How Much Coverage Is Appropriate For Condo Insurance?

When insuring your condo, the amount of coverage needed and the monthly payment can vary greatly due to numerous factors. Insurance plans will cover damages that occur on the inside of the condo, but external damages vary greatly. Personal items may also be covered, but again, that depends on your association’s insurance policy. Check out Western Insurance Marketing Corporation if you live in the Indio or Diamond Bar, CA area to see if they can help you find the right insurance plan.

How Much Coverage Should I Expect?

You need to think about the assets that are covered by your policy. Add up the amount that your personal possessions are worth, including electronics and furniture, and assess how much it would cost to repair items around the house in the event of a major disaster. Realistically speaking, coverage of at least $10,000 to $20,000 is not unreasonable to expect. Of course, some policies may have a maximum amount that is covered per item, so consider that when shopping for coverage.

How much should I pay?

The amount varies but is not typically a lot. The value of your condo and your coverage amount will be the main factor that determines your payment amount. Having a lot of high-value items may also drive up the payment amount of your insurance policy.

Condo Insurance may come in a bare-bones style plane or an all-in-one package. Determine the value of your assets and think how much you should insure in order to determine which plan is right for your living situation. For further questions and quotes, get in touch with Western Insurance Marketing Corporation if you live in the Indio or Diamond Bar, CA area, or reach out by phone.

How Much Coverage Is Appropriate For Condo Insurance?

When insuring your condo, the amount of coverage needed and the monthly payment can vary greatly due to numerous factors. Insurance plans will cover damages that occur on the inside of the condo, but external damages vary greatly. Personal items may also be covered, but again, that depends on your association’s insurance policy. Check out Western Insurance Marketing Corporation if you live in the Indio or Diamond Bar, CA area to see if they can help you find the right insurance plan.

How Much Coverage Should I Expect?

You need to think about the assets that are covered by your policy. Add up the amount that your personal possessions are worth, including electronics and furniture, and assess how much it would cost to repair items around the house in the event of a major disaster. Realistically speaking, coverage of at least $10,000 to $20,000 is not unreasonable to expect. Of course, some policies may have a maximum amount that is covered per item, so consider that when shopping for coverage.

How much should I pay?

The amount varies but is not typically a lot. The value of your condo and your coverage amount will be the main factor that determines your payment amount. Having a lot of high-value items may also drive up the payment amount of your insurance policy.

Condo Insurance may come in a bare-bones style plane or an all-in-one package. Determine the value of your assets and think how much you should insure in order to determine which plan is right for your living situation. For further questions and quotes, get in touch with Western Insurance Marketing Corporation if you live in the Indio or Diamond Bar, CA area, or reach out by phone.

The Importance of your Annual Health Exam

An Annual Health Exam

The Western Insurance Marketing Corporation in Diamond Bar, CA notes that annual health exams are a way to take stock of your general health and to catch problems when they are still minor. Your doctor will check such things as your blood pressure, your heart rate, your weight, and other factors during a physical exam. Your blood will be drawn and tested for things like blood sugar, cholesterol, electrolytes, and other factors that may affect your health. You will probably get an EKG to check your heart and undergo screening for cancer. The exam will be tailored to your age, gender, any pre-existing conditions you might have, family history, and other risk factors.

Unexpected people who seem healthy may be walking around with a chronic disease that has the potential to seriously affect their health and, ultimately, even kill them. Your annual exam may not find anything, which at the very least can prove to be reassuring. As a result, your primary care physician can offer you advice on how to maintain and improve your health during such an examination.

If your doctor does find something, it will be better than if you wait for symptoms to present themselves. Then he or she will be able to prescribe a course of treatment that will be more likely to address what might be ailing you.

If you have any questions regarding health insurance or related issues, contact the Western Insurance Marketing Corporation in Diamond Bar, CA, serving Riverside County, Orange County, and Santa Clara County.

Extra Things You Probably Didn’t Know Your Auto Insurance Covered

You probably assume that your auto insurance covers your vehicle and that’s it. While auto insurance’s first duty is certainly to cover damages to your vehicle, there are several “extras” that you probably didn’t know your auto insurance covered as well.

Coverage for Others’ Personal Property

Most of the time, auto insurance will not protect your own belongings in your car. For example, if someone broke into your car and stole something valuable while also breaking your window, auto insurance would likely cover the cost of the window repair, but it would not replace your stolen item.

On the other hand, if the belongings that were stolen from your car or damaged were not your own, it is quite possible that your auto insurance plan will cover them.

Car Seat Coverage

Naturally, protecting your children while they are in your vehicle is essential, so this safety feature often melds with the other safety features in your car. Add this to the fact that a car seat is essentially “part of your car,” and this means that fixing or replacing your child’s car seat may be covered by your auto insurance if it is damaged.

Vandalism Coverage

Finally, vandalism may be covered by your auto insurance as well. This usually includes “car keying,” intentionally popped tires, and other scratches and dents.

One thing to keep in mind, however, is that not all auto insurance policies will have these extras. You’ll need to check with your insurance agency and verify your policy to make sure that you have them.

Western Insurance Marketing Corporation

If you are a San Jose or Diamond Bar, CA resident and are looking for auto insurance, Western Insurance Marketing Corporation can help. We provide auto insurance to the residents of San Jose, Indio, and Diamond Bar, CA as well as other surrounding areas. To learn more about our auto policy options and to speak with an agent about your choices, stop into our nearest agency location today, or give us a call at your convenience. We look forward to speaking with you.

Tips for Choosing the Right Commercial Insurance

Choosing the right commercial insurance can be a complicated process, and when you have a business, it’s important that every penny counts.

Determine Your Coverage Needs

When choosing what kind of coverage you need, make sure it is based on the type of business you have. For example, if you are a contractor you may need workers comp coverage while a tech company may require a different kind of policy, like cyber liability coverage. You may also need different insurance based on whether you have employees.

Your business may qualify for a Business Owners Policy (BPO), which is useful for small businesses that have a main street address, like hardware stores.

Don’t Overlook Other Coverage

It’s important not to ignore other coverage options only because they aren’t required coverage for your business. Things like business interruption insurance can save a lot of money if you have to file a claim. Just because the property insurance will cover the cost of rebuilding, how will you continue to pay business expenses while construction is going on? 

Speak with an Agent

Commercial insurance can be confusing. That is why it is important to talk with an insurance agent. Not only can an agent guide you through which policies are required and which added coverage options would make the most sense for your business, but they can also help save you money. If you need to file a claim, you will likely want to have a person that will assist you through the process. Make sure you talk to an agent that specializes in commercial insurance, like Western Insurance Marketing Corporation, serving Diamond Bar, CA.

Review and Update Coverage Yearly

Even after you have chosen insurance, it’s a good idea to talk to your agent at Western Insurance Marketing Corporation, serving Diamond Bar, CA, to figure out if you need to update your insurance policy based on your business needs.

What Are the Components of a Basic Home Insurance Policy in the Golden State

Getting Down to Basics With Western Insurance Marketing Corporation

Many are attracted to our area of Diamond Bar, CA due to the name. What sounds more extravagant than a gold bar, why a diamond bar of course. Once here you will fall in love with the simple life that is offered which is idyllic to raise a family in.

With that in mind, our insurance company offers home insurance to help you gain much needed peace of mind as it pertains to the protection of your family, your home, and your assets.

A Basic Homeowner’s Insurance Policy in California

Before reading this section, bear in mind that there are several factors that will make your homeowners’ policy anything but basic. Add in a vocation which increases your income into the higher brackets, and you will need alterations. If you add any life factors in the policy, it will need to be amended. 

Basic Policies Consist of Two Sections

  • Property Coverage – This arm of the policy covers the loss of use of your home, your home in general, other structures on your property, and personal property that may be contained inside of your home.    
  • Liability Coverage – This arm of the basic policy covers personal liability if you are sued and medical payments to people you may have caused harm.   

In addition to home insurance, Western Insurance Marketing Corporation offers the following types of insurance products:

  • auto insurance
  • restaurant insurance
  • umbrella insurance

Whether you reside in Indio, West Minister, San Jose, or even Diamond Bar, CA or the surrounding areas, come in to get more information how you can insure an aspect of your life that is currently vulnerable or switch your insurance coverage to our firm.