These Homeowners Insurance Endorsements Can Help Keep Your Home Safe!

Homeowners Insurance Endorsements Can Help Keep Your Home SafeKeep your home well protected with the right homeowners insurance and endorsements.

When it comes to your homeowners insurance, you choose a policy that gives you basic coverage. Your plan gives you the coverage that you need to rebuild your home, replace personal possessions, and cover minor liability claims. However, sometimes you need more coverage. That’s where insurance endorsements come in; when your policy needs a little extra boost, supplement your coverage with the right homeowners insurance endorsements. Check out what you need to know.

Natural Disasters.

Your homeowners insurance policy only gives you coverage for covered perils. However, if your home suffers damage from a non-covered peril, you’re left paying for the damage out of pocket. When it comes to floods, earthquakes, or wildfires, be aware that your homeowners insurance policy won’t cover any damages. Fortunately, you can supplement your regular home policy with certain natural disaster endorsements.  Determine which hazards your home is susceptible to, and add coverage as necessary.

Valuable Items.

Your home is your personal safe haven from the outside world. It’s a place where you feel safe and where you can keep your valuables secure. However, sometimes accidents happen. Whether it’s a break in or a fire, a disaster can ruin your personal possessions. Your homeowners insurance policy gives you some coverage for your personal possessions. However, when it comes to your more expensive items, they’re often left unprotected. Get the coverage that you need for your high ticket items with a valuable items endorsement. That way you can rest easy knowing that you have the coverage that you need.

When it comes to getting the protection that you need for your home, it’s important that you supplement your homeowners insurance with the right endorsements. Panzera Insurance Agency, Inc. can help you find the right policy! We serve all your insurance needs. Contact us for more information.

Do I Really Need Umbrella Policy Coverage?

Umbrella Policy Coverage

We all could use a little bit of extra coverage, since it seems that everyone is faced with a lawsuit at some point or another. In safeguarding yourself from a damaging lawsuit, you have likely purchased auto insurance, homeowners’ insurance, and other insurance policies for protection. However, upon purchasing these important insurance policies, you set liability limits for each. Unfortunately, many individuals assume that the state required liability limits would suffice in providing protection. In order to receive the protection you deserve, you must obtain an umbrella policy.

Umbrella policy coverage provides individuals with maximized protection when the liability limits of their standard policies are exhausted. Therefore, if an accident occurs on your property that results in a lawsuit, your umbrella policy would extend coverage so that you can feel confident in your protection. Umbrella policies typically extend your coverage from $1 million to $5 million; therefore, you can receive peace of mind in all realms of your life.

Additionally, your umbrella policy would provide you with legal expense coverage on top of your set policy amount. You will also receive lost wage coverage in case you are forced to miss work in order to attend legal proceedings. This insurance policy as a whole will provide you with more legal protection than an entire legal team could provide for the same amount.

Therefore, in order for you to be confident in your protection, it is important that you seek coverage under the umbrella.

Contact Panzera Insurance Agency Inc. for all of your California umbrella insurance needs. We will go above and beyond to provide you with the protection you deserve through a personal umbrella insurance policy.