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What Does Homeowner's Insurance Cover?

When you are considering purchasing a new home, it is important to check out your homeowners insurance options. In the event of an unexpected home emergency, your homeowners insurance policy will protect you and your loved ones from financial losses. A company offering homeowners insurance in Mountain View, CA, can answer your questions about homeowners insurance myths and facts. To help you choose the right plan for you, let’s take a look at what is covered by the typical homeowners insurance policy.

Mandated Upgrades

If your home is several decades old or more, chances are that your property may not have all of the features that are required by today’s state laws. In the event that you experience a major fire or other disaster, your homeowners insurance will help you pay for any mandated updates that are required for your home rebuild. For example, your insurance may cover fire sprinklers, carbon monoxide detectors, and more.

Spoiled Food

You may be surprised that some homeowners insurance policies provide coverage against spoiled food. This type of coverage will go into effect after an extended power outage. If your refrigerator has been without power for several days or more, your insurance may help you pay for the cost of replacing your refrigerated food items.

Storm Damage

A major storm can cause extensive damage to your home in property. When you have a comprehensive homeowners insurance policy, your plan may provide you with financial assistance in rebuilding your home after a storm. For example, homeowners insurance can help pay for emergency plumbing repairs after a major freeze.

If you are shopping for homeowners insurance in the Mountain View area, be sure to contact Damberger’s Insurance by calling (650) 969-8445. From homeowners insurance to earthquake insurance and more, we can help you make sure that your property is fully covered. We look forward to helping you choose the right insurance plan for your needs.

Getting the Facts About Auto Insurance

Whether you lease or own a vehicle, you are required to carry auto insurance at all times when you are driving. In fact, driving laws in the state of California mandate that every licensed driver carry insurance for his or her vehicle. Whether you are seeking a new policy, or are purchasing a brand new car, you should be sure to work with a highly rated company offering auto insurance serving Mountain View, CA. To help you choose your policy, here are some of the facts about auto insurance.

Auto Insurance Rates Can Be Determined By Your Vehicle

When you take out an auto insurance policy, you will want to find the best rate policy. Auto insurance rates are determined by a variety of factors, including your driving history and age. Additionally, your rate can be affected by the year, make, and model of your vehicle. A low profile, low risk vehicle will have a great auto insurance rate.

Your Car Color Does Not Affect Your Insurance

There is a popular myth that the color of your car can cause your auto insurance rates to be higher. For example, some people fear that a red car may be subjected to a higher rate. In fact, the color of your car has no bearing on how much you will pay for your insurance.

Your Vehicle Information Must Be Correct

In order to ensure that your auto insurance policy is appropriate for your vehicle, it is essential to make sure that all of your vehicle information is correct on your insurance card. Even a small error, such as a difference in mileage, can make a big difference in your coverage.

Whether you are in need of auto insurance, RV insurance, or motorcycle insurance, the experts at Damberger’s Insurance have you covered. We offer a fantastic range of insurance policies that are suited for all types of drivers. To learn more about the benefits of switching your plan to our company, call us at (650) 969-8445.

Protect Your Crops with Vineyard Insurance

Vineyards are a staple of Northern California. Unfortunately, all the time and money you’ve invested in your personal or commercial vineyard can be wiped away in an instant should a tragedy befall your crops. The good news is that you can protect your investment with vineyard insurance. A good vineyard insurance policy will not over cover the cost of replacing crops lost to fire, flood, or other types of calamity but also the expense of replacing lost, damaged, or stolen farm equipment and facilities.

Whether you’re a wine hobbyist or a commercial wine maker in Mountain View, CA, Damberger’s Insurance Agency can help you select a vineyard insurance policy that protects your investment. We can also help you select other insurance products to protect every aspect of your life, including homeowner’s insurance and auto insurance. To learn more, call (650) 419-8636 to speak with one of our experienced insurance agents.

What Every Driver Should Know About Auto Insurance

Car insurance isn’t just a good idea—it’s the law! Each state requires a minimum limit of liability insurance to pay for personal injuries and/or property damage resulting from an accident. If you are at-fault for the accident, your car insurance will pay the party/parties who were injured or experienced property damage as a result. Watch this video to learn about the ins and outs of car insurance from a nationally recognized insurance specialist.

For help understanding your auto insurance options, call Damberger’s Insurance Agency. We are proud to be one of the most trusted insurance providers in Mountain View, CA. Our independent agents can help you find the most comprehensive and affordable auto insurance policy that meets your unique coverage needs. Contact us online or call us at (650) 419-8636 to speak with one of our agents about auto insurance.

A First-Time Homeowner's Guide to Selecting an Insurance Policy

Buying your first home can a whirlwind of an experience. Between the headache of finalizing your mortgage to the actual process of moving in, it’s easy to let a few things fall between the cracks. However, selecting a homeowner’s insurance policy is not one of those things you should move to the backburner. If something happens to your new home, you want to make sure your insurance policy (and your insurance provider) can help you put the pieces back together. To help with this crucial step of buying your first home, here’s are a few tips for selecting the best homeowner’s insurance policy in Mountain View, CA.

Determine Your Coverage Needs

The first thing you must do when buying homeowner’s insurance is determine how much coverage you actually need. You certainly don’t want to be stuck holding an insurance policy that doesn’t protect your investment, but you also don’t want to overpay for additional coverage you don’t need. An insurance agent can go over the specifics of your new home to help you figure out how much coverage you need.

Understand Your Policy Options

Homeowner’s insurance policies can vary from person to person, as they are catered to the individual homeowner based on their own unique needs. When comparing policy rates, be sure to look at the individual features and options included in the plan. Adjusting certain policy options can raise or lower the cost of your insurance policy, so go through everything with your insurance agent and get clarification on what’s included.

Take Advantage of Discounts

Another helpful tip for first-time homebuyers is to take advantage of any discounts offered by the insurance provider. For example, you may be able to lower premium costs by installing smoke alarms and other safety features that reduce the risk of damage to your home. You may also be able to save money by bundling your insurance policies.

If you’re a first-time homebuyer, the insurance experts at Damberger’s Insurance Agency in Mountain View can help you understand the ins and outs of purchasing homeowner’s insurance. We can also help you save even more by bundling your homeowner’s and auto insurance policies. Call us at (650) 419-8636 to speak with one of our courteous insurance agents about your coverage needs.

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