Tips to Secure Your California Condo From Theft

Securing your condo is essential if you enjoy the contents inside and would like to keep them. For many residents living around Huntington Beach, CA, securing their condo is essential. At Western Republic Insurance Services, we want to keep you safe. Below are tips to keep in mind when you leave your condo and want to prevent a tragedy such as theft or vandalism from happening. 

Lock the door, silly

Seriously. Most condos only have one door into the home, and that door should stay locked for security purposes. Even if you are home inside the condo because theft can happen when you are home. While most thieves are deterred from entering your condo when you are home, there are a few that may take advantage of the situation. 

Are the windows secured? 

If you live on the first or second level of your condominium, it is critical to always keep your windows locked and secured. Burglars are able to take advantage of open windows and climb right in your condo if you are not careful, and the lower two levels are often the popular targets for this type of entry. 

Timer, anyone? 

Planning to be gone for an extended period from your condo? Take advantage of electronic timers that will turn on the television or radio in your home. This will give the idea that someone is home and most burglars will choose not to enter your home, protecting your belongings. 

Condo Insurance

Sometimes, thefts happen despite all the steps you put in place to protect your condo. Should you fall victim to one of these tragedies, a condo insurance policy from Western Republic Insurance Services is available for your assistance. If you live in or around Huntington Beach, CA, contact us today for more information. 

Does Classic Car Insurance Cover Contents?

Classic car insurance is something that anyone who owns a classic car can benefit from greatly. This type of coverage does a great deal to help make sure you are going to be able to rebuild or replace your car if something happens. For those in the Huntington Beach, CA area, the agents with Western Republic Insurance Services can help you to get the best coverage for your classic car.

Your classic car policy is similar yet different from a typical car insurance policy. With a classic car policy, it is going to insure the value of the car indefinitely. The value is not going to go down as the car ages and you are going to be able insure that you are going to be able to rebuild or replace no matter what happens to your car. Classic car insurance does not usually cover the contents of your car to any extensive amount. It will cover things like possessions that you have in the car with you but the main purpose of classic car policy is to protect the car itself rather than worry about protecting what might be in the car.

This type of policy covers things like storm damage, accident damage, and damage that is associated with breaks in and that sort of thing. Classic car coverage is something that any classic car owner can benefit from greatly and that you can surely get a great deal of coverage for if you do have a classic car. For those in the Huntington Beach, CA area, the agents with Western Republic Insurance Services can help you to get the best coverage for your classic car and for any considerations that you might have regarding it and regarding protecting it from damage or harm.

Does My Commercial Insurance Cover Shoplifting?

Losses due to shoplifting can be financially draining on a business. Most commercial insurance policies don’t cover shoplifting losses which means up to the business owner to make sure those types of losses are kept to a minimum. The agents of Western Republic Insurance Services can work with business owners in Huntington Beach, CA to make sure they understand what their commercial policies cover as well as how to protect themselves from shoplifting losses.

Shoplifting Is Preventable

Shoplifting is preventable. Teach your employees how to spot different tactics that professional shoplifters use. Train your employees to watch out for areas of your store that are especially vulnerable to shoplifters. This can include clothing, electronics, and jewelry departments. Know where your store’s vulnerable areas are and make sure to have someone walk through them often. 

Protect Yourself

One of the best ways to protect yourself from shoplifting is to install a security system that includes high-resolution video cameras. Being able to record a person who is shoplifting is extremely beneficial when trying to recover the merchandise or for pressing charges after the fact. Always keep a close eye on your inventory as well. Identify areas of the store where improvements can be made and take the necessary measures you need to prevent this type of loss.

Business owners in Huntington Beach, CA need to always be looking for ways to prevent loss. Shoplifting can cause devastating losses for any business. If you have questions about how to protect yourself or simply to have your commercial policy re-evaluated, call the agents of Western Republic Insurance Services today! They can help you enhance your security and minimize your losses.

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.

Getting Your Car Prepped For Summer Road Trips: What Huntington Beach Drivers Need To Know

Ready to feel the wind in your hair as you cruise away from your Huntington Beach, CA home on a summer road trip? Before you set out on an adventure, it’s important to make sure that your car is prepared for summer. At Western Republic Insurance Services, we want you to get your car ready for summer drives so that you can enjoy all the fun that the warm months offer. Follow these tips to keep your road trip experience as smooth as the highway ahead. 

– Get a tune-up. Just like you get your car serviced in preparation for the winter months, it’s a smart idea to do the same for summer. Have a mechanic look over your car to advise you of any work that needs to be done before you hit the road. 

– Stash emergency supplies. Make sure you have everything you need in case your car overheats or breaks down, including flares, bottled water, blankets, nonperishable food items, and some cash. 

– Check your tire pressure. As temperatures rise, so does the pressure in your tires. Be sure that your tires aren’t overfilled to ensure that you don’t get stuck on the side of the road with a flat. 

Of course, no matter how well you prepare for a summer road trip, it’s important to expect the unexpected. At Western Republic Insurance Services, serving Huntington Beach, CA, we’re here to help you when things don’t go as planned. Call us or stop in to talk with one of our insurance agents about a car insurance policy that makes sense for your needs. Happy travels this summer!

Commercial insurance: Does it cover small businesses?

Starting a new business is everyone’s dream in today’s litigious society. However, whether you are starting a small business or a multi-billion enterprise, you have to pen down several essentials in order to have a profitable as well as a smooth running business. Among these requirements is commercial insurance.

If you have a business around Diamond Bar, CA, you must have noticed the primary role of insurance. Small business, unlike large businesses, does not have similar needs, that is why you have to visit us at Western Insurance Marketing Corporation to find the right insurance solutions for you.

What we evaluate:

  • The cash flow
  • Business size
  • Number of employees you have or intend to have
  • Your industry risks
  • The number of branches you have
  • Your future plans for the development and growth of the business
  • and many more

Simply put, commercial insurance contains more than one type of coverage designed to protect a business, the employees and the owner. Most business insurance in Diamond Bar, CA includes standard policies like liability, commercial auto insurance, crime, property, and other optional coverages. 

General liability: Injuries and property damage can vastly cost your business on judgments and legal fees. This coverage protects you against such expenses. 

Employment practices liability: If you have employees this coverage will shield your business from claims of harassment, discrimination, and other unlawful practices.

Workers compensation insurance: Apart from third-party injuries, your employees can also be at risk of getting injured at your business, and your business will be held responsible for these injuries. This coverage helps cover the costs.

Property insurance: This coverage is quite essential as it covers the physical structure of the business and everything inside it.

Insuring your business is a smart way of staying financially prepared. For this and more coverages visit Western Insurance Marketing Corporation today.

Can Umbrella Insurance Protect Me if I Own More Than One Business or Have Multiple Locations?

Congratulations on your success! You worked hard. You started a business or invest in one. You built it up to either open new locations or invest in other businesses. You have adequate insurance coverage for all the regular stuff; however, you want to be sure you also have protection for many things that may are not specifically covered or maybe the coverage you have does not have large enough limits to cover any extraordinary and unexpected risk.

Understanding Umbrella Insurance

It is always a good idea to discuss any changes in your business with your insurance agent at Western Republic Insurance Services, serving Huntington Beach, CA and other cities in the major metropolitan areas of Los Angeles and Long Beach. Umbrella insurance is helpful to protect your total net worth. It can extend the policy limits of other insurance policies. It may also offer specialized coverage that other policies do not have.

For example, a business may have $1 million in product liability coverage and product liability is a covered risk in their umbrella insurance policy that has a $5 million limit. If there is a product liability claim that must be paid, which exceeds $1 million, the umbrella insurance will back the claim with an additional $5 million in coverage.

Protection for Special Risks

Special risks that umbrella insurance may help with are protected from liability caused by a terrorist attack, cyber security, defamation lawsuits, harassment in the workplace, and many more. Having umbrella insurance is a terrific idea and may be more cost-effective if you own more than one business and/or operate in more than one location. Ask your agent about the details.

When you work with your agent at Western Republic Insurance Services in Huntington Beach, CA on an insurance review, your agent will help identify gaps in coverage. Gaps in insurance coverage are places where you may have risk exposure that you are not even aware of and there is an insurance solution to consider in order to better protect you and your business.

Call 888-467-1718 or use the convenient online contact form to make an appointment to discuss umbrella insurance coverage. Get an insurance review of your existing coverage and a quote for new insurance coverage.

How “recreational vehicle” is defined

The definition of "recreational vehicle" can be kind of broad. It essentially means any vehicle equipped with a bed that you can sleep in. No, this does not mean that your truck is legally an RV because you threw a mattress in the back, but it does include houseboats, travel trailers, vans decked out with living quarters and so on, as well as conventional motorhomes.

Not all of these vehicles make sense to cover on an RV policy with Western Republic Insurance Services. A houseboat, for instance, would be better covered by a boat policy specifically designed for the risks and liabilities involved in maritime travel.

Recreational vehicles do not necessarily include many vehicles that are, technically, recreational vehicles. A four-wheeler is more of a vehicle for recreation than it is for travel or work, but if it can’t fit a bed, then you probably won’t be covering it on an RV policy.

Anything that you plan on driving is going to require some kind of insurance policy to be on the road in Huntington Beach, CA, but it’s worth noting that travel trailers do not require liability coverage. It’s a good idea to insure them because you don’t want to replace a travel trailer out of pocket, but if it doesn’t have an engine in it, you generally won’t need liability protection. You can park an RV on your property and use it as a guest room without insurance, but you’ll need to renew your policy if you hope to take it on the road again.

"Recreational vehicle" is kind of a funny term. Many of us use motorhomes as our primary residence, while many vehicles we use for recreation are not covered. In any event, if you want to get covered and drive safe, get in touch with Western Republic Insurance Services and see what they can do for you.

A Guide to Renters Insurance

Renters insurance provides coverage to those who rent their home in Huntington Beach, CA. The landlord is responsible for the insurance for the structure itself, but is not responsible for the contents of the unit. This is where renters insurance comes in. If disaster strikes, the landlord’s insurance will help pay for repairs, but any possessions will have to be covered under a renters insurance policy.

Standard renters insurance will reimburse policyholders for the loss of belongings from 16 specified events. Some of these covered events include fire, windstorm, explosion, smoke, theft, or vandalism. Renters insurance will not cover any damage from floods or earthquakes, and if you want coverage for these events you will have to get a separate policy.

Besides protecting belongings, there are some other things that renters insurance covers. It provides some liability insurance if someone is injured in your home. Not only does it cover injuries, but it also covers damage that you and your family accidentally cause to others. It will cover both legal representation if there is a lawsuit and the damages that are awarded to the other party. In addition to liability, renters insurance will also cover additional living expenses if your home is destroyed in a disaster. This covers hotel bills, restaurant meals, and some other costs.

There are two types of policies that are typically offered. A replacement cost policy will pay for the actual cost to replace the items and doesn’t take into consideration any depreciation. Actual cash value policies will take into account depreciation, so you will receive less for your items. However, these policies are typically cheaper. An agent at Western Republic Insurance Services can help you determine which policy is right for you. You will also need additional coverage for any valuable possessions, such as jewelry.

Contact Western Republic Insurance Services, serving Huntington Beach, CA, to get a quote on renters insurance.

Life Insurance for Families With Over 10 Children

You are proud of your 10 children and are raising them in your favorite town, Huntington Beach, CA. However, you’re worried that you won’t have life insurance to protect them if you pass. Thankfully, we at Western Republic Insurance Services can provide coverage options for people in your situation.

Life Insurance Rates Vary Depending on Family Size

Thankfully, life insurance options are available for those with 10 or more children. But, as you can imagine, life insurance rates on a policy will vary depending on family size. The payouts will also be different if you have a large family. Lower individual payouts are common in this situation.

The individual policy for a large family won’t be any different in its language, though, then one for a smaller family. In fact, the only real difference is the amount you have to pay to get the policy and what it pays to each family member. This fact helps to streamline your coverage options.

Total Family Insurance May Save Money

Though you can always buy individual policies for yourself, your spouse, and your children, total-family coverage is often a wise choice. These comprehensive life insurance policies will kick into effect whenever anybody in your family passes away due to illness, injury, or other influences.

These types of policies may cost a bit more to purchase at first but typically provide a less-expensive alternative if you plan on insuring everyone in your family. Just as importantly, they provide a multitude of payout options that ensure your family is safe when someone passes.

Find the Right Policy for Your Needs

If you’re raising a very large family in Huntington Beach, CA who deserve high-quality life insurance coverage, please contact us at Western Republic Insurance Services to learn more. Our experts will find a policy that keeps you and your family safe from financial hardship.