Home Insurance Jurupa Valley

Let’s go over the benefits of having to home insurance policy in place. Whether you rent or if you own a house, this article will help explain the importance of getting an insurance for your property and what to keep in mind about your plan.

Should I get homeowners insurance for my chimney?

If your chimney is in good condition and you use it for approved purposes, you likely don’t need homeowners insurance. However, if you have a dangerous or unapproved use for your chimney, you could be subject to an insurance claim or at least receive notification if there is an issue.

What happens if I don’t have insurance?

If you don’t have home insurance, your property could be at risk if there is a fire or an accident. Property damage may not be covered by your homeowners or renters insurance, and you may end up having to pay out of pocket. Here are some tips to help protect your property if you don’t have insurance: 1. Have a home inspection. A home inspection will give you an overview of the condition of your home and can help identify any potential issues that need to be addressed before something happens. 2. Get renters insurance. If you rent out your property, make sure to get renters insurance in case something happens to someone living in the house. This coverage can cover things like theft, damage due to natural disasters (like floods), and more.

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3. Purchase liability insurance. Thispolicy will cover you financially if someone represents yourself as an agent or landlord and commits a negligence or wrongful act on your behalf. 4. Make sure your security systems are up to date. Install good locks on all doors and windows, and make sure security cameras are recording inside and outside the property at all times. If you don’t have home insurance, it’s important to take

How to do property claims

If you have a claim with your home insurance company, there are a few things to remember. Follow these steps, and you’ll be on your way to getting the payday you deserve!

Not being covered over a certain amount

Jurupa Valley homeowners face a new and potentially costly wrinkle in homeowner insurance: coverage over a certain amount. Beginning Jan. 1, 2019, most homeowners in Jurupa Valley will no longer be covered for damages above a $250,000/$500,000 lifetime limit. What this means for homeowners is that if their home was damaged by a covered disaster such as a tornado or earthquake, they could be on the hook for the full cost of repairs or replacement. The limit is based on the home’s value at the time the policy was written (not currently inflated by market conditions). This change is the latest example of how high-cost disasters are hitting California communities hard – from wildfires to wildland fires. To make matters worse, many area homeowners are finding that their home insurance companies are refusing to provide coverage above the $250,000/$500,000 lifetime limit. Some insurers have gone as far as to list the Jurupa Valley area on their web sites as an exclusion zone for any property costing more than $750,000. This puts many home owners in a difficult position: They can either take on the entire cost of repairs themselves or find a willing insurer who

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