Choose the Right Homeowners Insurance Policy for Your Needs

Tips to Choose the Right Homeowners InsuranceFind out what you need to know about choosing the right homeowners insurance.

Your home is where you feel safest. It’s a place where you can unwind and relax without worry. However, life is unpredictable. A house fire or neighborhood burglary can put your home in danger. That’s why you need the right protection for your home. Invest in the right homeowners insurance so that you can rest easy knowing that your home is well protected. But, with so many policies out there, it can be hard to choose one for your home. Check out what you need to know about selecting a home insurance policy so that you have the coverage that you need.

Sit Down with Your Agent.

Choosing the right coverage for your home is important. Without the right coverage, your home is left vulnerable. However, sometimes you need a little assistance when it comes to deciding how much coverage is best for your home. That way you’re not under or over insured. Meet with your independent insurance agent so that they can help guide you to the right type of insurance and they can help you find ways to qualify for discounts.

Compare Policies.

Once you’ve found a policy that you like, look at a couple of comparable plans. It’s important that you compare and contrast your options so that you can choose the coverage that best fits your lifestyle. Choose at least three policies to compare so that you’re best able to make your decision.

Think About Add-Ons.

While a basic policy gives you the coverage that you need to cover the basics, sometimes you need a little additional coverage. Whether you need extra valuable item coverage or you need an earthquake supplement, talk to your agent about what sort of add-ons that you may need so that you can tailor your coverage to your needs.

When it comes to you home, get the right coverage that you need with the right homeowners insurance policy. Panzera Insurance Agency, Inc. can help you find the right policy! We serve all your insurance needs. Contact us for more information.

The 101 On Insuring Your College Student

Tarzana Insurance for College StudentsAs you plan to send your child off to college, you may be thinking you’ve covered all the basics when it comes to planning. However, are you like the many parents who have forgotten the insurance implications of your new college student’s big move? It is imperative that you speak with your insurance provider to ensure that your child and their belongings will be adequately protected away from home. Keep these informational tips in mind when insuring your new college student:

  • If your child will be living in a dorm, their personal belongings will be covered under your homeowners’ insurance policy. However, the liability limits are typically lower when they move away from home into a dorm or any other campus-owned facility. Therefore, if your child will be bringing expensive items with them, you may need to increase the coverage limits.
  • If your child will be renting an apartment or home, you will need to purchase a renters’ insurance policy in order to obtain sufficient coverage. A renters’ insurance policy is relatively inexpensive especially considering the amount of coverage it provides.
  • If your child will be taking their car with them to college, it is important that you call your auto insurance provider to inform them. You may receive a discount if the area is particularly safe. You may also have to alter some coverage requirements if their college is in a different state than your primary residence.
  • If your child will be leaving their car at home, you will still want to call your auto insurance provider. You may be eligible to receive a discount since the car will not be driven for a good portion of the year.

Panzera Insurance Agency, Inc. has been fulfilling the insurance needs of California residents for over 40 years. Contact us today and allow us to help you receive the peace of mind knowing all of your assets are properly protected. We can help give you the peace of mind knowing your child is properly protected, even when they are away from home.