Does homeowners insurance cover wildfires in California?

California is home for many private insurers who offer homeowners’ insurance cover for wildfire. Since the fire season happens year-round, it is imperative as a Californian to take a wildfire policy if you live in a high-risk landscape or terrain. Serving this great state, Huntington Beach, CA, Western Republic Insurance Services provide you in this piece the necessary specifics to help you stay ahead of the plans.    

What do insurers consider a bush? 

Usually, your insurer will have to assess your topography or geographical location and home nearness to surrounding bush. Carriers define a bush as any live or dead thicket, dried grass, shrubs, trees, and vegetation not entirely well controlled near or on the low ground around your residence or property. This is because such bushes are highly likely to catch or fuel the spread of wildfires during the devastation. Hence, understand California wildfire cover contractual rules and regulations before grooming a garden near your house. Also, it is essential to clear out any flammable bush that might be around your property. 

Other aspects carriers look at 

Insurance companies might inspect the wind pattern data collected from your area. If there is a high tendency for wildfires to be blown in the direction of your home, your location could be marked as a top risk spot. Most insurers also look at up to 1,000 feet close vicinity to an abundant water supply and your home closeness to a fire hydrant.

Other contemplation includes nearness to a fire station, public protection classification, and sloppiness of area for the quick home accessibility. Would you like to have your home assessed as you comply for a wildfire cover? Talk to Huntington Beach, CA, Western Republic Insurance Services today. Their certified professional insurance agents will see you through every step of the way. Our passion is to see you safely equipped for any future perils. 
 

 

Does my small business need business income insurance?

Having a small business in Huntington Beach, CA is rewarding and challenging. Your company is probably your biggest investment, and you spend most of your days thinking of how to make it better. 

At  Western Republic Insurance Services, you can get a variety of insurance policies that will protect your small business. Most of them seem obvious, like property insurance, liability and commercial auto insurance. But depending on your circumstances, it may be a good idea to further protect your business with an income loss policy. 

If it was possible to predict when disaster was about to strike, there wouldn’t be any point in insurance. The reason insurance is a viable industry is because it deals with calculated risks. 

Can your business handle a closure?

Most businesses have a difficult time when faced with an unexpected closure. It is impossible to bring in income when you’re closed, but that doesn’t mean the bills stop coming in. 

Depending on the size of your business, the number of employees and the available assets, it may cause your business great hardship to be closed even for a short time. 

What business income insurance covers

Your business could be closed because of a fire, natural disaster or other unexpected reason, such as illness, injury or even a cyberattack. Fixed expenses like rent, wages, and other necessary items can still be paid if you have a policy in place to replace your lost income. Income insurance is surprisingly affordable, too.

Don’t leave your Huntington Beach, CA business vulnerable to the unexpected. Contact Western Republic Insurance Services so that our friendly agents can help you decide how much income protection to get for your business. 

Who Is Responsible For Damages If Your Car Is Parked At An Apartment Complex?

In Huntington Beach, CA, residents who live in apartments must always be watchful of their vehicles to ensure they are parked safely and their designated spaces. At Western Republic Insurance Services, agents are well aware of the risks associated with parking in apartment parking lots and try to give their clients tips on how to keep their vehicles safe.

Negligence 

Living in a gated complex that requires some type of identification to gain access to the apartments may put some of the liability on the complex itself. This is especially true if the gate is broken. If your car is damaged while at your complex, a police report should be filed and the complex manager notified as soon as possible. It’s also a good idea to find out if other cars were damaged during the same time period. 

Hit And Run

Damaged caused by a collision or a hit and run will be the responsibility of the other driver, especially if your vehicle is parked appropriately. While the apartment complex should be notified, there isn’t much they can do unless the person who hit your vehicle was also a resident. Once a police report has been filed, the police may be able to identify the other driver. Once that happens they can be held responsible for the damages to your vehicle.

If you have any questions about how your insurance handles certain types of accidents or damage, call Western Republic Insurance Services today and schedule an appointment. They are always available to help residents of Huntington Beach, CA find the answers they need.

Restaurants and Umbrella Insurance Coverage

A bit of a problem was going around California for a while. A party would enter a restaurant, look at the surrounding, moving around a bit and then leave. Then, a few weeks later the restaurant business would get a letter demanding a legal settlement of $10,000 or the business would be sued for violating the Americans With Disabilities Act by not making the facility accessible to disabled patrons. Many restaurants paid the settlement to make it go away. Others then tried to seek insurance coverage for the claim and were denied because their policy didn’t coverage ambiguous ADA claims versus spelled out liabilities. This is where an umbrella insurance plan could help provide needed protection. Unlike specified liability plans, an umbrella plan provides an additional safety layer for a Huntington Beach, CA restaurant to deal with the "everything" else problems that appear in liability claims or to provide additional protection where an existing policy is not enough.

Restaurants are particularly susceptible to claims because they 1) hire multiple employees, 2) deal with a lot of people daily, and 3) have product liability for the food served. This multiple-risk situation makes a typical restaurant susceptible to far more claims than other businesses and industries. To understand what kind of exposure exists in the food serving business and how to get umbrella insurance protection, Huntington Beach, CA business owners in food service should really have a good discussion with the experts at Western Republic Insurance Services. Time and again, they have seen restaurants that could have been protected fold because they got hit with a miscellaneous claim that wasn’t anticipated by general liability coverage. Call Western Republic Insurance Services for more information today!

Restaurants and Umbrella Insurance Coverage

A bit of a problem was going around California for a while. A party would enter a restaurant, look at the surrounding, moving around a bit and then leave. Then, a few weeks later the restaurant business would get a letter demanding a legal settlement of $10,000 or the business would be sued for violating the Americans With Disabilities Act by not making the facility accessible to disabled patrons. Many restaurants paid the settlement to make it go away. Others then tried to seek insurance coverage for the claim and were denied because their policy didn’t coverage ambiguous ADA claims versus spelled out liabilities. This is where an umbrella insurance plan could help provide needed protection. Unlike specified liability plans, an umbrella plan provides an additional safety layer for a Huntington Beach, CA restaurant to deal with the "everything" else problems that appear in liability claims or to provide additional protection where an existing policy is not enough.

Restaurants are particularly susceptible to claims because they 1) hire multiple employees, 2) deal with a lot of people daily, and 3) have product liability for the food served. This multiple-risk situation makes a typical restaurant susceptible to far more claims than other businesses and industries. To understand what kind of exposure exists in the food serving business and how to get umbrella insurance protection, Huntington Beach, CA business owners in food service should really have a good discussion with the experts at Western Republic Insurance Services. Time and again, they have seen restaurants that could have been protected fold because they got hit with a miscellaneous claim that wasn’t anticipated by general liability coverage. Call Western Republic Insurance Services for more information today!

Restaurants and Umbrella Insurance Coverage

A bit of a problem was going around California for a while. A party would enter a restaurant, look at the surrounding, moving around a bit and then leave. Then, a few weeks later the restaurant business would get a letter demanding a legal settlement of $10,000 or the business would be sued for violating the Americans With Disabilities Act by not making the facility accessible to disabled patrons. Many restaurants paid the settlement to make it go away. Others then tried to seek insurance coverage for the claim and were denied because their policy didn’t coverage ambiguous ADA claims versus spelled out liabilities. This is where an umbrella insurance plan could help provide needed protection. Unlike specified liability plans, an umbrella plan provides an additional safety layer for a Huntington Beach, CA restaurant to deal with the "everything" else problems that appear in liability claims or to provide additional protection where an existing policy is not enough.

Restaurants are particularly susceptible to claims because they 1) hire multiple employees, 2) deal with a lot of people daily, and 3) have product liability for the food served. This multiple-risk situation makes a typical restaurant susceptible to far more claims than other businesses and industries. To understand what kind of exposure exists in the food serving business and how to get umbrella insurance protection, Huntington Beach, CA business owners in food service should really have a good discussion with the experts at Western Republic Insurance Services. Time and again, they have seen restaurants that could have been protected fold because they got hit with a miscellaneous claim that wasn’t anticipated by general liability coverage. Call Western Republic Insurance Services for more information today!

Do I need another policy, or can I just get an umbrella policy?

If you own property or a business in Huntington Beach, CA, you may be worried about different risks you may be facing. A traditional insurance policy might not have a high enough maximum payout to make your protective. At Western Republic Insurance Services, you can obtain an insurance policy for auto, property, business and other needs. But an umbrella policy has a higher limit, so you may be wondering if you can simply obtain an umbrella policy to get the highest level of protection possible.

An umbrella policy gets its name because it extends the coverage area of other policies. It acts like an umbrella, spreading out to protect the person using it. But it is by definition also a supplemental policy. Unfortunately, that means you need to get another policy first before you add the umbrella policy. 

You can add your new umbrella policy to many other kinds of policies, including property and auto insurance. Businesses especially find the extra protection valuable. Not only can you raise your policy limits significantly, you can also extend your kinds of coverage, depending on your type of insurance. Anyone with a particularly valuable asset, or who might be especially vulnerable to lawsuits, could probably benefit from an umbrella policy. 

If you have significant assets or a business in  Huntington Beach, CA, you don’t want to be stuck trying to pay all the bills out of your own pocket if you suffer a significant loss. Call Western Republic Insurance Services today so you can find out how an umbrella policy can help your special situation. 

What do You Need to Know about Condo Insurance?

As a condo owner, it’s important to have individual insurance coverage to protect your personal property. Your association’s master insurance policy is designed to protect the exterior of your building and common areas. You are responsible for the interior of your unit and personal belongings.

Before purchasing insurance for your unit, review your master policy to see the level of coverage it has to offer. This will give you a better idea of what kind of condo insurance to get for your property. The following steps can be helpful in guiding you through the process of buying condo insurance.

Examine Master Insurance Policy

Master condo policies vary in the level of protection they offer. Some offer “bare bones” protection while others provide “all-in coverage.” All-in coverage covers structural elements such as ceiling, walls, and floors of the interior of your condo. This could reduce the amount of coverage you need to protect this aspect of your property or eliminate it altogether. You would, however, still be responsible for liability risks and protection of personal belongings.

Determine Personal Belongings Coverage

If you own costly goods, you would do well to obtain personal property coverage from Western Republic Insurance Services, Huntington Beach, CA. This insurance will cover the cost of repairing or replacing personal belongings such as clothing, jewelry, electronics, artwork, furniture, appliances, etc. if these are stolen or damaged. Without this coverage, you risk having to replace these items on your own.

Consider Liability Coverage

Your condo master policy covers accidents that occur in common areas such as tennis court or gym. If an accident were to injure a visitor while he or she is in your unit, you would be held responsible. For this reason, it’s important to have liability coverage for your condo.

For help in selecting the right insurance coverage for your Huntington Beach, CA condo, contact your Western Republic Insurance Services agent.

Should You Buy More Life Insurance?

Will the life insurance your employer provides be enough to take care of your family? At Western Republic Insurance Services in Huntington Beach, CA, we know many heads of household worry over this. Truth be told, the life insurance offered by your employer may not be enough.

Generally, employers provide their employees with life insurance at no cost. But is that coverage enough? Most people need life insurance coverage which is equal to, or greater than, at least five times their current annual salary. But some experts say that isn’t enough; they recommend as much as ten times your current salary. Ask yourself this: Would your death place a financial burden on your family? If the answer is yes, you need to look into supplemental life insurance.

Death Benefits

It’s also a good idea to look at your complete financial picture. The death benefits from your life insurance won’t take into account other things like second incomes, medical insurance benefits, and even retirement contributions.

Plus, while your employer may provide health insurance for your spouse, it won’t necessarily provide life insurance for your him or her. Couples often overlook this. This is especially problematic if one person stays at home to take care of the kids or simply works for an employer who does not provide life insurance.

Added Coverage

There’s no reason not to take advantage of the free or low-cost insurance your employer offers, but it might not be a good idea to have that as your only source of life insurance. You’ll want to think about purchasing additional life insurance on your own. Shop around and look for a policy that fits your needs. Make sure it will cover you and your family under any circumstances.

When you are looking for life insurance in Huntington Beach, CA, call Western Republic Insurance Services. We can help you find the correct amount of life insurance for your family.

Can You Lose Your Home If Your Homeowner’s Insurance Is Canceled?

If you own your home and don’t have a mortgage, there’s no legal requirement to have homeowner’s insurance.  While it’s a really bad idea to go without, you could decide to self-fund any damages or losses that occur. However, if you have a mortgage on your home, your financial institution will require you to have homeowner’s insurance. This is true in Huntington Beach, CA or anywhere you get a loan.  The lender is using the home’s value as collateral to protect their investment in case of a loss.

You May Be In Default

Depending on the language in your loan documents, if your insurance is canceled and you don’t replace it, or are unable to replace it, you may be in default.  That can lead your lender to start foreclosure proceedings and you would be at risk to lose your home if you can’t pay off your mortgage balance.

More likely, however, is that the lender will purchase insurance on your behalf to protect their collateral.  This is known as “forced placed insurance.”  Let this happen at your own peril, however.  The replacement insurance they purchase may be significantly higher – five times as high according to one recent study – and you’ll still be required to pay for it. Lenders have the right to use funds that are in your escrow account, which you will be required to fund, meaning your mortgage rates might go up significantly.

If you are in danger of non-renewal or cancelation, contact Western Republic Insurance Services.

Reasons For Cancelation

There are several reasons your policy may be canceled.  Here are the most common:

  • Physical changes or damage to your property
  • You fail to make timely payments
  • You let your policy lapse

In California, insurers are required to give you notice of cancellation at least 20 days before it goes into effect.  For non-renewal, insurers need to give you 45 days before the expiration date.  When a lapse in coverage happens, your lender will be notified.  They are likely to immediately purchase a new policy, which will likely cost you more and have less coverage.

We Can Help

If you have received a cancellation or non-renewal notice, don’t wait.  Contact the experts at Western Republic Insurance Services in Huntington Beach, CA for help with your homeowner’s insurance and all of your insurance needs.