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    • Useful info / Finance / Insurance
    • 2026/05/05 (Tue)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    For those of you whose renewals have increased your car insurance ｜ you now have more options to compare!

    More choices for car insurance🚗

    We can now offer Mercury Auto Insurance through Farmers network.

    Recently,

    ✔ premiums have increased due to renewal
    ✔ I want to compare with other companies
    ✔ I just came from Japan and want to discuss
    ✔ review my family car

    We are getting more and more requests for consultation.

    Since different insurance companies have different conditions and rates, comparing them can help you find the right option for your current situation.

    We offer Auto / Home / Business / Life Insurance consultations in CA ・ WA.
    Feel free to contact us for more information.

    Contact us via email (nkato@farmersagent.com) or Town Guide.

    • Event / Finance / Insurance
    • 2026/05/05 (Tue)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    Japan and the U.S. [Pensions

    We often hear in the news about the "increase in the age at which pension benefits begin to be received" and the average life expectancy of Japanese people is rising year by year.
    We can no longer rely solely on public pensions for our retirement.

    If you are busy with your daily life, you may not have time to think carefully about your retirement.
    However, retirement does not start suddenly; it is an extension of our current life.

    It is important to have even a vague idea of what life will be like in retirement now.
    Thinking about "what you would like to be like then" will give you an idea of what you should be doing now.

    Do you plan to live in the U.S. ？ or in Japan in your retirement ？
    In Part 1, we will discuss the WEP （ anti-shelf-loss provision ） that reduces your U.S. Social Security if you are receiving a Japanese pension, and the In the second part, we will explain about U.S. individual annuities that you can receive after you return to Japan.

    Please take this opportunity to learn more about "Pension" which is always involved when choosing your future.

    There is no pressure to participate. Please feel free to join us.

    • Useful info / Finance / Insurance
    • 2026/04/28 (Tue)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    Japanese Driver's License ・ Car Insurance with International Driver's License ？


    "I just came to the U.S. and don't have a local license yet" "I want to buy a car with a Japanese license ・ international license"
    "I plan to use the car with my family"

    Such consultations are very increasing recently.

    In fact, there are cases where you can join with a Japanese license ・ or an international license.
    However, depending on the situation,
    ・ the companies that can join are limited
    ・ the premiums may be higher
    ・ there are conditions for registering family members
    and there are other points to note.

    In addition,
    in many cases in the U.S.,
    "you cannot receive the car without insurance", so it is very important to check before purchasing ・ the car before delivery.
    We often hear people say, "I had trouble … because I went ahead without knowing.

    ✔ You can get insurance with a Japanese license ？
    ✔ What about family use ？
    ✔ When should you prepare ？

    Actually, I have been Japanese license ・ I have actually helped several clients with international license to get car insurance.

    I can provide you with information in Japanese according to your situation.
    Please feel free to contact us.
    Please contact us through Email (nkato@farmersagent.com) or Town Guide ！.

    • Useful info / Finance / Insurance
    • 2026/04/06 (Mon)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    Earthquake insurance in California, actually not covered by homeowners insurance

    🏠 Do you know about earthquake insurance in California ？

    If you live in California,
    you have probably wondered about earthquakes at least once.

    Actually, what is not surprising here is that …

    👉 damage caused by an earthquake is not covered by regular home insurance
    .

    📌 Earthquake insurance is ？

    a specialized insurance policy （ Earthquake Insurance ） to cover damage caused by an earthquake.

    In California, this insurance is purchased primarily through a program called the California Earthquake Authority （ (CEA).

    🧱 What is covered ？

    The three main types of coverage are ：

    ✔ Building （ Dwelling ）
    → Repairs ・ Rebuilding Costs

    ✔ Household Goods （ Personal Property ）
    → Furniture ・ Home Appliances etc

    ✔ Additional Living Costs ALE ）
    → Temporary housing （ Hotel and other ） expenses

    ⚠ ️ Key Points to Know

    Earthquake insurance is very important but
    it is also important to understand its features It is important to understand the characteristics of earthquake insurance.

    ① Co-pay （ Deductible ） is large
    → typically 5%-25%
    Example ： $ 500,000 home × 15% = $ 75,. 000 co-pay

    ② often not available for small damages

    ③ positioned as "insurance against major disasters"

    🤔 For those who are not sure whether to join

    this is a common
    The answer is "it depends on each person".

    The decision point is ：

    ✔ In case of emergency, can you rebuild at your own expense
    ✔ Mortgage balance
    ✔ The attitude towards risk

    etc. It depends on.

    📝 Summary

    ✔ Earthquakes are not covered by home insurance
    ✔ Dedicated earthquake insurance is required
    ✔ but the co-pay is large
    ✔ It is important to consider it as "catastrophe

    ✉ ️Consultation

    "Does my current policy cover earthquake ？?"
    "Is it necessary in my case ？? <11469> If you have any concerns such as
    please feel free to contact us. Just a review is fine.
    Please contact us at nkato@farmersagent.com or through the Town Guide.

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