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.

Do I Need Motor Home Insurance?

If you have a motorhome, you may want to purchase specialized coverage to protect it. RV insurance is different than other vehicle insurance in a number of ways. This type of insurance covers things an auto insurance policy would miss. Purchasing the right protection will keep you, and your RV, covered in the event of loss or damage. At Western Insurance Marketing Corporation in Diamond Bar, CA, we can help you choose the policy that is right for your motorhome.

RV Insurance in California Covers:

  1. Replacement in case of a total loss: Total loss replacement covers you during the first five model years. Your RV will be replaced with a similar vehicle, even if the replacement RV costs more than your original.
  2. Personal belongings replacement: While auto policies typically cover only a limited amount of personal belongings in a vehicle, an RV policy will give you the option to replace all of your belongings in the event they are destroyed or stolen.
  3. ‘Full-time’ liability: When an RV becomes your home, things that might be covered by a homeowner’s policy now needs to be covered by your RV insurance policy. ‘Full-time’ insurance simply refers to the fact that you now live in your RV ‘full time.’ With full-time liability, you are covered if someone slips and falls inside your home (your RV); make sure to ask your independent insurance agents if you are also covered inside an RV camp (with some policies this is automatic). This type of coverage will provide emergency treatment and medical expenses for those who are injured inside or around your RV.
  4. Campsite liability: This is separate from full-time liability but similar. It protects those who are in their RV for just a short time each year; for example, those who travel in their RV on vacation.
  5. Emergency coverage: Emergency coverage will reimburse your expenses in the event your RV needs to be repaired, and you must live outside of it during that time. This policy only takes effect if your RV is a certain number of miles away from your fixed address. It generally covers things such as lodging, travel back home, and meals.
  6. Higher liability limits: With RV insurance, you typically have higher liability limits than you do with auto insurance. This is because RVs are larger than cars and have the potential to do more damage in an accident. With higher limits, you are offered better financial protection after an accident.
  7. Suspend coverage: When you store your RV, you have the option to suspend different portions of your policy (things which apply only when the RV is in motion). This is very cost effective; it keeps you from paying for unnecessary coverage.

If you are ready to insure your new RV or are looking to change coverage, contact the independent agents at Western Insurance Marketing Corporation in Diamond Bar, CA. We can provide you with a new quote or answer any questions you may have about protecting your RV.

Motorcycle Maintenance Tips for New Drivers

The area surrounding Diamond Bar, CA is home to some of the most scenic roads in the country. Motorcycles are a great way to explore the natural beauty of California. Western Insurance Marketing Corporation wants all drivers to be safe and enjoy their ride. Those who are new to 2-wheeled motorized vehicles can use these tips to keep your machine running strong and reduce the chance of accidents.

  • Choose a bike that fits your level of expertise. The urge to go fast or ride a big bike is a large part of the appeal of motorcycles. However, newbies should be aware that higher-end or performance bikes sometimes require specialized training or experience. Start with something light and comfortable. Be sure you can easily get in and out of the seat as well. You can upgrade your equipment as your skill level rises.
  • California state law requires all motorcycle drivers under the age of 21 to complete a motorcycle rider training course. This course covers the basics of safe riding, like defensive tactics and adjusting for adverse weather and road conditions. The information presented in these courses could save your life. Take them seriously. Older drivers can opt to skip the course. However, even more experienced drivers can benefit from this information.
  • Inspect your bike visually before each ride. Check the lights, mirrors, and brakes for damage. Look closely at the tires for signs of wear or objects embedded between the tread. Invest in a tire pressure gauge to ensure full inflation before each trip. Low tire pressure increases the chance of accidental sliding or skidding. Get your machine checked out by a professional at least once a year.

A comprehensive motorcycle insurance policy protects you and your machine from unfortunate circumstances on and off the road. Western Insurance Marketing Corporation serves the needs of motorcycle enthusiasts in the Diamond Bar, CA area. Contact us now to learn more about California state motorcycle insurance.

Boat Insurance: Basics for New Boat Owners

Buying a new recreational boat is an exciting time, and new owners are eager to spend that time on the water with friends and family. Whether the boat is for lazy weekends at the lake, fishing trips, or even water skiing, it will require insurance just like any other vehicle. Much like choosing insurance for your car, truck, van, or SUV, there are many considerations in the type of policy you want for your boat. Western Insurance Marketing in Diamond Bar, CA has experienced agents who would love to walk you through the process of choosing the right coverage to insure your boat and provide you with peace of mind.

Basic Types of Boat Insurance Coverage

Physical Damage

This type of boat insurance protects your vessel against common damage caused by sinking, storms, theft, collision, and fire. Policies will vary, but most will cover the boat’s motor, extra fuel tanks, batteries, and anchors against these risk factors. Your onboard safety equipment like floatation devices and fire extinguishers are also usually covered under basic physical damage. Your trailer may not be covered, so be sure to discuss this with your agent.

Replacement Cost or Actual Cash Value

An important point to cover with your Western Insurance Marketing Corporation agent is whether the boat’s replacement cost is insured or whether you will receive the cash value for the boat. A replacement policy will cover the cost of repairing the watercraft back to its original condition or replace the vessel with the same or similar model. A cash value policy will pay you the actual cash value of the current market repair or replacement but takes into account how much the value of the boat has depreciated since you bought it.  

Liability Coverage

New boat owners do not want to consider that they may cause bodily injury or property damage with their boat, but when considering insurance coverage, it must be discussed. Liability insurance helps protect you if your boat causes injury or damage through direct contact or even something like damage caused by creating large wakes. This type of insurance will help cover legal fees and the payment of settlement of any lawsuits that may ensue.

Reach out to our offices in Diamond Bar, CA to speak with an agent about getting a policy for your boat or watercraft.

What Type of Speciality Coverage is Included with Umbrella Insurance?

Having adequate liability insurance in place is very important. While most people in the Diamond Bar, CA area already have liability coverage associated with their car and home, the amount of coverage may not be enough to properly cover you for your risks. In these cases, getting an additional umbrella insurance policy in place would be very beneficial as it could provide you with coverage in a range of different situations.

Significant Event Occurs

If you are involved in an accident or incident that causes significant damage or bodily harm and you are sued, you could end up being found liable for an amount that far exceeds the liability limits in your policies. However, if you have an umbrella insurance policy in place, you will receive additional coverage up to the limit of your policy. Furthermore, the insurance company will be able to provide you with valuable assistance when it comes to negotiating a settlement with the other party.

Unusual Issues Not Typically Covered by Liability Policies

An umbrella insurance policy will also be able to provide you with coverage for situations that are not typically covered by your other policies. If you are sued for slander or a number of other types of negligence, the amount that you are being sued for may not be covered under your home policy. With an umbrella insurance policy, you will receive coverage for these situations.   

If you are in need of additional liability insurance protection, contacting the Western Insurance Marketing Corporation could be a good option. The Western Insurance Marketing Corporation is a leading consumer insurance agency that serves customers in the Diamond Bar, CA area. The company will be able to help determine your personal risks and make sure you get into an umbrella policy that provides you with the right level of coverage.

Fires And Floods In California

California is a beautiful place to live, but it faces a lot of environmental concerns in the shape of floods, fires, and droughts. Unfortunately, there’s not much one can do to prevent their home from being damaged. You can put out a small grease fire before it gets out of control, but there’s not much a single citizen can do against a raging forest fire. Likewise, a flood isn’t something that you can prevent.

How can fires or floods affect me?

What people in the San Jose and Diamond Bar, CA area can do is prepare. This means having an escape plan, knowing what you’re going to do if your area is hit with a forest fire, and it means making sure to call Western Insurance Marketing Corporation and make sure that you have sufficient coverage.

Many homeowners make the mistake of hedging their bets on policy. Why buy flood insurance if you live on top of a mountain range, right? But flooding can hurt your home in any number of ways. Sewage backup, or just washing away the support columns on your home as a mudslide goes down the side of the hill. Likewise, a forest fire doesn’t have to burn your home to cause severe damage. Smoke damage can be a very serious concern, costing thousands of dollars to scrub away and restore.

Staying safe doesn’t have to mean predicting the future, but it does mean being prepared for it. With sufficient home and flood insurance from Western Insurance Marketing Corporation in Diamond Bar, CA, you’ll be covered against most of what California has to throw at you, from fires to floods to burglary and anything else. If you don’t want to pay for something out of pocket, get it covered.