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10 years ago · by · 0 comments

My homeowners insurance covers that?

Homeowners insurance coverage can be tricky.  Some claims that one would think would be considered in the original homeowners insurance policy, are not (i.e. earthquakes, floods, etc.).   Here are a few of the possible scenarios that are covered:

1. The sky is falling!

Chicken Little was onto something there.  If meteors or UFO’s fall from the sky and crash into your house, your homeowners policy will have “open perils” policies to protect you from anything that isn’t specifically excluded.  Falling objects are included in the policy.  So if Marvin the Martian crashes into your home, theoretically, you are covered.

2. The volcano is going to blow!

We love the “open perils,” policies.  Should Dante’s Peak destroys your house, aside from tremors or earthquakes, your homeowners policy should theoretically, cover your loss.  Including if your house gets swallowed in a lava flow.

If you live in Hawaii, chances are you will also have a state-run volcano insurance coverage that you will need to look into.

3. It’s a Stampede!

We are being invaded by goats and cows!  The cows just ran through home but the goats came and ate our sofa, gnawed on our furniture and well, destroyed everything.

Your homeowners insurance can over stampeding animals, as long as the animals do not belong to you.  The animals must be wild and not domesticated.

4. Your loved ones tombstones.

Tombstones are a reminder of the loved ones we once lost.  However, there are pranksters that will deface and defile tombstones, especially around Halloween.

Your loved ones tombstones are covered by your homeowners insurance.

5. The truly frightful

Some homeowners policies will cover certain costs related to a murder, suicide or an unattended death in your home.  Not all homeowners policies have this option, best bet is to get a policy review and make any necessary adjustments.

Give us a call today for a complete homeowners policy review.

Content provided by Transformer Marketing.

 

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10 years ago · by · 0 comments

Fire Prevention

Without any warning, a kitchen fire can occur when you are busy cooking.  Here are some safety tips to prevent a fire:

  • Don’t wear anything that can catch fire.  That includes long sleeves and loose fitting clothes.  Make sure your clothes fit tight.
  • Move all towels, pot holders, paper towels and anything else that can easily catch fire.
  • Keep children a safe distance from hot areas.
  • Make sure all pots have lids that fit securely on them.
  • Never, EVER leave the kitchen while you are cooking.  If you must leave, turn off all the burners.

Make sure you have an easily accessible fire extinguisher in your kitchen in case of a fire.  In case of a uncontrollable fire, make sure you have a safe escape plan that you have practiced with your family.

Give us a call today for a review of your homeowners insurance policy.

Scurich Insurance Services, Watsonville, California

Scurich Insurance Services has proudly served the Monterey Bay area since 1924.  Scurich will take care of all of your insurance needs.  Are you a business owner, did you get a new car or maybe you are looking to protect your family in the event of a tragedy?  Give us a call, we can help!

Let Scurich Insurance Services know if you are a Happy Customer!

We are located at:

Scurich Insurance Services
320 East Lake Avenue, PO Box 1170
Watsonville, CA 95077-1170
Office:
1-831-722-3541
Toll Free:
1-800-320-3666
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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

Available 8:30am - 5:00pm