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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.

Tips for Choosing Your Auto Insurance Plan

How much you pay for auto insurance depends on several factors that are somewhat out of your hands, including your age, where you live, what you drive, and your driving history. However, you do have some control over the types of policy features you choose. If you’re shopping for a new auto insurance policy in Mountain View, CA, keep these tips in mind to find the right plan that meets your insurance needs and your budget.

Compare Different Policy Rates

Shopping for auto insurance is like any other major purchase you make: It helps to shop around. You shouldn’t necessarily be looking for the cheapest insurance policy you can find, but comparing rates will give you a better sense of what good auto insurance actually costs.

Decide How Much Coverage You Need

While there are state-mandated coverage minimums, having too much insurance can be expensive and unnecessary. California law requires that drivers have a minimum liability protection of $30,000 and $5,000 in property damage liability protection. As far as purchasing insurance above the mandated minimum coverage, it’s best to speak with an insurance agent about your individual coverage needs.

Factor in Additional Policy Features

When shopping for an auto insurance policy, and especially when comparing different policy rates, be sure to research and factor in additional policy features such as medical coverage, uninsured motorist protection, and personal injury protection. These additional features are not required by law, but could end up saving you thousands in the event you need them.

If you need help finding a comprehensive and affordable auto insurance policy, contact Damberger’s Insurance Agency. Our independent agents can help you compare different policies and figure out exactly how much coverage you need. For additional information, or to get started on your new insurance policy, call us at (650) 419-8636.

Be Prepared with Disaster Insurance

Life is full of unexpected surprises. Unfortunately, some of life’s surprises can be absolutely devastating. That’s why it’s important to prepare for the unexpected, and one of the best ways to prepare is with disaster insurance. Standard homeowner’s insurance policies do not provide coverage for physical injuries or personal damages caused by certain natural disasters, including earthquakes and flooding. Although disaster insurance policies aren’t cheap, not having protection against earthquake and flood damage could cost you a lot more in the long run.

Damberger’s Insurance Agency has provided comprehensive disaster insurance in Mountain View, CA for over 50 years. Our goal is to provide you with the right coverage to protect your family and your assets. To request your free, no-obligation quote on disaster insurance, please call us at (650) 419-8636. You can also visit our website to learn more about our other insurance products, including homeowner’s insurance and auto insurance.

Understanding Homeowner's Insurance

If you own a home, you can’t afford not to have homeowner’s insurance. In addition to covering any damage caused to your home and other dwellings on your property, such as a standalone shed or detached garage, homeowner’s insurance also covers personal liability if someone is injured on your property and decides to sue for medical expenses and/or pain and suffering. This video will tell you more about what’s included in most homeowner’s insurance policies.

The team at Damberger’s Insurance Agency can find you the most comprehensive homeowner’s insurance policy at the most competitive rate. We have over 50 years of experience providing the highest quality insurance products in Mountain View, CA. To request your free, no-obligation quote on a new homeowner’s insurance policy, talk to one of our independent insurance agents by calling (650) 419-8636.

A Look at the Different Types of Auto Insurance

Even if you map your route precisely and give your vehicle a thorough safety check before hitting the road, there’s a lot that can go wrong when you get behind the wheel. That’s why it’s important to have a comprehensive auto insurance policy to protect you against all of risks you’ll encounter on the road. A comprehensive auto insurance policy is made up of different types of insurance, so speak with an auto insurance agent in Mountain View, CA to select the coverage that’s right for you. To help you get started, here’s a look at some the different types of auto insurance.

Vehicle Coverages

The first part of an auto insurance policy concerns the vehicle itself. There are various different types of auto insurance that cover damage to your vehicle, the most common of which is comprehensive collision insurance. Additional forms of coverage can be added to your auto insurance policy to provide you with extra financial protection. Extra types of vehicle coverage include gap insurance, rental reimbursement coverage, and emergency road service coverage.

Medical Coverages

It’s important to protect your car, but it’s even more important to protect yourself and your passengers. Personal injury protection (PIP) insurance will help pay for your own medical costs after a car accident regardless of who was at fault. Bodily injury liability coverage and umbrella insurance can help pay for other’s medical bills, funeral costs, and miscellaneous expenses resulting from the accident.

If you’re looking for comprehensive and affordable auto insurance in Mountain View, contact Damberger’s Insurance Agency. Our independent insurance agents will find the best auto coverage to meet your needs. Contact us online or call us at (650) 419-8636 to request additional information about auto insurance or any of our other great insurance products, including homeowner’s insurance, renter’s insurance, and disaster insurance.

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