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Blogging with a Homeowner’s Insurance Agent
Current homeowners insurance rates in Hollister, CA can be confusing and overwhelming.
Know the Risk of Comparing Homeowner’s Insurance Quotes
If you’re considering homeowners insurance quotes, be aware of the risk. By comparing quotes yourself, you may be missing out on an important benefit. When you contact a home insurance provider, they will typically send you a list of quotes. Be sure to read each quote carefully and compare the rates. However, don’t rely only on the quote amounts. Make sure to factor in other factors, like how long the policy is for and what coverages are included. If you’re thinking about switching providers, be sure to get quotes from several companies. By working with several providers, you’ll reduce your chances of being overcharged or underinsured.
Your Trusted Team of Homeowners Insurance Agents
Hollister, CA–If you’re like most homeowners, you’re probably relying on the advice of your trusted team of homeowners insurance agents for help with selecting and purchasing the right policy. That’s why we’re excited to announce our partnership with The DIY Network, which will give our customers a chance to receive free home insurance tips and resources from expert advisors in exchange for completing a short questionnaire. You can access the questionnaire by clicking on the link below or visiting our website at http://www.theDIYnetwork.com/ca/. We hope that this new program will help homeowners save time and money while ensuring they’re getting expert advice on the right coverage for their needs. click here to learn more
The Damage Report
If you’re like most homeowners, you take great pride in your home and feel confident that it’s insurmountable to any outside threats. Unfortunately, this doesn’t always prove to be the case.Unfortunately, there are many things that can happen to your home without your knowing, such as a tree falling on your house or a broken pipe in the basement leaking water. If these events occur and don’t receive proper attention, they can lead to major damage to your home and furnishings. Below is a list of some common damage events and their potential consequences: 1) A tree falling on a house: This is by far the most common type of damage occurrence, with an estimated 30% of all weather-related incidents leading to some form of property damage. The most common injuries in cases like these are from falls onto hard surfaces (e.g. concrete), as softer materials such as wood inflict less damage. In extreme cases, branches may have penetrated windows or even destroyed roofing tiles, necessitating extensive repair work before occupancy can resume. 2) A broken pipe in the basement causing water damage: Basement floods are an all too common occurrence in homes that have poorly maintained drainage systems. Water can
The Personal Property Report
-Are you thinking about buying a home? -It’s important to know the basics of home insurance – what it protects, and what you need to consider. Here’s what you need to know about personal property coverage in a home purchase. -What is covered: In general, your home is covered by personal property coverage if any of the following are true: -The item is your primary residence or a guest house used primarily for lodging; -You are the owner or tenant of record; -The item is an attached part of the structure that constitutes your dwelling unit; and -The item is your personal property (meaning it’s not rented, leased, leased with an option to buy, or given away as part of a gift). -Who needs coverage: Everyone in your household needs personal property coverage unless all people living in a household—whether they own an interest in the property or not—agree not to have coverage. If someone else lives in the home and uses part of it as their primary residence, that person needs coverage even if everyone else in the household doesn’t have coverage. -Limits on coverage: Coverage for personal property typically includes
The Replacement Cost Estimate
The replacement cost estimate for home insurance often needs to be updated as the value of homes changes. Unfortunately, some insurers offer replacement cost estimates that are outdated before you even purchase a home. If you’re considering a home purchase and your insurer has an outdated replacement cost estimate, notify the agent and ask for an updated estimate. When buying a home, if you have written proof of current homeowner’s insurance (copies of your policy or letters from your insurer stating that you have coverage), the mortgage company may require this evidence when obtaining approvals. If a home is damaged in a covered event, the lender may require that homeowners have valid homeowner’s insurance in place prior to any repairs being done. Failure to have homeowners insurance in place can result in delays in repairs and additional costs. Make sure you consult with your lender about what documentation is required before making an offer on a property.