Homeowners insurance in California, is a necessity when it comes to buying a house. In fact, most mortgage companies will not finance a real estate transaction unless you provide proof that you have the proper coverage for most if not all of the property you intend to purchase.
Over the next few weeks, Scurich Insurance Services would like to give you a few tips when it comes to purchasing homeowners insurance as well as some cost saving ideas that can actually help reduce your insurance costs.
This week we will be taking a look into the world of security systems and how they can affect your homeowner’s insurance policy.
FBI REPORTS
According to the Federal Bureau of Investigation (FBI), there were approximately 2,159,878 burglaries across the United States in 2010. 60.5 percent of these burglaries involved forcible entry, 33.2 percent were unlawful entries, and the last 6.3 percent were forcible entry attempts. (1) SEE BELOW.
One of the most effective ways to detour intruders is to obtain and install a home security system. Typically the alarms systems are monitored 24/7 by either the alarm company itself or by a local police station, it admits a loud noise that will typically detour a home intruder.
In fact, a burglar alarm that is monitored by a central station, or that is tied directly to a local police station, will help lower the homeowner’s annual premiums, perhaps by 5% or more. In order to obtain the discount, the homeowner must typically provide proof of central monitoring in the form of a bill or a contract with the insurance company. (2) SEE BELOW.
Protect yourself and loved ones by installing an in-home security system, and don’t forget to make sure that your homeowner insurance policy is up-to-date. If you would like to see what type of insurance discounts you are eligible for simply contact the professionals at Scurich Insurance Services located in Watsonville, California today at 800-320-3666, or fill out the form below and we would be happy to assist you.
(1) http://www.fbi.gov/about-us/cjis/ucr/crime-in-the-u.s/2010/crime-in-the-u.s.-2010/property-crime/burglarymain
(2) http://www.forbes.com/2009/10/29/homeowner-insurance-tips-personal-finance-homeowners-insurance.htm
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Homeowners insurance in California, is a necessity when it comes to buying a house. In fact, most mortgage companies will not finance a real estate transaction unless you provide proof that you have the proper coverage for most if not all of the property you intend to purchase.
Over the next few weeks, Scurich Insurance Services would like to give you a few tips when it comes to purchasing homeowners insurance as well as some cost saving ideas that can actually help reduce your insurance costs.
This week we will be taking a look into the different types of discounts you can receive when it comes to your homeowners insurance policy.
You’re probably familiar with the basic discounts that most insurance companies offer on Homeowners coverage, such as bundling Home and Auto insurance, loyalty rewards, and installing smoke detectors and/or home security systems.
However, a growing number of companies offer significant premium discounts on Homeowners insurance to policy holders who are:
- Senior citizens. If you’re 60 or older, you could lower your premium by as much as 15%.
- Non-smokers. If you’ve given up the habit — or have never picked up a cigarette, cigar, or pipe — you might qualify for a discount.
- Married couples or widows/widowers. Could be eligible for discounts of up to 5%.
- New buyers who have closed a home purchase within 60 days.
- Willing to increase coverage to reflect a rise in inflation.
- Ready to buy coverage for the full value of a home.
- Prepared to buy from a new carrier before the policy with your current insurance company expires.
- New policy holders with the company (the “welcome” discount) and purchasing coverage for the entire value of your home.
You might also be eligible for a discount if you don’t have a Property damage claim for a specified period, such as three years.
Bear in mind that many insurance companies might not offer some (or any) of these discounts.
To see if you’re eligible for any of these policies simply check with the professionals at Scurich Insurance Services located in Watsonville, California. We might be able to save you some big dollars.
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A season long influenza outbreak has swept through California and across the nation, hospitalizing hundreds and leaving thousands of people infected. We at Scurich Insurance Services would like to offer tips and tricks to help you stay healthy, the remainder of the flu season. The following information is taken from Flu.gov.
“Vaccination is the best way to protect yourself from the flu. There are additional steps you can take to keep yourself and your family healthy this flu season.
- Everyone 6 months of age and older should get vaccinated against the flu.
- Take everyday precautions, like washing your hands, to protect your health.
- If you are exposed to or caring for someone with the flu, talk to your doctor about preventive antiviral medications.
Everyone 6 months of age or older should get the flu vaccine as soon as it is available in your area.
What everyday steps can I take to stop the spread of germs?
There are steps you can take in your daily life to help protect you from getting the flu.
- Wash your hands often with soap and water or an alcohol-based hand rub.
- Avoid touching your eyes, nose, or mouth. Germs spread this way.
- Try to avoid close contact with sick people.
- Practice good health habits. Get plenty of sleep and exercise, manage your stress, drink plenty of fluids, and eat healthy food.
- Cover your nose and mouth with a tissue when you cough or sneeze. Throw the tissue in the trash after you use it.
- If you are sick with flu-like illness, stay home for at least 24 hours after your fever is gone without the use of fever-reducing medicine.
Are there medications I can take to prevent getting the flu?
If you are healthy but exposed to a person with the flu, antiviral drugs can prevent you from getting sick. The sooner you are treated with an antiviral, the more likely it will prevent the flu. Antiviral drugs are 70% to 90% effective at preventing the flu. Talk to your health care provider if you think you need antiviral drugs.”
Read more HERE!
So don’t forget to get vaccinated, if you haven’t yet taken advantage of the flu vaccine there is still time. Flu shots can be obtained through your doctor’s office, health clinics and most drugstores. If you would like more information about our current Health Insurance programs, or to obtain a new insurance policy, simply contact the health insurance professionals at Scurich Insurance Services located in Watsonville, California today at 800-320-3666!
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We at Scurich Insurance Services located in Watsonville, California, know how troublesome it can be when you apply for an insurance quote. That is why we have launched a program that will make applying for an insurance quote 10 times easier.
Simply visit our Happy Customer Follow-Up page and select the products and services you currently have as well as the ones that you need. Once you press submit we will receive your information and the products and services that you need and one of our agents will contact you!
It’s as easy as that! If you would like to speak with someone directly you can always contact us today at 800-320-3666. Don’t forget to spread this information with your family and friends.
If the link above for the Happy Customer Follow-Up page does not load please copy and paste this link into your browser:
http://aom.imms.com/promotions/startpage.aspx?id=37
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As you may know, an insurance policy is issued for a limited time, and, at the end of that period, the insurance company renews the policy.
Renewal dates are
important times for insurance companies and policyholders. A renewal date is when a policy period expires and a new policy period begins. Renewal dates typically occur six months or one year after the policy began or the last renewal date occurred.
Policy Changes
- If the insurance company determines that the risk posed by the policyholder has changed, it may amend the policy, add restrictions or terminate coverage. General policy changes that affect all insured’s also take place at policy renewal.
Premium Changes
- A change in risk may also trigger a premium change at renewal. A policyholder who has not filed any claims may see a premium reduction, while a policyholder with several claims may see an increase.
Changing Policies
- If you find a better rate with another company or are unhappy with your company’s service, consider switching policies at renewal. You will avoid cancellation fees that may be imposed for mid-term cancellations.
Be sure to stay up to date with your current insurance policy. Not sure when you need to renew your policy? Simply contact Scurich Insurance Services located in Watsonville, California today at 800-320-3666 and we will be happy to tell you.
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Information taken from: http://www.dmv.ca.gov/legacyplates/index.htm
“Effective January 1, 2013, DMV will accept applications for a series of three specialized license plates that replicate plates from California’s past. Motorists will be able to choose from a minimum of three styles: yellow background with black lettering, black background with yellow lettering, and blue background with yellow lettering. (AB 1658/Gatto)
Legislation introduced the California Legacy License Plate program offering vehicle owners the opportunity to purchase replicas of California license plates similar to those issued in the 1950′s, 1960′s, and 1970′s. The program requires a minimum of 7,500 pre-paid applications prior to January 1, 2015.
The program is intended, in part, to give classic car collectors a way to get plates that match the era of their vehicles, the analysis said. Legacy License plates can be ordered for any year model automobile, commercial vehicle, motorcycle, or trailer. The Legacy License Plate Program will not replace the current Year of Manufacture (YOM) license plate program.”
For information about Commercial Insurance or Personal Insurance simply contact Scurich Insurance Services located in Watsonville, California today at 800-320-3666.
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