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As the holiday season is in full swing, it is important to make sure your San Diego personal insurance program is up to date. In order to minimize the risk to you and your family, you need to make sure you have your home insurance policy set up correctly. Here are some things you need to be aware of this holiday season.

Now is an excellent time to review your personal insurance policies, making sure they’re up to snuff. While many of your risks are probably covered, a few might not be as explained below; if you have questions, give us a call.

Top Holiday Risks

  • Tree and candle fires
  • Theft
  • Falling off a ladder while putting up lights
  • Water damage from leaking tree holders
  • Cooking fires
  • Auto accidents while driving to see family
  • Snow and ice damage
  • Theft of packages form your front porch
  • Injured guests
  • Food poisoning
  • Identity theft
  • Theft of personal property form your vehicle
  • Overloaded electrical equipment
  • Fires caused by blocked dryer vents or faulty filters

Holiday Insurance Solutions

San Diego Homeowners Insurance

The right homeowner’s insurance can offer you a great deal of peace while protecting your investment. With all-important purchases, it is important to get the best possible combination of coverage, price, and service. When you call our office, we can shop and compare coverage with many different insurance companies.

Price should not be your only consideration; we recommend having the right coverage that is designed for your family. These are the kinds of coverage you might consider.

• Coverage for your dwelling

• Personal property coverage

• Loss of use coverage

• Liability coverage

• Identity theft

• Coverage for personal property away from your home

• Coverage for other structure coverage

A homeowner’s insurance policy consists of coverage for your dwelling and your personal property. It also includes liability insurance, which pays for injuries to other people or damages to their property accidentally caused by you, your family, or your pets. You also can buy several types of additional insurance for property that is not listed in your homeowner’s policy or for perils not covered, such as flood for which you need a separate policy

San Diego Auto Insurance

Everyone needs a good auto insurance policy. We have access to many markets that can offer special coverage or perks. These may not be for every driver, but you may want to consider these. These options can be quoted with your regular auto insurance coverage.

Having the right kind of auto insurance can protect you from serious financial loss.

• Auto liability

• Auto physical damage & collision

• Uninsured motorist

• Personal injury protection

• Auto medical payments

Here are a few auto insurance coverage you might consider this holiday

Roadside Assistance

Some auto insurance companies offer roadside assistance; in the event you need to be towed after an accident. This coverage often also means the insurer will send someone with extra fuel if you run out of jumper cables if your battery is dead.

ATV and Snowmobile Insurance

Winter is a great time to use your ATV or snowmobile. Thousands of people look forward to that blanket of white and the pleasures of enjoying the outdoors on snowmobiles. There are few joys greater in life than being able to escape the daily grind on your snowmobile, motorcycle, or ATV. These do create liability; make sure you are protected.

These machines can weigh as much as 500 pounds and travel over 50 miles per hour. Like any other vehicle, you are liable for any damage and injury you cause. Insurance can protect your legal liability in the event you injury a third party.

 

Identity Theft Insurance

Identity fraud is defined as the unauthorized use of another person’s personal information to achieve illicit financial gain, said Javelin Strategy & Research, which reported a 13 percent increase in this type of illegal activity in 2019. 

Identity theft insurance coverage usually covers assistance in straightening out the aftermath of identity theft (such as canceling unauthorized accounts and so forth), which is generally easy when the fraud involves credit cards but can be more time-consuming for accounts at banks and other institutions.  Source: Consumer Reports

Thieves can take information from identifying documents and use them to impersonate you, steal from your bank accounts, establish phony insurance policies, or open unauthorized credit card accounts in your name.

Accidents do happen, unfortunately. And if they do, then you will want to make sure that your auto insurance coverage is there to help protect you. Talk to your insurance agent about your car insurance policy before disaster hits!

We’ll get you the protection you need to cover the roof over your head. That means we’ll get you the protection against fire, theft, damage—even dog bites!

 

Posted 7:05 PM

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