3 ways to keep your home safe while away on vacation

Protecting your home comes naturally, particularly when you are away. For most residents in Huntington Beach, CA, simply purchasing a home insurance policy isn’t enough. With the vacation excitement on air, it is easy to forget the basic home protection hacks like locking all doors properly, switching off most electrical appliances, closing the taps and leaving the security lights on. Western Republic Insurance Services helps you keep your home safe in three ways while on vacation.

1. Always double check doors and windows if they are properly locked

The doors and windows are our primary security. They would probably be the first place a burglar will check. Leaving your door open also makes your home vulnerable to animals and elements. Check all entry points, especially the back doors and exterior windows. Repair them if broken and lock them before you leave.

2. Do not announce your absence.

There are so many ways of notifying your neighbors and thieves that you are not home. Darkness is one indication that the home is deserted. It allows burglars to sneak in undetected. Your mailbox can also tell that nobody is home when your mails pile up. You want to fix this before you leave by creating the illusion that you are home. Let your neighbor pick the letters for you or request a mail hold. Leave the lights on mainly in the main rooms and outside.

3. Get your home security systems ready

Nowadays, there are very many home security cameras and systems to help you monitor your home while at home or away. Most security systems have alarms to scare away intruders or get them arrested. You can happily watch your Huntington Beach, CA home from wherever you are.

A home is a valuable asset. Protecting it is everyone’s priority. Before getting ready for that trip, ensure that you have it well secured with adequate home insurance from Western Republic Insurance Services because we are here to ensure you are safe.

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. 
 

 

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.

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 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.

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.

Three Things Every Person Buying Home Insurance for the First Time Should Know

Once you have bought a home in Huntington Beach, CA it is time to take out a home insurance policy to protect your new investment. Here are three practical tips that can help you get the best possible deal without undue hassle or delay.

Know What Factors Affect the Cost

Insurance agencies take many factors into account when deciding how much to charge for home insurance. These factors include proximity to first responders, crime statistics for your neighborhood, exact geographic location, water pressure in your neighborhood, the cost of rebuilding your home from scratch and much more. Insurers may also want to know if you smoke as doing so increases the risk of fire in your new home.

Get Acquainted with the Options and the Terminology

There are a number of common home insurance policies. Get acquainted with each one to determine which policy is best for your new home. You will also want to familiarize yourself with insurance terms such as actual cash value, riders, escrow, deductible, replacement cost and sub-limits. You need to know what your policy means or you may face unexpected surprises down the line when claiming compensation for some form of damage.

Choose a Good Insurance Agency

Western Republic Insurance Services is based in Huntington Beach, CA and has a track record for providing top quality service and assistance. If you want to find out more about your home insurance options, get in touch by phone or email or use the website’s handy online quoting feature to estimate how much your home insurance policy may cost. Western Republic Insurance Services also offers other types of insurance besides home insurance, making it possible for you to easily obtain full coverage from a single source.

 

What Does Home Insurance Really Cover?

Home insurance is something that every homeowner can benefit from and knowing what it covers can make a huge difference in what policy you choose. The agents at Western Republic Insurance Services in the Huntington Beach, CA area can help you find out just what your policy covers.

What Does Basic Home Insurance Cover?

Though all home insurance policies are going to cover a different monetary value as rebuilding each home is going to come with a different price tag, all policies cover some basic things. For starters, all policies are going to cover damage from fire, wind, ice, snow, and often from things like trees falling on the home and more. These are deemed acts of nature and are unavoidable.

Most homeowner policies are going to cover theft and break ins as well as the overall cost of replacing the contents of the home should they be damaged, destroyed, or otherwise need to be replaced. Your policy is also going to cover the medical costs of your guests should they become injured while on your property. If you have an aggressive dog breed you may need more insurance or if you have a home business you might also need more coverage.

Overall your basic policy is going to cover things that could happen any day of the week under normal circumstances. You can also purchase supplemental or extra coverage to help cover things like hurricane, flood and even earthquake. Most supplemental policies are going to cover things that are not common and that are not likely to happen every day.

For those that want to learn more about home insurance and what a basic policy is going to cover, the helpful agents at Western Republic Insurance Services in the Huntington Beach, CA area can help answer your questions.

Keeping Your Home Well Maintained Throughout the Fall Season

Fall is officially here.  While Huntington Beach, CA does not experience a “true” fall as other parts of the country do, there are a few notable weather changes.  For one, the temperatures begin to cool down this time of year.  With cooler temperatures, fall is a great time to schedule routine maintenance that ensures your home is well prepared for any season.  At Western Republic Insurance Services, we want our customers to be well-informed not only about their homeowner’s insurance but also how to protect their homes from potential issues that can be prevented. 

Roof and Gutter Maintenance

November is the beginning of the rainy season in Huntington Beach, CA.  Check your roof for missing shingles and make sure the flashing is in good shape to prevent potential leaks and water damage.  Clear debris from gutters and downspouts.  Clogged gutters and downspouts can lead to many potential water damage issues including wood rot. 

Door and Window Maintenance

Check the seals around windows and doors to make sure that air is not leaking in the house.  Caulk windows and replace the weather stripping around the doors if necessary.   Now that the temperatures are cooling down, open shades and curtains to allow natural heat into the home.  Fall is also a great time to clean your windows.

Yard Maintenance

Cooler temperatures also mean it is a great time to get outside and work in the yard.  Add mulch to flower beds to keep your plants protected and trim tree branches to reduce chances of falling limbs during a heavy storm.  Make sure your home is properly graded so that water runs away from it rather than collecting at the foundation as pooling water can seep into your home.

At Western Republic Insurance Services, we believe that with regularly scheduled routine maintenance this fall and throughout the year, your southern California home will be ready for any season.  

How to Move Like a Pro

Moving feels like such an ordeal, but with a little planning and a few pro tips, it can be so much more manageable. These three easy ideas can help you save on cost, time and frustration when you pack for your next move.

Save Money on Boxes

When it comes to packing, you need those boxes. While it might feel to buy them in bulk from a packing or moving store, they can add up in price pretty quickly. It turns out, free boxes are widely available if you know where to look. Namely, grocery and book stores are constantly receiving shipments that come in all shapes and sizes. Talk to an employee or manager at one of these stores, and they will often be willing to let you collect your fill before they get broken down for recycling.

Pack a Suitcase

Typically, for the first couple of days in the new place, most of your belongings will still be packed. Plan for that by packing essentials in a suitcase or travel bag that is easy to access. The checklist is simple. Pack anything that you would need to take on a weekend trip away from home. That will make sure you have access to change of clothes, hygiene products and the other little things that help you keep it together over the course of a day.

Save Space With Smart Packing

You can fit more in a box or bag by being a little creative. Fragile items can be safely wrapped in cloths or linens that need to be packed anyways. Small items can fit inside more spacious things like empty shoes or cups. The only limit here is your imagination.

You can plan for a safe and easy move, but make sure you take care of the new home too. You can get everything you need to protect your house from Western Republic Insurance Services. Talk to an agent today to get the package you need.