Why Every Homeowner Needs Home Insurance

When you are a homeowner, it’s essential to get home insurance and to keep it. When you don’t have home insurance, you are vulnerable to several expensive risks that can affect homes and cause them damage. Call us at Western Republic Insurance Services in Huntington Beach, CA today when you need home insurance.

Coverage for Your Home

Home insurance comes with several kinds of coverage in the policy. One of these is protection for the dwelling. When you have this coverage, it can pay your home when a covered event causes damage to it. Covered events will be spelled out in the policy and may include certain accidents, disasters, calamities, and other incidents. These can cause untold damage to a home, and home insurance is important for paying for the repairs needed afterward. 

Protection for Your Possessions

Covering your home is essential, and protecting your possessions inside your home is also highly important. When a covered incident happens that destroys what you own, your home insurance can pay for you to replace those items. This is important insurance when you consider how much everything you own is worth when you add it all together. This coverage may be almost as valuable as your dwelling coverage in some cases. 

Coverage for Liability

When you own a home, you are liable for what happens there. That means that if someone comes into your home and has an accident that leaves them injured, you are responsible for the resulting medical costs. When you have home insurance, your policy will pay for those costs to save you money. 

Get Home Insurance

If you don’t have home insurance, don’t wait to get it. Call us at Western Republic Insurance Services in Huntington Beach, CA.

3 Reasons to Update Your Homeowner’s Insurance

While it’s a massive step in the right direction to insure your Huntington Beach, CA home, you need to do a little more work on your home insurance. Renewing your home insurance every year is vital, but it would be great if you updated your home insurance to ensure that it reflects your current needs. This way, you won’t be underpaying or overpaying your home insurance premiums.

Not sure when you should update your home insurance policy? Listen to what Western Republic Insurance Services has to say. 

Home renovations

When you revamp your kitchen or redesign your master bedroom, your home value increases. These renovations mean that if your home were to be rebuilt from scratch today, it would cost more than it would before renovations. 

For this reason, it would be great if you sit down with your insurance agent to review your home insurance policy. Otherwise, you will be paying reduced premiums, but you will incur out-of-pocket expenses to repair your home if a disaster strikes today. 

Home business

Days are gone when business had to be conducted in a brick-and-mortar office. Today, many homeowners are running their businesses from home. While this is perfect, there is a problem. Your standard home insurance won’t cover liabilities emanating from your business. As such, you need to update your current home insurance policy or purchase a separate commercial insurance plan. 

New features

Have you added a new home surveillance system? Or perhaps you have installed a swimming pool or trampoline? This is great for your home, but your insurer needs to know. These additions affect your coverage in various ways. 

A trampoline or swimming pool increases the risk of injuries, meaning you need to increase your liability coverage. On the other hand, a home security system could reduce your premiums.

Buy home insurance today!

Would you like more information on home insurance? Please contact Western Republic Insurance Services, serving Huntington Beach, CA, and its environs. Better yet, we can help you insure your home today. Contact us for an affordable quote.

Is That Covered by my Home Insurance?

Home Insurance

Homeowners insurance is one of the most important plans you have. Western Republic Insurance Services can help ensure you have the coverage that best fits your needs. Serving the Huntington Beach, CA area, the agents at Western Republic Insurance Services will take you through step by step what the policy will cover and how it can tie into your other insurance plans. Your home needs to be covered because who knows when an accident may occur?

Why do we need home insurance?

Appliances aren’t going to last forever. Some of them can cause pretty serious issues when they go out. A 50-gallon water heater that suddenly rusts through is going to take more than just a few towels to clean up. The damage to the drywall and surrounding carpets may require specialists to come in and repair. Plus there is the urgent problem of no longer having a functioning water heater. Home insurance will generally cover water damage, making repairs far more manageable. Speak with an agent to find out the specifics your plan covers to ensure you have the right coverage for your needs.

Imagine living on a sharp corner of a road. You know that eventually, a car is going to miscalculate the speed and fly right through your living room wall. Home insurance can help you cover this. Most people choose not to buy the house on the corner like that, but if you do, just make sure you’re covered. Home insurance is one of the most important pieces of insurance you can purchase. A home is a complicated, ever-evolving structure that will surprise you with issues when you are least prepared. Stop off at  Western Republic Insurance Services if you are around the Huntington Beach, CA area, and have their agents find a plan that meets your needs today.

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.