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3 weeks ago · by · 0 comments

Does The Type Of Dog You Own Affect Your Home Insurance Price?

October, Adopt a Shelter Dog month, is a great time to add a dog to your family. Be careful which breed you adopt, though. Insurance companies use data from insurance claims and public health studies to create a high risk dog breed list, and your homeowners insurance premiums can increase based on the type of dog you adopt. You can save money when you choose a dog that’s not on the high risk list.

Working Breed Dogs

Agile, powerful and intelligent, Akitas, Alaskan Malamutes, Doberman Pinschers, Rottweilers and Siberian Huskies are also fiercely protective. If they’re not trained properly, these breeds could be potentially dangerous, especially to young children and small pets.

Terrier Breeds

Loyal and protective, American Pitbull Terriers and American Staffordshire Terriers have been bred to hunt. These traits mean they can become aggressive and tenacious if they’re cornered or frightened by one of your family members or guests.

German Shepherds

Police departments, military personnel and ranch hands appreciate this breed because the dogs are intelligent, hard-working and powerful. They’re also suspicious of strangers and won’t back down, which makes them a challenging breed for inexperienced owners to handle.

Chow Chows

Independent and strong Chow Chows are often kept as companions. These fluffy dogs can be aloof and stubborn, though, and should only be adopted by experienced dog owners.

Miscellaneous Breeds

Wolf Hybrid and Presa Canarios dogs exhibit strength and protective characteristics. However, they can also be unpredictable and quick to attack, making them potentially dangerous breeds. Friendly and docile Great Danes are listed on the high risk list, too, because of their size.

A dog adds fun and companionship to your home and family, and adopting a shelter dog is socially responsible. Before you choose a new pet, though, consider whether or not it will increase your homeowners insurance cost. If so, you may choose a different breed or reduce your home insurance premiums by installing a dog fence or raising your deductible.

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5 months ago · by · 0 comments

Protecting Seven Soft Targets Around Your Home This Summer

Have a safe and wonderful Memorial Day weekend!

The U.S. Department of Justice’s Bureau of Justice Statistics reports that most burglaries occur during the summer months (and while people are away). While some burglars enter your home, others are interested in soft targets, the items stored outside of your home. One in three homeowners do not protect their soft targets, but you can with these tips.

    1. Vacant Properties
      Thieves and vandals typically target vacant homes as they steal scrap metal or take other items to sell. If you’re on vacation, keep your windows and doors locked. Install outdoor motion activated lights and use a timer to turn on indoor lights at random times, too. You can also install a video camera that allows you to monitor your home while you’re away.
    2. Vehicles and Loose Items
      Experienced car thieves can steal a vehicle in less than 10 seconds. Always keep your car locked inside the garage or make sure the alarm is turned on and install an anti-theft device that disables the ignition or locks the steering wheel. You should hide any loose items, too, including electronics, garage door openers, toll booth passes and parking garage passes, either in the glove box or trunk.
    3. Unlocked Sheds and Garages
      Tools and lawn equipment are easy to resell. Always lock your garage, including windows, even if you’re working in your lawn. Be sure your valuable tools and equipment are stored inside the shed or garage, too.
    4. Sports Equipment
      Whether your summer activities include baseball, kayaking or tennis, resist the urge to store your sports equipment outside. Secure it safely in a locked garage or shed, in a locked bin or in your vehicle’s trunk.
    5. Bicycles
      Ideally, you should store your bike in a locked garage or shed. If you have to store your bikes, don’t use thin bike chains and wheel locks that are easy to unbolt or cut. A heavy chain threaded through the bike’s wheels and frame and a thick padlock are more secure.
    6. Air Conditioning Units
      Your outdoor air conditioning units contain copper coils and other metal piping that thieves can scrap for cash. Install a bright security light that’s motion activated near your outdoor AC unit or install a locked fence around it.
    7. Pool Pumps
      Pool pumps are easy to resell. Remove the pool pump and store it inside during your vacation. If that’s not possible, install a bright, motion-activated security light near the pump. You should also install a fence around your pool and keep it locked at all times.

Protect your home from thieves when you take steps to protect these seven soft targets. Be sure your homeowners or renters insurance policies are up to date, too, as you protect your home and possessions.

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7 months ago · by · 0 comments

Property Owners Definitely Do, But Do Renters Really Need An Umbrella Policy?

Umbrella insurance protects insureds from financial devastation. It’s a common policy homeowners purchase because it protects their home and other assets when an insurance claim exceeds existing homeowners or auto insurance policy limits. However, it could be a smart investment for renters, too. 

It Supplements Existing Liability Protection

Typically, basic liability protection only includes $100,000 in coverage. An umbrella policy can offer $1 million or more in additional coverage. Both types of coverage offer financial protection and peace of mind.

It’s Inexpensive

For $1 million in liability protection, renters could pay as little as $300 a year. Claude Lilly, Clemson University College of Business and Behavioral Science dean, also reminds renters that an addition million may only cost $100 more. This inexpensive investment protects a renter’s possessions, auto and other assets as it gives the insured peace of mind.

It Complements Exposures

The hobbies a renter enjoys can make an umbrella policy a necessity. For instance, the renter’s dog bites a contractor or guest, resulting in thousands of dollars in medical expenses and an expensive lawsuit. The umbrella coverage kicks in after the basic renter’s insurance policy funds are exhausted, and it provides the financial protection the renter needs.

Likewise, owning a swimming pool, hunting as a hobby or playing golf can each be fun activities, but they also have the potential to turn into expensive lawsuits. Renters should invest in an umbrella policy that covers expenses associated with a claim or liability related to the exposures they enjoy.

Consider Net Worth

Each renter can decide how much umbrella insurance to purchase. Overall, the renter’s current assets and net worth determine the basic coverage amount.

Buy Based on Future Earnings

A renter who’s found liable for an auto accident could face wage garnishment. Purchasing an umbrella policy that takes future earnings into account ensures the renter is adequately covered and can pay the judgment without losing his or her home and other assets.

Remember Slander, Libel and Invasion of Privacy Protection

Umbrella coverage does more than protect financial assets after an accident or lawsuit. It also protects renters who are victims of slander, libel or privacy invasion. The protection an umbrella policy offers against these challenges makes it a wise investment.

Overall, umbrella insurance provides beneficial coverage for every consumer, including renters. An insurance agent can offer additional counsel and advice regarding how much umbrella insurance to purchase.

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9 months ago · by · 0 comments

Do You Have Enough Home Insurance?

Homeowner’s insurance protects your home’s structure and belongings since it can pay for costly repairs or liability after a natural disaster, break-in or accident. You’ll be stuck with a huge bill, though, if you don’t have enough home insurance. Follow these steps as you make sure your home insurance is adequate for your needs.

Determine the Home’s Value

When you first purchased a homeowner’s insurance policy, you told the agent how much your home was worth. That figure might have changed since then. Use a recent tax assessment and an independent contractor to give you a current and accurate value for your home.

Switch to Replacement Cost

Actual cash value calculates an item’s worth as the amount you originally paid for it minus depreciation. Replacement cost pays you to replace the item at today’s cost. Update your policy to replacement cost and give yourself more coverage for a few dollars more.

Inventory Your Home’s Contents

Over time, the contents of your home have probably grown, so take time to update your inventory list. Include all the valuable artwork, jewelry, electronics, firearms or collectibles you’ve acquired. Take pictures of your valuables, too, and include the receipt from its purchase, if possible, a written description, serial numbers and other identifying details.

If one of your valuables is super expensive, purchase an additional endorsement. It’s designed for items of significant value.

Consider an Umbrella Policy

Say you install a pool in your backyard or add an addition to your home. Check into an umbrella policy. It provides additional liability coverage that accounts for your home’s upgrade and protects your assets.

Check Into Flood Insurance

Most regular homeowner’s insurance policies do not include flood insurance. Add this valuable coverage if you live in a flood plain or if there’s any chance that your home could be flooded.

Insure Your Dog

Certain dog breeds, such as pit bulls and Rottweilers, are not insurable, and your homeowner’s insurance policy will not cover liability if one of these breeds bites someone. Tell your agent if you’ve purchased or adopted one of these breeds.

Check Your Condo Coverage

In case you live in a condo, read the association policy to understand what part of your building you must insure. Usually, that’s the contents of your home and any improvements you make to your condo.

Do an Annual Review

At least once a year, review your homeowner’s insurance policy. Ensure your coverage is adequate for your current needs.

Homeowner’s insurance is one way you protect your valuable home, belongings and other assets. Make sure you have enough coverage when you talk to your agent today.

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9 months ago · by · 0 comments

Even If It’s Not Raining You Need an Umbrella

You own your home, have your own business, and drive a new car. Though you are not rich, you are comfortable. It will be a shame to lose it all if someone sustains injuries by your car or at your home or place of business.

You have insurance you say; you have standard auto liability insurance. The limits are $100,000 for a single person and a total of $300,000 for multiple people. Suppose you are responsible for any accident involving a shuttle taking ten people to the airport. Three hundred thousand dollars allows on average $10,000 per person. That is hardly enough to cover the emergency room fees let alone any surgery, rehabilitation, lost wages and other medical expenses. If there is a fatality, you may consider bankruptcy.

Your business has a small storefront on a busy street. A middle-aged executive comes into your place of business following a rainstorm. Your floor is wet and slippery, and the executive slips and falls. He strikes his head, loses consciousness, and goes into a coma. Your general business liability insurance has the same limit as your auto insurance – $100,000. It may cover part of the hospital bill, but the official says he is permanently disabled and sues you for future wages for $1 million. Since your business is a sole proprietorship, bankruptcy beckons.

Your son invites a friend over for a swim in your pool. He dives into the shallow end strikes his head and suffers traumatic brain injury. Sadly, the damage is permanent — with standard liability limits of $100,000 — well, you know, bankruptcy stares you in the face.

The inexpensive, elegant solution to the problem is umbrella insurance. When a claim exceeds your standard liability insurance limits, your umbrella insurance policy takes over and pays up to your umbrella liability limits. Most people who buy umbrella insurance extend their liability limits to $5 million.

Though you hope never to use it, for a few hundred dollars per year, you can protect your assets, and avoid financial disaster. Umbrella insurance pays when you are responsible for an injury that exceeds your standard liability limits.

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1 year ago · by · 0 comments

Does The Type Of Dog You Own Affect Your Home Insurance Price?

October, Adopt a Shelter Dog month, is a great time to add a dog to your family. Be careful which breed you adopt, though. Insurance companies use data from insurance claims and public health studies to create a high risk dog breed list, and your homeowners insurance premiums can increase based on the type of dog you adopt. You can save money when you choose a dog that’s not on the high risk list.

Working Breed Dogs

Agile, powerful and intelligent, Akitas, Alaskan Malamutes, Doberman Pinschers, Rottweilers and Siberian Huskies are also fiercely protective. If they’re not trained properly, these breeds could be potentially dangerous, especially to young children and small pets.

Terrier Breeds

Loyal and protective, American Pitbull Terriers and American Staffordshire Terriers have been bred to hunt. These traits mean they can become aggressive and tenacious if they’re cornered or frightened by one of your family members or guests.

German Shepherds

Police departments, military personnel and ranch hands appreciate this breed because the dogs are intelligent, hard-working and powerful. They’re also suspicious of strangers and won’t back down, which makes them a challenging breed for inexperienced owners to handle.

Chow Chows

Independent and strong Chow Chows are often kept as companions. These fluffy dogs can be aloof and stubborn, though, and should only be adopted by experienced dog owners.

Miscellaneous Breeds

Wolf Hybrid and Presa Canarios dogs exhibit strength and protective characteristics. However, they can also be unpredictable and quick to attack, making them potentially dangerous breeds. Friendly and docile Great Danes are listed on the high risk list, too, because of their size.

A dog adds fun and companionship to your home and family, and adopting a shelter dog is socially responsible. Before you choose a new pet, though, consider whether or not it will increase your homeowners insurance cost. If so, you may choose a different breed or reduce your home insurance premiums by installing a dog fence or raising your deductible.

Read more

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

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(831) 661-5697

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