Contact us

(831) 722-3541

Contact us

Contact details:

Message:

Your message has been sent successfully. Close this notice.

Commercial Insurance Quote

Coverage Information

Current Coverage Information

Contact details:

Your Quote Form has been sent successfully. Close this notice.

Auto Insurance Quote

Contact details:

Current Coverage Information

Your car:

Your Quote Form has been sent successfully. Close this notice.

Homeowners Insurance Quote

Your house:

Current Coverage Information

Contact details:

Your Quote Form has been sent successfully. Close this notice.

Life Insurance Quote

Life Insurance Details

Current Coverage Information

Contact details:

Your Quote Form has been sent successfully. Close this notice.

Health Insurance Quote

Coverage Information

Current Coverage Information

Contact details:

Your Quote Form has been sent successfully. Close this notice.
9 years ago · by · Comments Off on Is your home properly insured in case of fire?

Is your home properly insured in case of fire?

fire-89353_1280You already know that you need homeowners insurance to protect this huge investment that you’ve made. Since fire is one of the catastrophes that this type of insurance covers, you might think that you are in the clear and that you don’t have to worry. There are some instances, however, during which your insurance company might not pay out as you expected.

Replacement Cost

While you might think that your homeowners insurance allows you to replace your home and its contents, chances are that your insurance company will pay out only the actual cost. The discrepancy between the two values could lead you to having to come up with some money out of pocket to rebuild your home. In order to make sure that your insurance pays out at the replacement value of your home and belongings, speak to your insurance agent about a policy rider that you can purchase.

Historic Options

Homes that are historic in nature or that have customized interior work might need to be covered with special insurance coverage. A standard homeowners insurance policy will pay only to have the industry standards replaced within your home. This could result in either a reduction in the value of you home or a significant out-of-pocket expense for you to restore it to its prior state.

Debris Removal

Clearing out the debris caused by a fire is something that is typically only partially paid for by a standard homeowners insurance policy. This is especially true if your home is deemed to be a total loss that must be demolished or if you live in a mobile home whose value is negligible.

Comments

Comments are closed.

Company information

Scurich Insurance Services
Phone: (831) 661-5697
Fax: (831) 661-5741

Physical:
783 Rio Del Mar Blvd., Suite7,
Aptos, Ca 95003-4700

Mailing:
PO Box 1170
Watsonville, CA 95077-1170

Contact details

E-mail address:
[email protected]

(831) 661-5697

Available 8:30am - 5:00pm