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10 years ago · by · Comments Off on Is your home properly insured in case of fire?

Is your home properly insured in case of fire?

fire-89353_1280You already know that you need homeowners insurance to protect this huge investment that you’ve made. Since fire is one of the catastrophes that this type of insurance covers, you might think that you are in the clear and that you don’t have to worry. There are some instances, however, during which your insurance company might not pay out as you expected.

Replacement Cost

While you might think that your homeowners insurance allows you to replace your home and its contents, chances are that your insurance company will pay out only the actual cost. The discrepancy between the two values could lead you to having to come up with some money out of pocket to rebuild your home. In order to make sure that your insurance pays out at the replacement value of your home and belongings, speak to your insurance agent about a policy rider that you can purchase.

Historic Options

Homes that are historic in nature or that have customized interior work might need to be covered with special insurance coverage. A standard homeowners insurance policy will pay only to have the industry standards replaced within your home. This could result in either a reduction in the value of you home or a significant out-of-pocket expense for you to restore it to its prior state.

Debris Removal

Clearing out the debris caused by a fire is something that is typically only partially paid for by a standard homeowners insurance policy. This is especially true if your home is deemed to be a total loss that must be demolished or if you live in a mobile home whose value is negligible.

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10 years ago · by · 0 comments

Home Insurance for the Holidays

While central California does not need to be concerned with a great deal of the adverse weather that is experienced by other areas of the country, there are still plenty of hazards that can pop up unexpectedly during the holidays. By taking a proactive approach, you can make sure that no matter what happens, you – as well as your friends and family who visit your home during the holidays – is protected.

Decorating Debacles

No matter how carefully you plan, there is always the possibility that something could go awry while you are decorating. Slips on steep basement steps to retrieve decorations, ladders that move unexpectedly and falls from roof top perches are just a few of the common issues that can put a damper on these otherwise festive weeks. Ensuring that you have the right kind of home insurance – and adequate amounts of it with a manageable deductible – can help ease the inconvenience and pain of any holiday injuries.

Protect Your Guests

As a host to your friends and family, you want to provide a safe and happy experience. Sometimes, though, things are beyond your control and accidents happen. Whether it is something like a guest who loses their grip and takes a tumble down your stairs or one that slips on a rain-slicked sidewalk, you can rest easier knowing that you have the insurance that is required to cover their expenses. Having that safety net also helps ensure that your friendship survives this unfortunate event.

Helps You Deal with Devastating Loss

The holiday season sees an alarming uptick in the number of home fires. Whether this is the result of cooking accidents in the kitchen, overloaded electrical circuits or unattended candles, you will be able to weather these incidences more easily because you have homeowner’s insurance. While starting over after a devastating fire is difficult, ensuring that you have the money to do so can provide you with a measure of comfort.

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11 years ago · by · 0 comments

Tips to lower your homeowner’s insurance premiums

Scurich Insurance Services, CA, Homeowners insuranceThere are several steps you can take to ensure you are getting the best Homeowners insurance rates possible for the coverage you need:

  • Before purchasing a home, it is wise to learn about its insurance loss history. If there have been past losses, be sure to inspect the home closely to determine if proper repairs were made. The CLUE and A-PLUS databases enable insurers to check the claim history of the property as well as that of the homeowner.
  • Raising your deductible is a great way to reduce your premiums. Higher deductibles on your Homeowners insurance could produce savings of 25% or more.
  • Consider upgrades to your home. Do you need to modernize your heating, plumbing, and electrical systems to reduce the risk of fire and water damage? Are there upgrades you could make that would reduce the risk of damage in windstorms and other natural disasters? You might be able to save on your premiums by adding storm shutters, reinforcing your roof, or buying stronger roofing materials. Older homes can be retrofitted to make them more capable of withstanding earthquakes. If you do make home improvements, be sure to make your insurer aware of the changes.
  • Improve your home security. You typically can get premium discounts of at least 5% for installing a smoke detector, burglar alarm or dead-bolt locks. Some companies will cut your premium by as much as 15% or 20% if you install a sophisticated sprinkler system and a fire and burglar alarm that signals the police, fire department, and other monitoring stations. These systems are not inexpensive and not every system qualifies for a discount. Before you buy such a system, find out what kind your insurer recommends, how much the device would cost, and how much you would save on premiums.
  • Buy your Home and Auto policies from the same insurer. Some companies that sell Homeowners, Auto and Liability coverage will take 5% to 15% off your premium if combine policies with them.
  • Maintain a good credit rating. Most insurers use credit-based insurance scores to determine Homeowners and Auto coverage premiums. All else being equal, a person with a good credit score will pay much less for insurance than someone with a lower score.

Contact our office today for more information.

Content provided by Transformer Marketing.

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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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