Does Home Insurance Cover Collections in the Home?

Collections are a big part of many people’s lives and making sure they are safe is a top priority. That being said, you may not know for certain if your precious collection is covered under your typical home policy. For those that live in the Diamond Bar, CA area, the agents with Western Insurance Marketing Corporation can help you to find the home policy that is right for you.

A very basic answer to the question is my collection covered is, yes, to a certain extent anyway. Collections are covered under contents and if you have a collection that is not impossibly pricy or hard to replace or get new pieces for, your basic contents policy may be all you need. If you have a collection of very rare jewelry however that is worth millions of dollars, you are going to want to get a specific collection policy that insures each piece.

For those that want to build in collection coverage for their collections on their home policy, you can always add the items to the policy and have them named specifically with appraised values listed. This is a great way to insure your collection if you do not want to get collection insurance for the specific pieces. You are going to have to take the time however to let an agent go over the collection and include supporting documents that list things like values and that prove you own the items as well.

Collections are a wonderful thing but you need to make sure that they are properly protected in your home. For those that live in the Diamond Bar, CA area, the agents with Western Insurance Marketing Corporation can help you find the policy that protects your home and your collection.

Why Having Motor Home Insurance is a Necessity

Owning a motor home is a dream that many people have. When you have a motor home, you will have access to a vehicle that can provide you with a safe and comfortable place to sleep while also giving your endless memories. When you buy a motor home in the Diamond Bar, CA area you will be making a very big purchase and investment. Because of this, there are many reasons why having motor home insurance in place at all times should be considered a necessity. 

Covers Your Assets

One reason why you need to have motor home insurance in place at all times is that it will cover your asset. A motor home is a very big investment that can cost a lot of money. Since this will be a huge asset that you will want to hold on to, you will want to have insurance in place. This will help to protect you if the motor home is damaged in an accident or you experience another type of loss.

Liability Coverage

You will also want to have motor home insurance in place at all times because it will provide you with necessary liability coverage. To operate a motor home, you will need to have minimum levels of liability insurance whenever you are on the road. If you are caught driving without it, you could face big penalties in the future because of it. 

When you are looking for a new motor home insurance policy, you should come to Western Insurance Marketing Corporation for your insurance needs. The professionals at Western Insurance Marketing Corporation can help a Diamond Bar, CA resident get into a policy that properly protects their motor home. This will help to protect their asset and ensure legal compliance. 

Be Comfortable With Your Commercial Insurance

Business owners are appreciated for their work to produce products or provide services.  Some businesses provide both and it should be comfortable to know that a qualified insurance company is ready to give you more information about commercial insurance.  The company can also help business owners understand the benefits of having insurance.  Serving Diamond Bar, CA, Western Insurance Marketing Corporation has an experienced staff ready to answer questions about commercial insurance.  Business owners are able to do their work and be comfortable knowing their insurance needs have been discussed with professionals in the business.  The owners can focus on their products, services, employees, and profits.  Having the experts available to cover the insurance side can be a comfortable way of working on business projects for hiring, expansions, new site locations, and new offerings.  The plans can be discussed with the insurance company and the details are nicer to understand.  Another talk is about any product liability for business owners producing, storing, or distributing products.

Businesses throughout Diamond Bar, CA can be more comfortable knowing the insurance company is serving this area.  Owners with employees or vehicles for business-related use can benefit from contacting an insurance company. You can also talk about business property insurance and umbrella insurance with their experienced staff.  Western Insurance Marketing Corporation can provide more information about the insurance solutions for all of your needs.  Feel confident providing products and services.   With employees too, it is nice to know your insurance needs are covered.  Enjoy working on your business and be comfortable with the relationships you have built with an experienced insurance company.  There are benefits to having one company help you with personal coverages and commercial insurance.   Feel comfortable visiting their office or calling them to discuss all insurance types.

Insure your boat for the new year….all through paying your premium principle in advance.

If it’s time to get that new sailing boat, yacht or cruise boat, then it’s also time to make sure it’s properly insured and carries the full coverage you need. We’re talking all-inclusive coverage if it’s something you can afford. And in a world where boating accidents tend to occur more than before, we think it’s a wise idea that you at least get some type of coverage, be it even the minimal. Let’s have a quick, close look at some real-life statistics detailing the cost that boating accidents have accrued, from statistics in 2011 alone:

1. First of all, nearly 5,000 boat accidents cost about $50 in property damage. 

2. In addition, over 3,000 casualties, and nearly 1,000 deaths came about by means of boating accidents and incidents.

3. Furthermore, only about 70 % of such deaths resulting were actual drownings, whereas 80% occurred in boats under 21 feet in length, respectively.

4. Alcohol has been found to be the central – core factor behind the majority of ‘fatal’ accidents…shocking, right? 

So, of course, we can see the need for getting covered if you own a boat. There are countless more statistics, from more recent years alone, but we think you get the point. Coverage is no option anymore. 

And the cost of it can be determined by you: You decide how much you want to pay off the principal, and when. The more you can do so, and the earlier done, the better it’ll be in determining your total cost over the term. Get those premiums and deductibles out of the way asap. 

Western Insurance Marketing Corporation loves its customers. And it has many in Diamond Bar, CA. Check them out as soon as you get a chance — they can help.

Dry Under Your Umbrella Policy Or Wet Without One

You Can Never Have Too Much Protection

We live in a litigious society. Literally, no one over the age of 18 is exempt from facing a lawsuit. Those under 18 face the prospect of their parents being sued since they may be considered a minor depending upon the circumstances. Having an umbrella policy is the optimal way to stay dry inside when it is raining liabilities outside.  

Essentially, an umbrella insurance policy is a plan that protects you when your liability is above and beyond that of your standard insurance policy. It is a matter of how protected you want to be in any given situation. Your potential for liability should be discussed with a professional insurance agent you trust to ensure that you are protected. Going above and beyond the necessary minimum insurance requirement is a sound investment.

Do I Need Umbrella Insurance?

The short answer is yes – all individuals can benefit from some type of umbrella insurance protection. How much you need and the scenarios that you can be involved in that would necessitate umbrella insurance coverage is what you need to discuss with your agent. A circumstance that many people find themselves in that umbrella insurance would help with is automobile accident liability. Umbrella insurance would come in handy if the standard auto insurance policy coverage proved insufficient for your liability.   

Come In Today – Find Out How You Can Stay Safe and Dry

Do not hesitate to stop in today at Western Insurance Marketing Corporation. We are located at 315 South Diamond Bar Blvd, Diamond, Bar, CA 91765. Pick up the telephone and contact us at 909-860-0599 you are located in Diamond Bar, CA or the surrounding areas. We can help you get a quote and answer any questions you may have about an umbrella policy.

Flood Smart for 2019: Preventative Maintenance Tips

What is Flood Smart?

Flood Smart is an invaluable government resource offered on behalf of FEMA and may be fully seen in action helping people get the flood insurance they need. And this may arise in the form of preventative services or post-disaster relief. Keep in mind that a flood is much similar to a highway, in this respect: It can run across any or all of our 50 U.S. states, respectively. And it’ll move quickly. So be prepared.  

A Few Pointers to Get You Started on the Right Foot

The first piece of advice is to ensure you’re fully "flood smart," ready for a disaster in the event it should occur in your area. And it all begins with finding out your flood threat level, assessing all potential consequences, and taking every other preventative measure needed toward that end. Flood Smart offers numerous online articles, assessment analysis tools, and other resources to help you determine if your property’s currently at risk for a potential flood — a proper test will even give you an estimated percentage of your threat level. Take advantage of such free resources online.

Also, what you can further do is get a flood insurance policy in place, which legally takes place 30 days after your official purchase date. So our best advice is to purchase it as soon as possible to sooner enact the benefits earlier. And keep in mind that if you buy it along with a closing mortgage, waiting periods won’t apply. 

Western Insurance Marketing Corporation – Serving Diamond Bar, CA 

You can contact Western Insurance Marketing Corporation in Diamond Bar, CA for more information and details. Our professionals have all you need to get the right flood insurance for your home or business. Reach out to us today! 

Even Younger People Can Benefit From Life Insurance

Having life insurance is not always something people think about, for a couple of reasons. First, they do not generally like to consider their own passing. Second, they may be young and not worried about the potential for dying. If you are in that second category, it is still important to consider life insurance. That is especially valuable if you have a family who relies on you for income. But even if you do not have others depending on you, the right kind of life insurance through Western Insurance Marketing Corporation can help you live a better life in the Diamond Bar, CA area through peace of mind and potential value for the future.

Some life insurance policies build cash value that you can borrow against later if you need it. That can help you have money at a later date if you decide not to use the life insurance policy as something that would go to your heirs when you pass away. You can also get life insurance for a very low cost when you are young, so having a policy costs only a fraction per month than at an older age in most cases. That is good news for people who are looking for life insurance options, or who want some way to start saving that is not the traditional savings account that many young people rely on.

Reach out to us at Western Insurance Marketing Corporation today, and let us help you and other Diamond Bar, CA area customers get the life insurance products that will be right for you. You might not be sure whether you need or want life insurance, or what kinds of products you can get for your age and medical condition. With that in mind, we can answer your questions so you can make an informed choice.

Will Health Insurance Cover Your Teenager’s Health Problems?

If you live in Diamond Bar, CA and have a teenager, you want them to be happy and healthy. One of the best ways to do that is to ensure that they are covered by your health insurance. Thankfully, we, at Western Insurance Marketing Corporation, can help you find a policy that covers your teen.

That’s because most types of insurance policies are likely to cover dependents. A teen can be considered a dependent of their parents until they turn 26. At that point, you are no longer allowed to claim them as a dependent, even if they do rely on you for money, food, and shelter. Try to find them an alternate insurance policy that does cover them.

Medicare Plans Are Different

If you are an older adult who is switching to Medicare and you have a child below the age of 26, you might run into some issues. That’s because Medicare is not designed for multiple individuals and won’t cover your teenager. However, there is a bit of an exit clause that can help you out.

This clause states that your former employer’s insurance will continue to cover your teenager after you’ve retired and gone on Medicare. They will only cover them for another three years, so make sure that your teen is healthy and gets all the medical treatment they need before the big change.

It May Not Cover Certain Things

Another problem we’ve run into at Western Insurance Marketing Corporation are insurance holes for teens. For example, your teenage daughter may not be covered if she gets pregnant. Other health problems may also have limited coverage, so make sure that you talk to us first before you buy an insurance policy or assume that yours covers every issue of your child’s.

Contact our offices in Diamond Bar, CA to speak with an agent and get a quote.

4 Ways to Get the Right Commercial Insurance for Your Business

Getting commercial insurance for your business is very important. You want to make sure you’re protected, but you also need to protect your employees and your customers, too. But how much insurance do you need? Are there important policy differences to consider? The more you know about your insurance, the better off you’ll be in getting the right coverage for your needs. Then you can have much more than good protection. You can also have peace of mind. If you have a business in the Diamond Bar, CA area and need a commercial policy, Western Insurance Marketing Corporation can help. Here are four things to consider when working with your agent, to help you get the best insurance for your company and your specific needs.

  1. Understand that different businesses have different insurance needs.
  2. Periodically work with your agent to review and update your policy.
  3. Get quotes from multiple companies to choose the best option.
  4. Talk to your agent about the needs and goals you have for the future of your business.

At Western Insurance Marketing Corporation, we proudly serve businesses around the Indio and Diamond Bar, CA area by offering them commercial insurance policies they can rely on. Because we offer quotes from a number of insurance companies, you can work with an agent who can use their knowledge to help you get the best policy. Then you’ll know your company is appropriately protected, and you won’t have to worry about all of the issues that can come with not being insured or not having enough insurance to meet your business’ needs. Reach out to us today, and let us get started on finding you the right commercial insurance policy for protection, security, and plenty of peace of mind.

Will my home insurance cover the cost to replace my belongings in case of fire or theft?

When you purchased your home insurance policy from Western Insurance Marketing Corporation to protect your home in San Jose or Diamond Bar, CA, you may have been overwhelmed by all the details. Even if you went over the policy very carefully with your agent, you might not have understood everything. It can be confusing as to how losses are covered, especially when it comes to whether your insurance claim will be able to help you replace needed items that you have lost because of a fire or other event.

When it comes to insurance, there is a difference between actual cost and replacement cost. If you make a claim with the replacement cost, you would be able to repurchase the items new, so it would be as though you never suffered a loss. Unless you have specifically obtained a policy which allows for the replacement cost, though, you will more than likely be getting the actual cost.

When deciding a claim, the insurance company normally has to figure out how much the item would be worth now. To figure out how much you are owed, the insurance company takes the original value and then subtracts the amount the item has depreciated since that time. Depending on the item, that can make a significant difference. 

When it comes to protecting your home in San Jose or Diamond Bar, CA, you know what will work best for you. If you think you need additional protection, or if you have any questions about your existing policy, please contact Western Insurance Marketing Corporation today so that we can answer your questions and help you get started.