5 Amazing Facts about Umbrella Insurance

Umbrella insurance is an extra form of liability insurance with which you can insure your homes, boats, and automobiles. In case you have a liability claim that is not covered by your usual liability policy, an umbrella insurance policy will cover any liability claims within its limits. Some specific scenarios covered by umbrella insurance includes lawsuits, injury, and property damage. According to Western Republic Insurance services, there are five amazing facts about umbrella insurance. 

1. You can Lose Everything without It
There are many circumstances which can lead to very expensive lawsuits. Examples of these scenarios are when a branch from your tree falls and hits someone when you get into an accident and injure the other driver, and when a slips and falls dangerously in your yard. In all these scenarios, your typical auto or homeowners insurance will only cover you up to your liability limits meaning that you will have to pay the extra charges. With an umbrella insurance policy, the extra charges will be taken care of thus ensuring that your assets are not seized. 

2. Protects you from  Liability risks 
Your lifestyle can be ordinary and boring, but risks will be all around you. A dog can bite your guest; a kid can drown in your pool, you can accidentally hit a person with a car in your yard, and many other scenarios. After such occurrences, the liability claim can exceed your policy limits thus calling for extra coverage. An umbrella insurance coverage will protect you in these catastrophic scenarios ensuring that you remain stable financially. 

3. Umbrella Insurance is cheap
As per Western Republic Insurance services, umbrella insurance charge is approximately $250 per year which will guarantee you a million dollars of excess liability coverage. As such, you will be properly covered at a little-added cost.

4. You may need to juggle your coverage
To purchase an umbrella insurance policy, you will need to bundle up all your policies with one service provider to be eligible for policy discounts which will offset the extra costs of the umbrella policy. 

5. Umbrella Insurance will protect you against worst-case Scenarios
Your primary policy will only protect you from typical accidents and damages whereas the umbrella policy will protect you from disastrous events which can lead to serious financial repercussions.

To learn more check on Western Republic Insurance Services.

Ace in the hole: How umbrella insurance works

The understanding that many people have regarding umbrella insurance is that it’s basically a bundle deal: Covering your house, car, boat and business all in one go. It does cover your house, car, boat and business all in one go, but it’s not exactly bundled insurance.

The key difference is that bundled insurance provides your primary policy when you need to make a claim. You might make a dozen claims without dipping into your umbrella insurance, or you might need it on your very first claim. Umbrella insurance is an additional policy that you can lean on when your current policy does not cover the claim.

The alternative to an umbrella policy is to get extensive coverage on each individual policy that you hold. That’s fine if you don’t have too much to cover, but it can get pricey over two cars and an RV and a house and etcetera. With umbrella insurance, that extra money can go to any damages you might incur, you don’t have to move the money around and pick and choose and try to figure out where your risks lie. If you suffer damages that your primary policies will not cover, you can dip into the umbrella insurance and make a claim to cover anything that you need to cover.

Western Republic Insurance Services in Huntington Beach, CA can help to connect you to an umbrella policy that helps to keep you covered no matter what comes your way. They say that insurance is something that’s better to have and not need than have and not need. That’s doubly true for umbrella coverage.


Will my HOA insurance cover my belongings from fire damage?

The short answer is, no. 

Homeowner’s Association (HOA) Insurance basically covers the outside shell of your unit. Outer walls, ceilings and common areas like hallways and lobbies are usually covered. If your condo has a shared gym or library accessible by all HOA members, it is likely covered as long as the HOA carries a fire rider.

What can I expect from condo insurance?

  • Liability coverage protects you if someone or something is harmed while in your unit. If you are held responsible, condo insurance can help pay for medical bills and repairs.
  • Choose a level of personal belonging protection, so you will receive current value if items are stolen or damaged. Check with Western Republic Insurance Services to determine if fire damage is covered.
  • Condo insurance should cover the interior structure wherever your HOA insurance leaves off. Many condo owners find out the hard way that interior walls, flooring, and countertops are not covered by most HOA policies.
  • Loss assessment coverage protects you if you are found responsible for damage to the exterior structure or common areas that would have normally been covered by the HOA policy.
  • Residents in the Huntington Beach, CA area are wise to choose a loss of use option. As long as the reason for a loss of use is covered, this option provides additional living expenses or fair rental value to keep a roof over your head until the condo is habitable again.

Western Republic Insurance Services would love to answer questions about condo insurance coverage. Give us a call to determine how specialized condo insurance in the Huntington Beach, CA area can help get you back on your feet after a fire.



Difference Between Condo Insurance And Homeowner’s Insurance In Huntington Beach, CA

If ever decided to get an insurance cover, then you’ve most likely heard terms like condo insurance and homeowner insurance. If you’re like most people out there, you may not know the difference between the two; you just want to protect your home. For residents in Huntington Beach, CA, this is what you need to know about the two insurance types.

At Western Republic Insurance Services, our job doesn’t stop at selling you insurance cover, but in keeping you informed as well.

The difference between the two insurance types is minor. They differ mainly in sections like dwelling coverage (how large a space they cover), additional structures, and loss assessment.

Dwelling Coverage

When you purchase a home, you’re getting both the interior and the surrounding exterior. Whereas with a condo, all that’s yours is what is inside the condo. The homeowners’ insurance policy covers to both the interior of the house and the exterior. While condo insurance only covers what is inside the, including the floor, ceilings, and walls.

Other Structures

Another difference between these two insurance plans is the structures they cover. Homeowners’ insurance policy covers structures like mailboxes, detached garages, lawn ornaments, and fences and so on. Condo insurance, on the other hand, doesn’t cover any structure.

Loss Assessment

With a condo insurance policy, you also get loss assessment coverage. This coverage protects you if the homeowner’s association decides to assess all units for uncovered cost because of cover claims. This is however absent in a homeowner insurance policy


If we’re talking about these two insurance policies, it’ll be incomplete if we don’t talk about the cost. Condo policies can go for as low as a third of the premium cost of a homeowner policy. The premium can, however, vary, depending on the size and the value of your property.

Do you reside in Huntington Beach, CA? Would you like some additional information on what you’ve learned so far? Then why not meet up with the helpful agents at Western Republic Insurance Services.


Why Riders Are Worth The Money On Home Insurance

When you purchase home insurance in Huntington Beach, CA, it’s important to look at the level of coverage that you get. Your policy will automatically provide you with coverage on your dwelling, your belongings, as well as liability coverage. However, there are riders that can be added to your policy – and they are well worth the money.

Fill in the Gaps

Your policy doesn’t include everything. Riders give you the opportunity to customize your policy. At Western Republic Insurance Services, we take the time to understand your individual needs and help you create a policy that provides you with a greater level of financial protection.

You can have protection against storms, high-value items, earth movement coverage, and much more. This way, if something happens to your home, you can file a claim confidently knowing that the insurance company will take care of the majority of expenses.

Maximize Protection

The whole reason you have home insurance is to have protection on your home. You don’t want to be denied a claim simply because you didn’t add a specific rider to your policy. The cost of adding riders is minimal in comparison to what it could cost you if something were to happen to your home.

By working with a professional insurance agent, you can learn which riders make the most sense for you to have. Additionally, it’s possible to get quotes from multiple insurance companies to get the most affordable policy possible for your home in Huntington Beach, CA.

When you are ready to learn more about home insurance and how various riders can offer you a greater level of financial protection, contact us at Western Republic Insurance Services for assistance. We will help you to find a policy that makes sense for you and your home.



Does Commercial Insurance Cover Property?

There are hundreds of different types of insurance from policies that are geared toward protecting your car to those that protect your home. One common insurance type is commercial insurance; this is a type of business insurance that is used to help protect business owners. For those that live in the Huntington Beach, CA area, the agents with Western Republic Insurance Services can help you find the perfect commercial policy.

Commercial insurance is first and foremost put in place to protect the business itself. This can be a policy to protect the physical building, one to protect the assets of the owner, or one to protect the actual property within the business. Most commercial policies are going to cover the building itself and the contents or merchandise and other elements that are in the business. This is to help protect business owners if there is a fire or other similar disaster and merchandise is destroyed and does need to be replaced.

Commercial policies are also going to cover the furniture, electronics, and other items that are held within the building. This is similar to the contents clause in your homeowner’s policy. Commercial insurance is meant to protect every aspect of the business and to protect the business owner from loss and damage so that if something does happen, they can get back on their feet and start going again. Commercial insurance is put in place to help keep business owners from experiencing monumental loss that would inhibit their business and stop the continuation of the business.

For those that live in the Huntington Beach, CA area, the agents with Western Republic Insurance Services can help you find the perfect policy to protect your business and keep moving even if there is a disaster.

Traffic Violations That Can Affect Your Auto Insurance

Traffic violations not only cost you in fees and court costs but can also increase insurance premiums as well.  Most traffic violations will become part of your driver record which the insurance company will use to determine the risk of insuring you.  Being listed as a high-risk driver will raise your premium rates and sometimes even reduce your insurance options.  At Western Republic Insurance Services in Huntington Beach, CA, we know the impact that traffic violations can cause.  Some of the traffic violations that can affect your insurance rates include:

  • Parking Tickets – While a few parking tickets will most likely not increase your rates, an excessive amount might catch your insurer’s attention.
  • Speeding Tickets – One speeding ticket may not affect your rates if you attend a defensive driving course as long as the number of miles over the posted speed is low.  Repeated speeding tickets or citations for excessive speed may cause a drastic spike in your rates as speeding plays a significant role in many traffic accidents.
  • Running Red Lights, Failure to Yield, and Improper Passing – These lesser infractions will not cost you as much in fees, but will result in a slight rise in your insurance premiums.  Insurance companies see failure to follow road signals as being a higher risk for an at-fault accident.
  • DUI or DWI – Both DUIs and DWIs are considered severe infractions on your driving record and may not only lead to significantly higher rates but may also result in your policy being canceled.  Once canceled your only options may be more expensive high-risk insurance policies.
  • Reckless Driving – A charge of reckless driving will result in a significant jump in your insurance rates if your insurance company chooses to continue your coverage.  This charge can also result in suspension of your license which will require high-risk insurance when it is time to reinstate.

No matter how big or small, traffic violations will impact your driving record and in turn your insurance premiums.  If you would like more information on how traffic violations can affect your car insurance rates, or need an auto insurance quote, contact Western Republic Insurance Services in Huntington Beach, CA today.

Does Your Credit Score Affect Your Homeowner’s Insurance Rate?

When you are looking to purchase a new home insurance policy, you may do some research online to find out what factors affect the amount you will pay. As you research, you may come across information that states that your credit score will affect your home insurance rates, leaving you to wonder if this is true. Here is some information from Western Republic Insurance Services about credit scores and insurance rates.

Do Insurance Agencies Look at Your Credit Score When Determining Your Rate?

By law, insurance companies in the greater Huntington Beach, CA area can look at your credit score when determining what amount to charge you for any type of insurance policy, including auto, home, business and life insurance. However, this does not mean that every company will run your credit score or look at it when determining your rate. That is up to the insurance company.

Why Does Your Credit Score Impact Your Rate?

When you obtain an insurance policy, you typically make monthly payments on the insurance policy. If your credit score is low, it typically shows that you have a history of not paying your bills on time or at all. This is a liability for the insurance policy. They cannot simply cut off your policy if you fail to make a payment. They have to provide you notice they intend to terminate your policy and give you time to bring your account current. If something happens during this timeframe, they still have to provide you with coverage, even though it has not been paid for, which is a liability and the reason they may charge more if you have poor credit.

When it is time to buy a new homeowners insurance policy in the Huntington Beach, CA area, let Western Republic Insurance Services assist you. We look at many factors to determine a fair and reasonable price for your homeowners insurance policy. Give us a call today or come by our office to obtain a free price quote.

When Should Your Auto Insurance Be Updated?

Did you recently install new rims on your car? Did you spring for a brand new stereo system? Did you choose liability only for your car when you first bought it because it was the cheaper option? Western Republic Insurance Services doesn’t want the people of Huntington Beach, CA to be caught off guard if something happens that isn’t covered by their car insurance. Find out more about how it works, and when you should consider updating your policy. 

Increasing Your Value 

When you increase the value of your car, the cost of what needs to be insured also goes up. Instead of letting those investments be wasted if your car is either stolen or otherwise damaged, you can change your policy to reflect the new value of your car. For the most part, car’s will depreciate in value when driven off the lot, but additions can change that quickly (especially to the driver.) If something does happen, you can start getting everything back to normal that much faster when you have the right policy. 

Facing the Music 

The other reason to update your insurance policy is when you don’t have enough coverage to protect yourself against certain events. For example, most people don’t know what will happen if they’re in a hit and run accident. Many would assume that their cars would be covered, but that might not be the case. If someone hits you in Huntington Beach, CA or if you happen to cause an accident, Western Republic Insurance Services  wants you to be as prepared as possible. We’re ready to talk to you if you want an opinion about current coverage and whether or not it’s enough. Call us for more information to find out more about how we can help. 

Tips for Finding the Right Home Insurance Policy for You

There are so many different home insurance policies available. This can make finding the right one for you challenging. Here are a few tips that will help you hone in on the right insurance policy to fit your needs.

Find the Right Coverage Amount

When it comes to home insurance, the right coverage amount is extremely important. A great insurance agent has the ability to determine fair market value of your home and how much it will take to rebuild your home in the event of a catastrophic loss. Always ensure that the policy you are buying has the right coverage amount for your home.

The Deductible Amount

Another important tip for finding the right policy for you is to pay close attention to your deductible amount. If you have to file a claim, the deductible amount is the amount you will have to pay out-of-pocket. Some deductibles can be high, whereas others are low. Always weigh the pros and cons of a high or low deductible to help you determine which is ideal for you.

The Process of Filing a Claim

The last tip for finding the right policy for you is to actually ask an agent giving you a price quote how you would go about filing a claim and what happens after you file. If you are dealing with a national company, you may have to call in to a call center and sit and wait for someone to call you back and set up appointments. Many people find that dealing with a local agent helps the process go smooth and quickly. Always consider how a claim is handled when selecting an insurance company to use.

If you are looking to purchase a new home insurance policy in the Huntington Beach, CA area, contact Western Republic Insurance Services. Our agents are knowledgeable and helpful, helping to find you the perfect insurance policy. Call us now to get started.