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9 years ago · by · 0 comments

Insurance Tips That Protect All the Priceless Holiday Presents You Receive

Christmas gift and baubles on defocused lights backgroundWhether you received valuable collectibles or heirloom jewelry, you’ll want to insure these holiday presents. Your homeowners or renters insurance policy may provide coverage for some of your new items, but anything above the existing coverage limit requires a personal articles floater. Consider specific gifts that you’ll want to insure this year.

Jewelry: Your homeowners insurance policy should cover jewelry valued at less than $2,000. However, appraised jewelry that’s more valuable will require a floater.

Furs: From a real fur jacket to a fake fur-trimmed hat, add any furs you receive to your homeowners insurance policy.

Fine Art: Paintings, sculptures, rare books, manuscripts, ornamental collectibles, glasses and antique furniture fall under the fine art category. Record these items and their value on an itemized schedule attached to your insurance policy.

Electronics: Laptops, cameras, TVs and other electronic devices, plus telescopes, video recording equipment and films, are typically included in your existing homeowners or renters insurance policy. If these items are high-end, consider a floater.

Coins or Stamps: Depending on their value, you’ll want to add a floater for new coins or stamps in your collection.

Musical Instruments: List any musical instruments, including sound equipment, on a floater.

China, Crystal or Silverware: List these items on a schedule and include the insurance coverage amount.

Sporting Goods: Bicycles, golf equipment, guns and other sporting goods fall under your existing insurance policy unless they’re collectible, rare or expensive.

Tools: Insured under your homeowners or renters policy, your new tools won’t need a floater unless they exceed the value of your existing coverage.

As with everything in your home inventory, record a detailed description, serial number, purchase date, value and picture of your new holiday presents. Store copies of this information with your insurance policy in a fireproof safe and in a secure location other than your home.

Go ahead and enjoy your new holiday presents. Just remember to check with your insurance agent to be sure they’re covered.

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11 years ago · by · 0 comments

Minimum Liability Insurance Requirements for Private Passenger Vehicles

Financial responsibility is required on any vehicle operated or parked on California roadways.
You must carry evidence of financial responsibility in your vehicle at all times.

What Are the Minimum Liability Insurance Requirements for Private Passenger Vehicles?

  • $15,000 for injury/death to one person.
  • $30,000 for injury/death to more than one person.
  • $5,000 for damage to property.
While the minimum requirements are the law, most vehicles today are worth more than $5,000 and medical costs far exceed the minimum as well.  Raising your liability limits is not only wise, but the cost is very reasonable.  Also, did you know that by having the other policies you need for home and life insurance can give you a discount on your car insurance? Scurich Insurance Services can help you make the best decision for your circumstances. Contact them today!  800-320-3666

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

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

Mailing:
PO Box 1170
Watsonville, CA 95077-1170

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