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.
4 weeks 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.

Comments

Not found any comments yet.

Leave a reply

Your email address will not be published, and your website url is not required.

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