior Defensive Driver’s Course. See if your company accepts that certification from the completion of the course.
I also explain why a cheater must always keep comprehensive coverage on their auto insurance. (I got a little inspired towards the end.) Yes... I said a cheater. We all know one or two...
Now if you discover your insurance company can’t treat you like I can, then it’s time to switch. Life is to short to be riddled with inadequate insurance.
Leave a comment below. Share this with that neighbor that parks in your grass... sharing is a great way to show you are friendly. Subscribe to the channel! And remember... “cheaters never prosper”
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