SBC Insurance can help you with the right home insurance in Loyola CA, Menlo Park, Mountain View, Palo Alto, Stanford CA or Sunnyvale. Home insurance is not something you should take lightly or for granted. It is supposed to protect your biggest investment. Effective home insurance will cover your real risks at a competitive cost.
However, many home insurance policies have gaps in coverage. Just because you have a homeowner’s policy does not mean all your risks are covered. Home insurance generally covers localised risks such as fire, theft, accidents and liabilities. However there are other risks especially in the form of natural disasters.
Weather conditions are becoming more severe and you face risks of flooding, windstorms, hail damage and so on. Does your home insurance cover you for these risks? A flood can destroy your home. Even if you don’t live in a flood zone, the risk of flash floods is greater than ever before. Flood insurance is something you need to consider carefully.
If you own a condo or an apartment the body corporate will have insurance and you will have insurance. You need to be sure there are no gaps between these different insurance policies. A consultant at SBC Insurance can help you understand what is covered by the management company’s insurance and what should be covered by your home or condo insurance.
Another important component of home insurance is content and valuables. Although your content will be covered, there are limits to coverage. If you have high-end items such as jewelry, collections or fine art, you may need to insure them separately. It is always good to know what is covered and for how much. You also need to know which items and events are excluded.
SBC Insurance can help you with home insurance and supplemental insurance in Loyola CA, Menlo Park, Mountain View, Palo Alto, Stanford CA and Sunnyvale.