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    What Is Typically Covered in a Homeowner's Insurance Liability Policy?

    Last updated 4 days ago

    For those who are not familiar with different types of insurance policies, it can be hard to make an informed decision for yourself or your family. It helps to do some research before choosing a policy so that you know if it meets all of your needs. Here is a look at what is typically covered in a homeowner’s insurance liability policy.

    Personal Liability

    If you are at fault for damage that occurs to someone else’s property or person, your homeowner’s insurance liability policy may offer protection. This protection may also extend to family members who live in your home and the damage that they might cause to another person or someone else’s property. Your homeowner’s insurance liability policy may protect you when injury or damage occurs on or off of your property. Your policy can even pay for your legal costs when you defend against a covered claim.

    Medical Payments

    A homeowner’s insurance liability policy can protect you from the financial repercussions when a person is accidentally injured while on your property. The insurance will pay for medical expenses whether the accident was your fault, the injured person’s fault, or a third party’s fault. In the event that someone does become injured while on your property, a homeowner’s insurance liability policy can help you avoid paying extensive medical fees after serious injuries. Additionally, your insurance policy may offer a minimum of coverage per accident, rather than a lump sum.

    Limitations and Minimums

    Each accident that occurs on your property or due to the actions of someone who lives in your household typically offers $100,000 or more in coverage. Your homeowner’s insurance liability policy may provide additional coverage; if it doesn’t, you can increase your coverage limit. This coverage does not protect you when damage or injury is intentional or related to business.

    If you would like to know more about what is typically covered in a homeowner’s insurance liability policy, call Damberger’s Insurance Agency at (866) 982-9181. We are a Mountain View based insurance agency that specializes in motorcycle, automobile, and homeowner’s insurance. For more information about our insurance policies and competitive rates, please visit our website or stop by and see us today. 

    What Are the Most Common Causes of Car Accidents?

    Last updated 15 days ago

    Automobiles provide a quick and convenient way to travel around and accomplish your daily goals. However, there are many factors that can lead to automobile collisions, which can be expensive and even fatal. Keep reading to learn about the most common causes of car accidents and how you can protect yourself and your family with the right auto insurance policy.

    Conditions

    One common reason a person might find themselves in an automobile collision is poor driving conditions. This is often due to inclement weather like heavy rain, ice, or snow. Heavy rain can impair a driver’s ability to see other people or obstacles on the road. A road covered with ice becomes slick, which makes it more difficult to maneuver your vehicle. Snow can freeze over into ice as well as impede a driver’s vision. All of these factors greatly increase the risk of being involved in an automobile collision.

    Attention

    A great deal of car accidents are caused by drivers who are distracted or not fully paying attention to their surroundings. Texting while driving has become a significant issue in modern times, and it often leads to hazardous driving and fatal collisions. Other common distractions include eating, talking on the phone, and applying makeup. It is crucial to keep your eyes on the road and be aware of your surroundings so that you can anticipate other drivers’ actions and avoid dangerous automobile collisions.

    Impairment

    There are a few reasons someone might be driving in an impaired state of mind. People may be overworked, fatigued as a side effect from certain medications, or intoxicated from alcohol or drugs. All of these factors pose a serious threat to your safety as well as other drivers’ and pedestrians’ safety. Impairment can even come from emotional sources such as stress, anger, or depression.

    Auto accidents are sometimes unavoidable, which is why you should have a comprehensive auto insurance policy to protect yourself and your family. We provide the Mountain View area with various types of insurance including automobile, motorcycle, and homeowner’s insurance. If you would like to know more about our competitive auto insurance policies, feel free to give us a call at (866) 982-9181 or visit our website

    What Kind of Insurance Do You Need for a Recreational Vehicle?

    Last updated 27 days ago

    Recreational vehicles enable outdoor enthusiasts to enjoy the great outdoors in a most exciting way. The risks that these vehicles carry and the extent of damage that is typical of accidents involving recreational vehicles means that most of these vehicles are not covered under any auto insurance policy.

    If you have a boat, RV, travel trailer, or off-road vehicle and you wish to protect yourself against damage and expenses incurred should you have an accident, then you need special recreational vehicle insurance. The extent of coverage you opt for is up to you, but basic liability insurance is essential and most experts would recommend a fairly comprehensive plan.

    At Damberger’s Insurance Agency, we know you have many choices when it comes to selecting a Mountain View area insurance agent. To attract your business and keep it, we offer personalized service and plans that are tailored exclusively to your needs and preferences. To learn more about our recreational vehicle coverage and other insurance plans, call (650) 318-6291 or visit our website. 

    Decoding Your Homeowner's Insurance Policy

    Last updated 1 month ago

    Can you imagine owning a home without having a homeowner’s insurance policy? A natural disaster or large-scale burglary could leave you with, quite literally, nothing. To learn more about the importance of homeowner’s insurance and the intricacies of various policy plans, check out this video clip from the Insurance Information Institute. 

    The type of insurance policy a homeowner selects is contingent on various factors: geography and risk of natural disaster, the value of her home and belongings, and personal preference. A helpful insurance agent who is invested in your interests can address your questions and concerns and help you choose the best policy for you. To work with a Mountain View, CA insurance agent with a wealth of experience and a reputation for protecting clients’ interests, call Damberger’s Insurance Agency at (650) 318-6291. Call us or contact us online to learn more about our homeowners’ insurance and disaster insurance policies.

    How to Get Auto Insurance for Your Teen

    Last updated 1 month ago

    Many insurance agencies view teenage drivers as more of a liability than their more experienced adult counterparts. While teenagers’ lack of experience makes insuring them a greater gamble than insuring an adult with a long, clean driving record, concerns about reckless tendencies can be overblown and teenage drivers deserve a shot at affordable, comprehensive auto insurance like anyone. Here is how you can get an affordable auto insurance policy for your teen.

    Use Those Good Grades

    If your child is a model student, he or she may qualify for a considerable discount off the normally high insurance rates that young drivers have to pay. A high grade point average and stellar record of attendance gives many insurance companies reasons to believe that a young driver is more likely to follow the rules and drive cautiously than many of his or her peers. Enrolling your teenager in a comprehensive driver’s education course can also cut down on his monthly premium, an investment that can pay for itself rather quickly.

    Consider Raising Your Deductible

    No driver wants to raise her deductible. But if you have faith in your own driving abilities, as well as in those of your teenager, raising your deductible can help your teen qualify for a lower premium and may end up saving you money. If you are shocked by the insurance premium quotes you get for your child, this is an option that is definitely worth looking into.

    Invest in a Safe, Affordable First Vehicle

    No matter how badly your teen is longing for a brand new sports car, it probably is not the best first car for him. Economical vehicles with high safety ratings tend to help drivers qualify for lower auto insurance premiums and deductibles. Saving for such a car is something your teenager will be able to do more quickly. If his or her first car is to be a gift, it will be easier on your finances. You may also have more peace of mind knowing that your child is sitting behind the wheel of a trusty used car rather than a shiny, new sports car.

    No matter what route you take when choosing insurance for your teenager, be sure to encourage safe driving in every way you can. At Damberger’s Insurance Agency in Mountain View, we will work with you to help you insure your teen driver at a fair and affordable rate. To speak with one of our auto insurance agents about your options, call (650) 318-6291.

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